Powering possibility for every business

Your business plays a vital role in our community, and we’re here to support it with financial solutions that fit your goals. From low-fee accounts to flexible lending, we make it easier to save time, manage costs, and keep growing.

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Business banking that’s personal

You dream it. We back it. We deliver financial solutions that go beyond the basics with low-fee accounts, modern tools, and lending built around your needs. We’re here to help you save time, control costs, and keep moving forward.

Become a Member

Complete solutions for lasting success

Our products and services give you everything you need to simplify operations and strengthen growth.

Open an Account

Business Accounts

Manage your money with accounts designed for business, including Apex Plus checking, debit cards, bill pay, and powerful digital tools.

Commercial Lending

Finance real estate, equipment, vehicles, or working capital with flexible terms, competitive rates, and local decision-making.

Operations Assistance

Access Tru Treasury’s industry-leading services for payroll, merchant services, fraud protection, and cash flow management.

Wealth Management

Plan for long-term success with expert guidance, tailored strategies, and investment solutions that help secure your financial future.

Hear from business owners
in the community

  • We took out a business loan through Ubay. Even with a debt-to-income ratio that is a little high due to my student loans, we have never been turned down because they know us, and we have built a great relationship with them.

    Ashley G., Member

  • Ubay helped us open CJ’s Sports Grill and it’s been full throttle ever since. They were able to make it happen, and have always been there to help us ever since.

    Jessica H., Member

  • Although we had so much to do and learn as new business owners, United Bay made our lives easier. It was like going to an all-inclusive resort, where you don't have to think about anything: they take the lead on everything, and they’ve got you. That's what they did for us.

    Diana G., Member

  • They’ve allowed me to expand my business to the point that it's just amazing. Everybody I’ve met at United Bay Community Credit Union are wonderful. Thinking about the people at United Bay Community Credit Union makes me almost start to cry, because I wouldn't have been able to do this without them.

    Richard W., Member

We make it easy to manage business

We know living your dream is demanding. That is why we pair modern digital tools with personal service, giving you the flexibility to bank anytime, anywhere, with ease.

  • Apply for loans online quickly and securely.

  • Access your accounts anytime with mobile banking.

  • Deposit checks remotely without visiting a branch.

  • Pay vendors and bills easily with online Bill Pay.

  • Get local support when you need trusted guidance.

Become a Member

We’re by your side

  • Investment in community

    For more than 75 years, we have partnered with local industries and entrepreneurs, supporting the people and places that keep Michigan thriving.

  • People first, always

    As a not-for-profit credit union, we put members ahead of profits by offering lower fees, better rates, and reinvesting in resources that drive growth.

  • Support at every step

    From managing daily operations to funding growth and planning for the future, we provide guidance to keep your enterprise moving forward.

Become a Member

 Frequently asked questions

  • We serve all kinds of organizations across Michigan, from small startups and family-owned shops to established companies and nonprofits.

  • Yes. You can manage accounts online, deposit checks remotely, pay bills, and apply for loans anytime, anywhere.

  • Our Business Services team is here to help. Call (989) 414-2798 or email Rebecca Emory to discuss your goals and the right solutions.