The United Bay Community Credit Union is a personal credit card from United Bay Community Credit Union. The annual fee is No annual fee. The ongoing APR is 8.96% APR as low as (VISA Credit Card; effective date October 17, 2026). Rewards: Ubay Purchase Perks: $1 spent = 1 point, redeemable for merchandise, travel, gift cards, event tickets, charitable donations and more. Typical credit limit: $200 minimum line of credit.