United Bay Community Auto Loan, HELOC & Personal Loan Rates & Who Can Join

Who Can Join United Bay Community

Membership eligibility from United Bay Community's own published criteria. How we verify this.

Community charter: live/work in MI

LocationMI

Cost to join: About $5.

Verified from United Bay Community's membership page. Final membership determination is always made by the credit union.

Auto Loan Rates

Rates as of July 11, 2026

auto_any_48mo

4.740% APR

Rate4.740%

Vehicle Loan - Up to 48 months

auto_any_60mo

4.990% APR

Rate4.990%

Vehicle Loan - Up to 60 months

auto_any_72mo

5.240% APR

Rate5.240%

Vehicle Loan - Up to 72 months

auto_any_84mo

5.490% APR

Rate5.490%

Vehicle Loan - Up to 84 months

auto_any_96mo

5.990% APR

Rate5.990%

Vehicle Loan - Up to 96 months

auto_any_60mo

6.240% APR

Rate6.240%

Recreational Vehicle Loan - Up to 60 months

auto_any_72mo

6.490% APR

Rate6.490%

Recreational Vehicle Loan - Up to 72 months

auto_any_108mo

6.490% APR

Rate6.490%

Vehicle Loan - Up to 108 months

auto_any_84mo

6.740% APR

Rate6.740%

Recreational Vehicle Loan - Up to 84 months

auto_any_48mo

6.740% APR

Rate6.740%

Sport & ATV Loan - Up to 48 months

auto_any_120mo

6.990% APR

Rate6.990%

Recreational Vehicle Loan - Up to 120 months

auto_any_60mo

6.990% APR

Rate6.990%

Sport & ATV Loan - Up to 60 months

auto_any_120mo

6.990% APR

Rate6.990%

Vehicle Loan - Up to 120 months

auto

7.240% APR

Rate7.240%

Recreational Vehicle Loan - Up to 180 months

auto_any_72mo

7.240% APR

Rate7.240%

Sport & ATV Loan - Up to 72 months

auto_any_84mo

7.490% APR

Rate7.490%

Sport & ATV Loan - Up to 84 months

credit_card

8.960% APR

Rate8.960%

VISA Credit Card

HELOC Rates

Rates as of July 11, 2026

heloc

6.700% APR

Rate6.700%

Home Equity 15-Year Term

heloc

6.750% APR

Rate6.750%

Home Equity 10-Year Term

heloc_variable

6.750% APR

Rate6.750%

Home Equity Line of Credit

Personal Loan Rates

Rates as of July 11, 2026

personal_unsecured_48mo

8.740% APR

Rate8.740%

Personal Loan - Up to 48 months

personal_unsecured_60mo

8.990% APR

Rate8.990%

Personal Loan - Up to 60 months

personal_unsecured_72mo

9.490% APR

Rate9.490%

Personal Loan - Up to 72 months

personal_unsecured_84mo

10.240% APR

Rate10.240%

Personal Loan - Up to 84 months

Frequently Asked Questions

What rates does United Bay Community offer?

United Bay Community currently offers auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are United Bay Community rates updated?

RateAPI verifies United Bay Community's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get United Bay Community's rate data?

Rate data is collected directly from United Bay Community's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is United Bay Community's auto loan rate?

As of July 11, 2026, United Bay Community offers auto loans from 4.74% APR.

Related Rate Data

Compare United Bay Community's rates against national credit-union benchmarks.

More Michigan credit unions Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for United Bay Community
curl "https://api.rateapi.dev/credit-unions/michigan/united-bay-community" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude