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United Bay Credit Union

United Bay Community Credit Union‘s ABA Routing Number is 272476996 and can be found on the bottom of your check.

Banks and credit unions both offer a range of financial services. Which one is right for you depends entirely on what matters to you; consumers who value nationwide convenience, mobile banking capabilities and ATM access may favor banks over credit unions.


Since 1949, Ubay Credit Union has been serving its Michigan members’ financial needs with loans, savings accounts, checking and financial literary. Ubay is also part of the CO-OP network which gives access to over 30,000 surcharge-free ATMs nationwide and more than 5,000 shared branches.

The Board of Directors are elected by and accountable to their members of the Credit Union, serving as representatives in decision making processes for major financial decisions, allocating resources and setting organizational goals as well as being liaisons between the Credit Union and their local community.

Values & Mission

United Bay Community Credit Union (Ubay) strives to create an inviting workplace culture and better serve both their members and community. Ubay also strives to support other credit union movements through financial and in-kind support of other organizations as well as participation in appropriate public service activities.

Ubay is part of the CO-OP network, offering access to 30,000 surcharge-free ATMs nationwide. Ubay also contributes to their community by working alongside local organizations to provide financial education and financial literacy.

Routing Number & Locations

Your ABA routing number is a 9-digit code that identifies your financial institution during a transaction, such as an ACH transfer, Fedwire funds transfer, direct deposit payment or bill payment. Also referred to as an RTN (or Routing Transit Number) it can be found printed at the bottom left of personal checks or within your online banking portal.

United Bay Community Credit Union is part of the CO-OP network and can connect you to over 30,000 surcharge-free ATMs and over 5,000 shared branches nationwide – you’ll find an exhaustive list here on our ATM & Shared Branch Locator page.


Credit unions provide an array of banking services designed to ease your financial journey. Their fees and requirements tend to be less strict than banks’, such as reduced minimum balance or monthly maintenance charges; additionally, better rates on savings accounts and loans often add up over time. United Bay Community Credit Union belongs to the CO-OP Network with access to over 30,000 surcharge-free ATMs nationwide as well as over 5,000 shared branches; membership is open to anyone living, working, worshipping or attending school in Michigan.


If you’re shopping around for a checking or savings account, loan, or credit card, local and national banks offer numerous choices – but another alternative could be credit unions which offer similar products but vary from banks in several ways.

UBCCU is a state-chartered community credit union open to members living, working, worshipping or attending school within Bay City, Arenac and Kalamazoo counties and two southwest Michigan counties as a whole. They currently offer a 37-month CD Special of 3.40% annual percentage yield with $10k new money deposits or 2.70% on current deposits – these special rates apply when opening new money deposits of $10k or greater!

Loans & Credit Cards

Credit union offers several loan solutions tailored to your needs, including auto and home equity loans. They also provide a Visa Signature credit card that earns cash back rewards on everyday purchases.

United Bay Community Credit Union is a Michigan state chartered community credit union located in Bay City and serving residents from Arenac, Bay, Midland, Saginaw and Van Buren Counties.

Zippia provides an in-depth overview of United Bay Community Credit Union, such as salaries and political affiliations, to enable you to make an informed decision as to whether this company is right for you.

Retirement Planning & Investments

UBCCU provides retirement planning and investment services, money market accounts and other deposit products, along with expert financial advisory assistance that helps members align their finances with their lifestyle and goals.

Credit unions differ from banks in that they are not federally insured but rather covered by the National Credit Union Administration (NCUA), providing better rates, fewer fees and higher APYs than most banks – as well as providing attentive customer service.

United Bay Community Credit Union of Bay City, Michigan serves four mid-Michigan and two southwest Michigan counties through a not-for-profit financial cooperative membership of CO-OP Network.






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