--- title: "United Bay Community Credit Union Rates - Michigan" description: "Current vehicle loan, heloc, personal loan, and credit card rates from United Bay Community Credit Union in Michigan. Updated daily with source verification. See who can join United Bay Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/united-bay-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Bay Community Credit Union Rates - Michigan ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 5.190% | 60 mo | Standard | | **Up to 72-Month Auto Loan** auto_any_72mo | — APR | 5.440% | 72 mo | Standard | | **Up to 84-Month Auto Loan** auto_any_84mo | — APR | 5.690% | 84 mo | Standard | | **Up to 96-Month Auto Loan** auto_any_96mo | — APR | 6.190% | 96 mo | Standard | | **Up to 108-Month Auto Loan** auto_any_108mo | — APR | 6.690% | 108 mo | Standard | | **Up to 60-Month RV Loan** rv_any_60mo | — APR | 6.990% | 60 mo | Standard | | **Up to 120-Month Auto Loan** auto_any_120mo | — APR | 7.190% | 120 mo | Standard | | **Up to 72-Month RV Loan** rv_any_72mo | — APR | 7.240% | 72 mo | Standard | | **Up to 84-Month RV Loan** rv_any_84mo | — APR | 7.490% | 84 mo | Standard | | **Sport & ATV Loan Rates* (Up to 48 months)** powersports_any_48mo | — APR | 7.490% | 48 mo | Standard | | **Up to 120-Month RV Loan** rv_any_120mo | — APR | 7.740% | 120 mo | Standard | | **Sport & ATV Loan Rates* (Up to 60 months)** powersports_any_60mo | — APR | 7.740% | 60 mo | Standard | | **Up to 180-Month RV Loan** rv_any_180mo | — APR | 7.990% | 180 mo | Standard | | **Sport & ATV Loan Rates* (Up to 72 months)** powersports_any_72mo | — APR | 7.990% | 72 mo | Standard | | **Sport & ATV Loan Rates* (Up to 84 months)** powersports_any_84mo | — APR | 8.240% | 84 mo | Standard | United Bay Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 7.500% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 7.750% | — | Standard | United Bay Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.240% | 60 mo | Standard | | **Up to 72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 10.740% | 72 mo | Standard | | **Up to 84-Month Unsecured Personal Loan** personal_unsecured_84mo | — APR | 11.490% | 84 mo | Standard | United Bay Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 8.960% | — | Standard | United Bay Community Credit Union credit card rates as of November 12, 2026 United Bay Community Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/united-bay-community) , verified from [United Bay Community Credit Union's official website](https://www.ubccu.org/) Loading branch locator… ## About United Bay Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 18.9K Assets $304.4M Founded 1949 Locations reported 6 NCUA charter 61186 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Frankenmuth** Essexville Branch · Essexville · MI · 48732 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/frankenmuth) [**Jolt** Essexville Branch · Essexville · MI · 48732 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Financialedge** Center Office · Bay City · MI · 48708 About 2.7 miles away](https://rateapi.dev/credit-unions/michigan/financialedge) [**Sunrise Family** Essexville Branch · Essexville · MI · 48732-1715 About 2.7 miles away](https://rateapi.dev/credit-unions/michigan/sunrise-family) [**Great Lakes** Great Lake FCU · Bay City · MI · 48708-5712 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/great-lakes) [**Team One** BAY CITY · BAY CITY · MI · 48706 About 4.1 miles away](https://rateapi.dev/credit-unions/michigan/team-one) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join United Bay Community Credit Union Membership eligibility from United Bay Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in MI - Location MI **Cost to join:** About $5. Verified from [United Bay Community Credit Union's membership page](https://www.ubccu.org/services/become-a-member) . Final membership determination is always made by the credit union. ## Work at United Bay Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where United Bay Community Credit Union ranks against Michigan peers. - See which AI assistants fetched United Bay Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=united-bay-community&state=michigan&code=MI&name=United%20Bay%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Bay Community Credit Union offer? United Bay Community Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are United Bay Community Credit Union rates updated? RateAPI verifies United Bay Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get United Bay Community Credit Union's rate data? Rate data is collected directly from United Bay Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join United Bay Community Credit Union? Community charter: live/work in MI ## Related Rate Data Compare United Bay Community Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ubccu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track United Bay Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for United Bay Community Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /united-bay-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Bay Community Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/united-bay-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp