Michigan · NCUA branch file, Q2 2026
Credit unions in Bay City, MI
12 credit unions have 18 offices in Bay City, Michigan, according to the branch information they filed with NCUA for the quarter ended June 30, 2026. Credit Union 1 has the most here (2); the largest by assets is Credit Union 1 at $2.87 billion.
| Credit union | Offices here | Assets | Net worth ratio | New auto rate | Based in |
|---|---|---|---|---|---|
| Credit Union 1 | 2 | $2.9B | 10.91% | 5.24% | Lombard, IL |
| Elga Credit Union | 2 | $2.5B | 17.80% | 5.75% | Grand Blanc, MI |
| Financial Plus Credit Union | 2 | $1.7B | 11.71% | 5.74% | Flint, MI |
| Wildfire Credit Union | 2 | $1.2B | 10.95% | 5.09% | Saginaw, MI |
| United Bay Community Credit Union | 2 | $302M | 7.54% | 4.99% | Bay City, MI |
| Financialedge Credit Union | 2 | $147M | 12.29% | 6.85% | Bay City, MI |
| Frankenmuth Credit Union | 1 | $1.6B | 10.31% | 6.15% | Frankenmuth, MI |
| Team One Credit Union | 1 | $766M | 9.88% | 5.50% | Saginaw, MI |
| Jolt Credit Union | 1 | $484M | 10.28% | 6.50% | Saginaw, MI |
| United Financial Credit Union | 1 | $360M | 10.73% | 6.10% | Saginaw, MI |
| Sunrise Family Credit Union | 1 | $133M | 9.21% | 5.25% | Bay City, MI |
| Lake Huron Credit Union | 1 | $81.5M | 14.80% | 5.93% | Saginaw, MI |
Rates are what each credit union reported to NCUA for new auto loans, not offers. All Michigan credit union loan rates.
Addresses, phone numbers and hours
Credit Union 1
- Bay City 415 Washington Ave, Bay City, MI 48708 Drive-through · ATM
- Euclid 1002 W Indiana St, Bay City, MI 48706 Drive-through · ATM
Elga Credit Union
- Straits 1479 Straits Dr, Bay City, MI 48706 Drive-through · ATM
- Wilder 4265 Wilder Rd, Bay City, MI 48706 Drive-through · ATM
Financial Plus Credit Union
- Bay City - Euclid Branch 4129 N Euclid Ave, Bay City, MI 48706 Drive-through · ATM
- Bay City - Center Ave Branch 708 Center Ave, Bay City, MI 48708 Drive-through · ATM
Wildfire Credit Union
- Bay City Branch 2936 Wilder Rd, Bay City, MI 48706 Drive-through · ATM
- John Glenn High School Branch (Restricted Access) 3201 Kiesel Rd, Bay City, MI 48706
United Bay Community Credit Union
- Lincoln Office 1309 N Lincoln St, Bay City, MI 48708 Main office · Drive-through · ATM
- Euclid Office 3939 N Euclid Ave, Bay City, MI 48706 Drive-through · ATM
Financialedge Credit Union
- Euclid Office 1199 S Euclid Ave, Bay City, MI 48706 Main office · Drive-through · ATM
- Center Office 2601 Center Ave, Bay City, MI 48708 Drive-through · ATM
Frankenmuth Credit Union
- Bay City Branch 800 N Euclid Ave, Bay City, MI 48706 Drive-through · ATM
Team One Credit Union
- BAY CITY 401 E Midland St, Bay City, MI 48706 Drive-through · ATM
Jolt Credit Union
- Euclid Ave Branch 915 S Euclid Ave, Bay City, MI 48706 Drive-through · ATM
United Financial Credit Union
- United Financial Credit Union Frankenlust Office 6354 Westside Saginaw Rd, Bay City, MI 48706 Drive-through · ATM
Sunrise Family Credit Union
- Sunrise Family Credit Union 404 S Euclid Ave, Bay City, MI 48706 Main office
Lake Huron Credit Union
- Bay City Branch 314 E Midland St, Bay City, MI 48706 ATM
Addresses, phones and hours are as each credit union filed them with NCUA; confirm before you visit. Not affiliated with NCUA or any credit union.
Other cities in Michigan
- Grand Rapids 34
- Saginaw 16
- Detroit 17
- Kalamazoo 10
- Lansing 13
- Flint 18
- Muskegon 14
- Ann Arbor 8
- Jackson 8
- Battle Creek 10
- Troy 17
- Livonia 13
- Traverse City 8
- Sterling Heights 12
- Warren 15
- Portage 10
Every Michigan city · All Michigan credit unions
Questions people ask
How many credit unions are in Bay City, MI?
NCUA's branch file for Q2 2026 lists 18 credit union offices in Bay City, run by 12 credit unions, 3 of them headquartered in the city.
Which credit union has the most branches in Bay City?
Credit Union 1, with 2 offices in Bay City. The largest credit union with an office here is Credit Union 1, with $2.87 billion in assets.
Can I join a credit union in Bay City?
Each credit union serves a defined field of membership, often people who live or work in an area, employees of certain companies, or members of an association. Check the credit union's own eligibility rules. Some credit unions are open to anyone in the US through an association or a small donation.