Belong where banking is better

Membership is more than banking; it’s being part of a community that cares about your future. From first savings accounts to everyday financial tools, we’re here to help every generation thrive.

Open an Account

Get more from every dollar you save and spend

Access better rates, flexible accounts, and personal support that keep your finances strong and simple.

Become a Member

Accounts for every age and stage

Whether you’re just starting out or well established, membership makes it easy to manage money, build savings, and stay financially confident.

Open an Account

Everyday Savings & Checking Accounts

Choose from savings and checking options that keep your money accessible and working hard, with tools to manage spending and reach goals.

Term Certificates & Growth Accounts

Lock in savings with term certificates or explore higher-dividend accounts to enjoy steady, long-term growth and predictable earnings.

Ugrow Youth Saving &
Uearn Youth Checking

For members under 18, begin building smart financial habits with simple, secure accounts tailored for early savers and young earners.

Club Accounts: Christmas & Lucky 13

Set aside money throughout the year for special events or big purchases, making it easy to have cash ready when the time comes.

Smart Starts for Young Members

  • Ugrow Youth Savings

    An easy way for kids and teens to set money aside, earn dividends, and see their balance grow over time.

  • Uearn Youth Checking

    A secure first checking account with debit card access to manage spending and build everyday money habits.

Open an Account

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 everyday banking from anywhere

Enjoy easy, secure access to your accounts whenever and wherever you need it. Our digital tools and local support give you the best of both worlds.

  • Bank anytime with simple, secure tools.

  • Deposit checks on the go with ease.

  • Pay instantly using card or digital wallet.

  • Track balances and transfers in seconds.

  • Get friendly help whenever you need it.

Become a Member

Our unwavering commitment to 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.

  • 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.