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 that serves the following counties: Bay, Midland, Arenac, Saginaw, Kalamazoo and VanBuren County. This means that if you live, work, worship or attend school in any of these counties, you are eligible to become a member of our credit union. 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.