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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Upward Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
Upward Credit Union's 6 to 11 Term CDs rates are at 3.04%, 36 Term CDs rates are at 2.53%, 24 to 35 Term CDs rates are at 2.27%, 12 to 23 Term CDs rates are at 2.02%. Upward Credit Union's savings rates are at 0.40%. Upward Credit Union's money market rates are at 1.26%. Upward Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Upward Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.57%. Rates were last updated on 03/24/2026. Upward 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 Upward Credit Union? Share your experience about Upward Credit Union by leaving a review below, or read customer reviews before you decide to use Upward Credit Union. Upward Credit Union
Main Office 1860 El Camino Real Ste 100
https://www.upwardcu.org Burlingame, CA 94010 3106 
Upward Credit Union CD Rates
Upward Credit Union Savings Rates
Upward Credit Union Money Market Rates
Upward Credit Union Home Equity & HELOC
Upward Credit Union Credit Card Rates
Upward Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Upward 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 Upward 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 Upward Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Upward Credit Union
Website
https://www.upwardcu.org
Address
1860 El Camino Real Ste 100,
Burlingame, CA 94010 3106
Phone
650-231-1300
Fax
650-231-1310
President
Annie Miller
CEO
Jason Mertz Prickett
Full-Time Employees
13
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.57%
Return on Assets (ROA)
0.5526%
Return on Equity (ROE)
5.2460%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
95,546,817
Total Amount of Shares and Deposits
81,804,061
Total Shares and Deposits < 1 Year
81,522,992
Total Shares and Deposits 1 3 Years
281,069
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,912,666
Total Uninsured Shares and Deposits > $250K (F+J)
2,912,666
Total Insured Shares and Deposits > $250K (item 17 less item K)
78,891,395
Total Interest Expense (Sum of items 6 8)
401,866
Share Certificates
282
Number of Accounts for Share Drafts
3,083
IRA KEOGH Accounts
75
Number of Accounts for Regular Shares
5,739
Money Market Shares
236
Net Income (unless the amount is already included in Undivided Earnings)
527,976
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
992,915
Total Liabilities
85,672,553
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Upward Credit UnionIs Upward Credit Union a safe place to deposit money?Yes, Upward Credit Union is considered a safe financial institution. With a Texas Ratio of 6.5727298353454%, 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 Upward Credit Union operate?Upward 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 Upward Credit Union?Yes, to access services at Upward 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, Upward 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, Upward Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Upward Credit Union offer online and mobile banking?Most modern institutions like Upward 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.upwardcu.org. Current Upward Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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