United Bay Community Credit Union

What their website says about applying

• To qualify for a FAST Loan, you'll need to sign up for Direct Deposit. source
• Check out our mortgage application checklist to get started. source
• Stop by any branch or apply online through Ubay@Home to figure out your budget and get pre-approved. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Membership required Available to members 18 and over who Direct Deposit funds into Ubay accounts source
• First-time homebuyer program First-time homebuyer mortgages source
• Collateral flexible or not always required Rates for signature and uncollateralized loans. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Commercial real estate and equipment are only named in a business menu list, and no amounts are stated for most products. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your auto loans and small-dollar emergency loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
   Their website does not state a rate for this.
5. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
6. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
7. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as UNITED BAY COMMUNITY (charter 61186). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by United Bay Community Credit Union (NCUA charter 61186, filed as “UNITED BAY COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

United Bay Community Credit Union reported 192 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $19.6M (median loan about $75,000). 61 were home-purchase loans.

Included above: 10 loans on manufactured homes.

Where the loans were made

Counties with the most 2025 originations, out of 19 counties with at least one; 100% of its 2025 loans were for properties in Michigan:

• Bay County, MI (122)
• Saginaw County, MI (11)
• Kalamazoo County, MI (10)
• Van Buren County, MI (9)
• Arenac County, MI (8)
• Midland County, MI (8)
• Gladwin County, MI (6)
• Ogemaw County, MI (3)

Filed under LEI 25490029YJHFABABT680 as “UNITED BAY COMMUNITY CU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Same loan type, nearby, lower stated rate

Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).

• Personal / consumer loans (this lender states from 15.00%): Lake Huron Credit Union from 9.99% (11 mi, read 2 Nov 2026); Members First Credit Union from 10.49% (20 mi, read 2 Nov 2026)

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data. Stated rates: each lender's own website, read on the date shown.

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