The United Bay Community Credit Union All Credit Levels is a cdfi lender from United Bay Community Credit Union. This product reports activity to your personal credit report. United Bay Community Credit Union is a financial institution located in Bay City, MI, that offers a range of lending solutions and financial services to its members. The credit union serves individuals and businesses in Michigan, providing access to personal loans, mortgages, and business accounts. Services include: personal loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Bay City, MI. Membership required.