Welcome to United Bay Community Credit Union! We proudly serve more than 23,000 members with assets of more than $187,000,000. United Bay Community Credit Union is a state chartered community credit union. As a state-chartered community credit union, membership is available to anyone who lives, works, worships or attends school in Michigan. Be assured that United Bay Community Credit Union can meet all your financial needs. As a member, and owner of your credit union, you will receive the excellent one-on-one service and savings you deserve.