It’s your turn for something new with a Personal Loan from United Bay Community Credit Union

Whether it’s a dream vacation, an upgrade you’ve been putting off, or consolidating debt, a personal loan can help you start the new year on your terms.

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Rates based on credit score and loan term. Membership is required. Applying for a loan is not a guarantee of approval.

Smarter way to move forward

With a personal loan from United Bay Community Credit Union, moving forward feels easier. A competitive rate helps your money go further, and our team is here to help you stay on the right track.

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Confidence starts with the right rates

We pair a strong rate with flexible terms and real guidance, working with you to simplify borrowing, stretch your dollars further, and stay on the right track.

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Competitive Rates

Enjoy rates that are lower than most credit cards, helping you save more, pay down balances faster, and keep your finances on track.

Fixed-Term Loans

Choose a closed-end loan with fixed payments, making it easy to budget with predictable monthly costs.

Lines of Credit

Tap into funds again and again, giving you reliable access whenever new needs or unexpected expenses arise.

Added Protection

Optional life and disability insurance is available, offering extra peace of mind that your loan is covered no matter what happens.

A Ubay loan can make it happen

  • 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

Support that helps you go further

Your loan should be simple, fast, and stress-free. That’s why we combine modern digital solutions with personalized support to make the process easier from start to finish.

  • Apply online quickly and securely.

  • Get fast approvals you can trust.

  • Manage payments on web or app.

  • Get local help whenever needed.

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Disclosure: APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. Over 50% of loan amount must be new money. Certain restrictions apply. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.

Our 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.

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 Frequently asked questions

  • Loan amounts vary based on your needs and qualifications. Our lending team will help you find the right fit.

  • Most applications are reviewed the same day, so you can access funds without delay.

  • A line of credit works well for ongoing or occasional needs, while a fixed loan is ideal for one-time expenses. Our team can guide you to the best option.