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Eligibility

You are eligible to join United Bay Community Credit Union if you meet our Eligibility Requirements:

Live within the State of Michigan
Work within the State of Michigan
Attend School within the State of Michigan
Worship within the State of Michigan
Member or Immediate Family of the foregoing

HERE’S WHAT YOU’LL NEED TO APPLY:

A minimum deposit of $5 to establish your membership share
Credit Card or Debit Card needed for funding membership (max $250)
Driver's License or State ID
Social Security Number
Date of Birth
Your complete physical and mailing address
Information on any Joint Account Owners or Beneficiaries

We also offer Youth (age 17 and under) and Business memberships. For further details on opening a Youth or Business membership, please visit one of our branch locations.

Select your eligibility

To join UBCCU, you must meet our Membership Requirement

Eligibility

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Required Products

Select the following products required for membership

MEMBERSHIP SHARE

Our Membership Share represents your ownership in United Bay Community Credit Union. By having a Membership Share, you are authorized to use our products and services.

Min Deposit: $5.00 Max Deposit: $5.00

In addition, select one of the following products

Available Products

Savings

CHECKING

Our checking account is a convenient way for you to access your account.

There are no minimum balance requirements.
Save time and money by accessing your checking account through Internet Banking, Bill Payment and Mobile Banking.
Surcharge-free ATM access is available nationwide with the CO-OP Network.

REGULAR SAVINGS

Regular Savings Accounts can be used for numerous things like saving for a house, vacation, car or whatever you need!

SPECIAL SAVINGS

Special Savings Accounts can be used for numerous things like saving for a house, vacation, car or whatever you need! This account earns Dividends but does have transaction limitations in accordance with Regulation D.

MONEY MANAGER

Our Money Manager Account is for members who are looking for higher dividend rates but still want easy access to their money. Members can take advantage of the tiered-rate structure, which means higher balances receive better rates. This account earns Dividends but does have transaction limitations in accordance with Regulation D.

CHRISTMAS CLUB

Be prepared for the Holiday season. Plan ahead and avoid the post-holiday stress of figuring out how to pay for it. Christmas Club accounts pay out automatically on October 1st, transferring into your designated savings account right in time to keep your budget as happy as the holidays.

LUCKY 13 CLUB

Purchases made with your UBCCU Debit MasterCard® are rounded up to the next dollar and the change is transferred to your Lucky 13 Club account. In addition, you may deposit up to an additional $100 per month by contacting UBCCU at (989) 892-4597. Every 13 months, your balance transfers into your designated linked account.

Max Deposit: $100.00

APY (Annual Percentage Yield)

Please answer the following question(s)

Please enter an access code that will be used for communication purposes during this application process. Access code must be at least 4 characters long.*

Please enter a hint to remind you of your access code. This will only be used during the application process.*

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Description

Details

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Maturity Date

Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:

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We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

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Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $500.00)

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This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of United Bay Community Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

You may take a picture or upload a copy of your ID document such as a drivers license, state ID, passport, etc.

Click or tap here to capture or upload an image or document.

Additional Information

Are you employed by or own a business that is involved with any activity involving any form of cannabis for medical or recreational purposes?*

Is 50% of your income the sale or distribution of any form of cannabis, hemp, or CBD?*

Would you like a debit card with your transaction account?*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

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* Avoid glare

* Make sure image is in focus

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

Are you employed by or own a business that is involved with any activity involving any form of cannabis for medical or recreational purposes?*

Is 50% of your income the sale or distribution of any form of cannabis, hemp, or CBD?*

Would you like a debit card with your transaction account?*

Continue Or Go Back

About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of United Bay Community Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

You may take a picture or upload a copy of your ID document such as a drivers license, state ID, passport, etc.

Click or tap here to capture or upload an image or document.

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information