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UP State Credit Union

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UP State Credit Union Rates & Review March 2026

Q: How many branches does UP State Credit Union operate?

UP State Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join UP State Credit Union?

Yes, to access services at UP State Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, UP State Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UP State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

UP State Credit Union's Personal Loan Rates are at 8.50%. MonitorBankRates evaluates the financial stability of UP State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.19%. Rates were last updated on 03/29/2026.

UP State Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UP State Credit Union? Share your experience about UP State Credit Union by leaving a review below, or read customer reviews before you decide to use UP State Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.19%

Excellent Lower than avg

UP State Credit Union
Escanaba Office

123 S Lincoln Rd
Escanaba, MI 49829 1339

https://www.upscu.com

UP State Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	8.50%
Details As Low As Last Updated 03/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UP State Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather UP State Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UP State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UP State Credit Union

Website https://www.upscu.com

Address 123 S Lincoln Rd, Escanaba, MI 49829 1339

Phone 906-786-1146

Fax 906-786-0269

President Howard Haulotte

CEO Raymond Theoret

Full-Time Employees 56

Part-Time Employees 4

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.19%

Return on Assets (ROA)

0.8419%

Return on Equity (ROE)

6.8430%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

202,362,788

Total Amount of Shares and Deposits

176,182,341

Total Shares and Deposits < 1 Year

173,052,414

Total Shares and Deposits 1 3 Years

2,918,740

Total Shares and Deposits > 3 Years

211,187

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

982,336

Total Uninsured Shares and Deposits > $250K (F+J)

982,336

Total Insured Shares and Deposits > $250K (item 17 less item K)

175,200,005

Total Interest Expense (Sum of items 6 8)

708,241

Share Certificates

708

Number of Accounts for Share Drafts

9,579

IRA KEOGH Accounts

209

Number of Accounts for Regular Shares

17,117

All other shares

1,507

Money Market Shares

253

Net Income (unless the amount is already included in Undivided Earnings)

1,703,653

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,358,838

Total Liabilities

177,473,208

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About UP State Credit Union

Is UP State Credit Union a safe place to deposit money?

Yes, UP State Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1880629996014%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does UP State Credit Union operate?

UP State Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join UP State Credit Union?

Yes, to access services at UP State Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, UP State Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UP State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UP State Credit Union offer online and mobile banking?

Most modern institutions like UP State Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.upscu.com.