Effective May 1, the $170 million United Bay Community Credit Union of Bay City combined with Kalamazoo's $28 million Access First FCU.

Gary Klein, the president/CEO of the continuing institution, said he was not at liberty now to discuss negotiations with any other credit unions but the organization does look forward to generating loan growth in western Michigan. Management said it hopes to expand geographically within the state and reach $500 million in the next couple of years. A United Bay spokesperson stressed there are no immediate merger deals under way to be announced "but we are looking at several opportunities."

Rob Viland, former CEO of Access First, is now executive vice president/chief operating officer of United Bay.

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