Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
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 September 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 and Verified: September 22, 2026
Upward Credit Union's 6 Month CD rates are at 4.25%, 6 Month Term CDs rates are at 4.25%, 24 Month CD rates are at 4.20%, 24 Month Term CDs rates are at 4.20%, 18 Month CD rates are at 3.50%. Upward Credit Union's savings rates are at 0.05%. Upward Credit Union's Personal Loan Rates are as low as 9.90%. Upward Credit Union's Credit Card 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 0.31%. Rates last updated and verified on 09/22/2026. 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 Auto Loan Rates
Upward Credit Union Credit Card Rates
Upward Credit Union Personal Loan Rates
Upward Credit Union Other Rates
Financial Health HistoryUpward Credit Union’s Texas Ratio fell from 1.99% in Q2 2023 to 0.31% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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+ (100/100)
Texas Ratio
0.31%
Return on Assets (ROA)
0.1705%
Return on Equity (ROE)
1.5389%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
93,700,701
Total Amount of Shares and Deposits
80,547,190
Total Shares and Deposits < 1 Year
80,414,104
Total Shares and Deposits 1 3 Years
133,087
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,624,189
Total Uninsured Shares and Deposits > $250K (F+J)
1,624,189
Total Insured Shares and Deposits > $250K (item 17 less item K)
78,923,001
Total Interest Expense (Sum of items 6 8)
136,155
Share Certificates
294
Number of Accounts for Share Drafts
3,045
IRA KEOGH Accounts
72
Number of Accounts for Regular Shares
5,629
Money Market Shares
236
Net Income (unless the amount is already included in Undivided Earnings)
159,777
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,525,414
Total Liabilities
83,509,076
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Upward Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Upward Credit Union
Frequently Asked Questions About Upward Credit UnionHow 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.
Compare to Other Credit Unions
GenFed Financial Credit Union
McDonald Community Federal Credit Union
PWC Employees Credit Union
Freedom United Federal Credit Union
Adventhealth Credit Union
County Schools Federal Credit Union
Kahului Federal Credit Union
McPherson Co-op Credit Union
Shelby Bolivar County Federal Credit Union
Pillar Credit Union
Landmark Credit Union WI
Penn Trafford School Emp Federal Credit Union
Benchmark Federal Credit Union
Omaha Firefighters Credit Union
Settlers Federal Credit Union
Power Financial Credit Union
United Nations Federal Credit Union
Midsouth Community Federal Credit Union
Bradford Area Federal Credit Union
SeaComm Federal Credit Union
Texas Community Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking