A brighter financial future together

At Ubay, you’re a valued individual, never a number. We meet you where you are and provide the tools, service, and support you need to reach your banking goals.

Open an Account

We see you.
We’ve got you.

Join a community credit union that’s here for you today and tomorrow, with personalized support and products that help you grow. Your success is our success—enjoy competitive rates, modern tools, and easy access to manage your finances when needed.

Become a Member

Experience a better way to bank and borrow

Access accounts, loans, and business resources designed to put your financial goals within reach.

Open an Account

Accounts

Choose from checking and savings, club accounts for planned expenses, and certificates that help your money grow securely over time.

Business & Commercial

Access business accounts, lending solutions, and cash management services through our partnership with Tru Treasury to fuel growth.

Loans

Finance cars, homes, and personal needs with competitive rates, flexible terms, and green lending options for a more sustainable future.

Youth Services

Start strong with programs built for every stage, from a child’s first savings account through teen checking that builds financial confidence.

Our members stay members for life

  • I refer so many people here because I have had such a great experience. I tell everyone to come to United Bay because they really do take care of you.

    Ashley G., Member

  • When we go into UBAYCCU, it’s like going to someone’s home. We know all of the clerks by name...It’s more than a credit union, it’s a home.

    Christine & Gerrit S., Members

  • I’ve been a member at the credit union this long because the minute you walk in, everybody is so super friendly.

    Isabel & Thomas C., Members

  • When you have people who back you, you want to back them, so I refer everyone here. Just like how I work on people's cars and they trust me, that's the way I feel about this credit union.

    Richard W., Member

  • We’ve referred so many of our friends and family to the credit union, and it doesn’t matter what credit union location we go to—everyone is amazing.

    Lisa L., Member

Enjoy all of the convenience of modern banking with the added care and connection of a credit union.

  • UBAYGO app for quick, easy account access anywhere.

  • Remote check deposit so you can skip the trip.

  • Online loan applications designed for simplicity.

  • Local service from people who put you first.

Find everything you need and more

Become a Member

Showing up. Standing beside you.

  • Investment in community

    We have been rooted in Michigan for more than 75 years, always championing the people and places that make it home.

  • People first, always

    As a not-for-profit credit union, we prioritize people and reinvest in better rates for you, lower fees for all, and community growth.

  • Support at every step

    From your first savings account to credit building, retirement, and beyond, we are here to guide your financial journey for life.

Become a Member

 Frequently asked questions

  • Anyone who lives, works, worships, or attends school in Michigan can join. Membership is open to individuals, families, and businesses across the state, making it easy to find your financial home close to where you live and work.

  • Opening an account is quick and secure. You’ll need a valid driver’s license or state ID, your Social Security number, your date of birth, and your current physical and mailing address. Have a credit or debit card ready for the initial $5 membership share (up to a $250 funding limit). You can start online in minutes or visit any branch for personal assistance.

  • No. There are no monthly maintenance fees for membership. Your only requirement is to keep a $5 membership share in your savings account, which represents your ownership in the credit union and keeps your membership active.