United Bay Community Credit Union
Verified rate book
Current United Bay Community Credit Union rates
24 published offers verified as of August 4, 2026.
Auto & vehicle rates
16 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 48-Month Auto Loanauto_any_48mo | 4.740% APR | 4.740% | 48 mo | Standard |
| Up to 60-Month Auto Loanauto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| Up to 72-Month Auto Loanauto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| Up to 84-Month Auto Loanauto_any_84mo | 5.490% APR | 5.490% | 84 mo | Standard |
| Up to 96-Month Auto Loanauto_any_96mo | 5.990% APR | 5.990% | 96 mo | Standard |
| Up to 60-Month RV Loanrv_any_60mo | 6.240% APR | 6.240% | 60 mo | Standard |
| Up to 108-Month Auto Loanauto_any_108mo | 6.490% APR | 6.490% | 108 mo | Standard |
| Up to 72-Month RV Loanrv_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard |
| Up to 84-Month RV Loanrv_any_84mo | 6.740% APR | 6.740% | 84 mo | Standard |
| Sport & ATV Loan Rates* (Up to 48 months)powersports_any_48mo | 6.740% APR | 6.740% | 48 mo | Standard |
| Up to 120-Month Auto Loanauto_any_120mo | 6.990% APR | 6.990% | 120 mo | Standard |
| Up to 120-Month RV Loanrv_any_120mo | 6.990% APR | 6.990% | 120 mo | Standard |
| Sport & ATV Loan Rates* (Up to 60 months)powersports_any_60mo | 6.990% APR | 6.990% | 60 mo | Standard |
| Up to 180-Month RV Loanrv_any_180mo | 7.240% APR | 7.240% | 180 mo | Standard |
| Sport & ATV Loan Rates* (Up to 72 months)powersports_any_72mo | 7.240% APR | 7.240% | 72 mo | Standard |
| Sport & ATV Loan Rates* (Up to 84 months)powersports_any_84mo | 7.490% APR | 7.490% | 84 mo | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| 10-Year Home Equity Loanheloc | 6.875% APR | 6.875% | — | Standard |
| 15-Year Home Equity Loanheloc | 7.125% APR | 7.125% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 48-Month Unsecured Personal Loanpersonal_unsecured_48mo | 8.740% APR | 8.740% | 48 mo | Standard |
| Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 8.990% APR | 8.990% | 60 mo | Standard |
| Up to 72-Month Unsecured Personal Loanpersonal_unsecured_72mo | 9.490% APR | 9.490% | 72 mo | Standard |
| Up to 84-Month Unsecured Personal Loanpersonal_unsecured_84mo | 10.240% APR | 10.240% | 84 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 8.960% APR | 8.960% | — | Standard |
Vehicle loans available from 4.74% APR for 48 months. HELOC rates from 6.75% APR. Personal loan rates from 8.74% APR. Credit card rates from 8.96% APR.
Source: RateAPI.dev, verified from United Bay Community Credit Union's official website
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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. 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.
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.
Community charter: live/work in MI
- LocationMI
Cost to join: About $5.
Verified from United Bay Community Credit Union's membership page. 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.
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 August 4, 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 August 4, 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.
What are United Bay Community Credit Union's auto, rv & powersports loan rates?
As of August 4, 2026, United Bay Community Credit Union offers vehicle loans from 4.74% APR.
What is United Bay Community Credit Union's HELOC rate?
As of August 4, 2026, United Bay Community Credit Union offers home equity lines of credit from 6.75% APR.
What is United Bay Community Credit Union's personal loan rate?
As of August 4, 2026, United Bay Community Credit Union offers personal loans from 8.74% APR.
Related Rate Data
Compare United Bay Community Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# 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"