Apply for a UBCCU Loan
Members of United Bay Community Credit Union can apply for consumer loans through their Ubay@Home - our online banking portal.
UBCCU members can also apply for mortgages online through our dedicated Mortgage Application System. Apply Online
Featured Rates
Personal Loans | As low as 3.99% APR |
Auto Loans | As low as APR |
VISA® Credit Cards | As low as 8.96% APR |
Not a Member of UBCCU? Send us a message through our secure contact form that includes your name, phone number and what kind of loan you’re looking for. One of our Loan Officers will reach out to you shortly.
If you’d rather stop in to apply, visit the branch closest to you. You can also call to set up a time or ask any questions you might have. All rates are subject to change without prior notice. Other terms and conditions may apply.
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Legend
Drive-thru
Onsite ATM
Onsite ITM
Night Deposit
ATM Accepts Check Deposits
ATM Accepts Cash Deposits
Express Branch - Self Service Only
United Bay Community Credit Union Branch
Lincoln
1309 N. Lincoln Ave.
Bay City, MI 48708
Phone: (989) 892-4597
Fax: (989) 892-5701
Lobby Hours
Monday - Friday: 9am -
5pm
Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm
*The Lincoln Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Euclid
3939 N. Euclid Ave.
Bay City, MI 48706
Phone: (989) 892-4597
Fax: (989) 686-2976
Lobby
Hours
Monday - Friday: 9am - 5pm
Drive Thru Hours
Monday - Friday: 9am - 6pm
Saturday: 9am-12pm
*The Euclid Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Pinconning
205 S. Mable Street PO Box 925
Pinconning, MI 48650
Phone: (989) 892-4597
Lobby Hours
Monday - Friday: 9am - 5pm
Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm
*The Pinconning Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Coleman
375 E. Railway Street
Coleman, MI 48618
Phone: (989) 892-4597
Lobby Hours
Monday - Friday: 9am - 5pm
Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm
*The Coleman Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Portage Branch
233 W. Centre Ave.
Portage, MI 49024
Phone: (989) 892-4597
Fax: (269) 381-1731
Lobby Hours
Monday - Friday: 9am - 5pm
Drive Thru
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm
*The Portage Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Mattawan Branch
52800
N. Main Street
Mattawan, MI 49071
Phone: (989) 892-4597
Fax: (269) 668-6446
Lobby
Monday - Friday: 9am - 5pm
Drive Thru Hours
Monday - Friday: 9am - 5pm
Saturday: 9am-12pm
*The Mattawan Branch is closed until 10:00 am on the third Wednesday of each month for staff training.
Holidays may affect the open hours of our branch locations. For a schedule of holiday hours, click here.
We also have an ATM inside the GM Powertrain Plant (100 Fitzgerald Street, Bay City, Michigan 48708) and the Saginaw Metal Castings Operation (SMCO) GM Powertrain. Please note this location is accessible only to plant employees.
United Bay Community Credit Union is also proud to be a member of the CO-OP Network. As a member of UBCCU, you’ll have access to nearly 30,000 surcharge-free ATMs and more than 5,000 shared branches across the United States and Canada. Find out more, including locations of CO-OP ATMs and service centers, on our CO-OP ATM Network page.
Go to main navigationConnecting with UBCCU on your terms, has never been easier.
If you want the face to face interaction, we have 5 locations to serve you. You can connect remotely with UBCCU for banking on your own time and at your own location through out many online services.
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