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Upward Credit Union

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Upward Credit Union Rates & Review November 2026

Q: What are the current interest rates at Upward Credit Union?

Current rates for Upward Credit Union include: 12-Month CD: 3.04%, 18-Month CD: 3.50%, 24-Month CD: 2.02%, Savings: 1.26%

Q: What CD terms does Upward Credit Union offer?

Upward Credit Union CD rates are 4.25% APY for a 6 month CD, 3.04% APY for an 11 month CD, 3.04% APY for a 12 month CD, 3.50% APY for an 18 month CD, 2.02% APY for a 2 year CD and 2.53% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Upward Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Upward Credit Union's 6 Month Summer CD Specials - Term CD rates are at 4.25%, 24 Month Summer CD Specials - Term CD rates are at 4.20%, 18 Month Summer CD Specials - Term CD rates are at 3.50%, 6 - 11 Month Term CD rates are at 3.04%, 36 Month Term CD rates are at 2.53%. Upward Credit Union's savings rates are at 1.26%. Upward Credit Union's checking rates are as high as 3.00%. Upward Credit Union's Personal Loan Rates are as low as 9.90%. Upward Credit Union's Credit Card Rates are at 9.90%. Upward Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 5.23%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.23%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Upward Credit Union
Main Office

1860 El Camino Real Ste 100
Burlingame, CA 94010-3106

https://www.upwardcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Upward Credit Union CD Rates

Product	Rate	APY	Term
6 Month Summer Certificate Specials - Term Certificate	4.17%	4.25%	6 months
Min Balance $500 Details Balance: $500 and above; Limited-time summer certificate special Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Summer CD Special 6 month	-	4.25%	6 months
Min Balance $500 Details Upward's Summer CD Specials; APY printed as 4.25% APY*; Minimum balance for all Certificates and IRA Certificates is $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
24 Month Summer Certificate Specials - Term Certificate	4.12%	4.20%	24 months
Min Balance $500 Details Balance: $500 and above; Limited-time summer certificate special Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Summer CD Special 24 month	-	4.20%	24 months
Min Balance $500 Details Upward's Summer CD Specials; APY printed as 4.20 APY* (no % sign on page); Minimum balance for all Certificates and IRA Certificates is $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
18 Month Summer Certificate Specials - Term Certificate	3.45%	3.50%	18 months
Min Balance $500 Details Balance: $500 and above; Limited-time summer certificate special Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Summer CD Special 18 month	-	3.50%	18 months
Min Balance $500 Details Upward's Summer CD Specials; APY printed as 3.50% APY*; Minimum balance for all Certificates and IRA Certificates is $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
6 - 11 Month Term Certificate	3.00%	3.04%	6 to 11 months
Min Balance $500 Details Balance: $500 and above; Minimum Balance to Earn Dividends: $500 and above Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
36 Month Term Certificate	2.50%	2.53%	36 months
Min Balance $500 Details Balance: $500 and above; Minimum Balance to Earn Dividends: $500 and above Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
24 - 35 Month Term Certificate	2.25%	2.27%	24 to 35 months
Min Balance $500 Details Balance: $500 and above; Minimum Balance to Earn Dividends: $500 and above Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
12 - 23 Month Term Certificate	2.00%	2.02%	12 to 23 months
Min Balance $500 Details Balance: $500 and above; Minimum Balance to Earn Dividends: $500 and above Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
IRA Savings	0.40%	0.40%
Min Balance $100 Details Balance: $100; Start Saving for Your Future Today! Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Holiday & Goals Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100 to $999.99; Goals Account or Christmas Club Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Holiday & Goals Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $4,999.99; Goals Account or Christmas Club Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Holiday & Goals Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 and above; Goals Account or Christmas Club Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Regular Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100 to $999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Regular Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Regular Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 and above Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Youth Savings	0.05%	0.05%
Min Balance $25 Details Balance: $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Money Market Savings	1.25%	1.26%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash "High Dividends" Checking	-	3.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to and including $10,000.00; Monthly Earning Limit: Based on account balance; When qualifications are not met, earns 0.05% APY on entire average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Kasasa Cash Checking - Qualifying	2.96%	3.00%
Min Deposit $0 Min Balance $0 Details Qualifying balance up to $10,000.00; Qualifying rates apply during the period in which the linked Kasasa Checking Account meets the Monthly Qualifications Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Non-Qualifying - Kasasa Cash Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: All balances in non-qualifying accounts; Non-Qualifying rates apply when the linked Kasasa Checking Account does not meet the Monthly Qualifications Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Regular Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.00%	15 years
Details Term: 15 or 20 years from last advance date; Variable; Loan Information: $650,000 Maximum Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan - Fixed	-	-	4.49%	Up to 3 years
Details Printed APR pair: 4.49% / 3.99%**; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Used Car, Truck, SUV, Motorcycle Loan - Used Vehicles	-	-	4.49%	Up to 3 years
Details Purchase, Refinance or Lease Buyout; Printed APR: 4.49% / 3.99%**; 100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection; Private party purchases: Private Party Good Value plus Upward CU insurance protection; Maximum loan amount $150,000; Additional .50% discount available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
New Vehicle Loan - Fixed	-	-	4.74%	4 years
Details Printed APR pair: 4.74% / 4.24%**; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Used Car, Truck, SUV, Motorcycle Loan - Used Vehicles	-	-	4.74%	4 years
Details Purchase, Refinance or Lease Buyout; Printed APR: 4.74% / 4.24%**; 100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection; Private party purchases: Private Party Good Value plus Upward CU insurance protection; Maximum loan amount $150,000; Additional .50% discount available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
New Vehicle Loan - Fixed	-	-	4.99%	5 Years
Details Printed APR pair: 4.99% / 4.49%**; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Used Car, Truck, SUV, Motorcycle Loan - Used Vehicles	-	-	4.99%	5 Years
Details Purchase, Refinance or Lease Buyout; Printed APR: 4.99% / 4.49%**; 100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection; Private party purchases: Private Party Good Value plus Upward CU insurance protection; Maximum loan amount $150,000; Additional .50% discount available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
New Vehicle Loan - Fixed	-	-	5.24%	6 years
Details Printed APR pair: 5.24% / 4.74%**; Minimum loan amount of $15,000 for a 6 year term; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Used Car, Truck, SUV, Motorcycle Loan - Used Vehicles	-	-	5.24%	6 years
Details Minimum loan amount of $15,000 for a 6 year term; Purchase, Refinance or Lease Buyout; Printed APR: 5.24% / 4.74%**; 100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection; Private party purchases: Private Party Good Value plus Upward CU insurance protection; Maximum loan amount $150,000; Additional .50% discount available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
New Vehicle Loan - Fixed	-	-	5.49%	7 years
Details Printed APR pair: 5.49% / 4.99%**; Minimum loan amount of $35,000 for a 7 year term; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Used Car, Truck, SUV, Motorcycle Loan - Used Vehicles	-	-	5.49%	7 years
Details Minimum loan amount of $35,000 for a 7 year term; Purchase, Refinance or Lease Buyout; Printed APR: 5.49% / 4.99%**; 100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection; Private party purchases: Private Party Good Value plus Upward CU insurance protection; Maximum loan amount $150,000; Additional .50% discount available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Credit Card Rates

Product	Rate	APR
Visa Gold Credit Card	-	9.90%
Details Maximum credit limit of $15,000.00; APR for purchases fixed; No annual fee; 25-day grace period for repayment of purchase balance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Visa Classic Credit Card	-	10.00%
Details Maximum credit limit of $7,500.00; APR for purchases fixed; No annual fee; 25-day grace period for repayment of purchase balance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Visa-U Credit Card	-	10.00%
Details Maximum credit limit of $500.00; APR for purchases fixed; No annual fee; 25-day grace period for repayment of purchase balance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.90%
Details As Low As; Alternate rate shown as 9.40%** (with payment protection); Term varies with loan amount; Maximum loan amount $15,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 22, 2026 · 9.90% → 9.90% ▼ 0.00 pts · high 9.90% / low 9.40% Oct 13, 20269.90%▲ from 9.40% Oct 9, 20269.40%▼ from 9.90% Sep 22, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Upward Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Mortgage (owner occupied)	-	-	6.75%	5 years
Details Loan Information: $650,000 Maximum; Fixed; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (owner occupied)	-	-	6.75%	7 years
Details Loan Information: $650,000 Maximum; Fixed; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (owner occupied)	-	-	7.00%	10 years
Details Loan Information: $650,000 Maximum; Fixed; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (owner occupied)	-	-	7.00%	15 years (a)
Details Loan Information: $650,000 Maximum; Fixed; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (owner occupied)	-	-	7.25%	20 years (a)
Details Loan Information: $650,000 Maximum; Fixed; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (rental property)	-	-	7.75%	5 years
Details Fixed; Loan Information: $150,000 Maximum; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
2nd Mortgage (rental property)	-	-	8.00%	10 years
Details Fixed; Loan Information: $150,000 Maximum; APR for level 1 credit scores Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Credit Builder Loan	-	-	4.24%	Up to 12 Months
Details Loan Amount: $500 - $1,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Credit Builder Loan	-	-	4.24%	Up to 24 months
Details Loan Amount: $1,501 - $2,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
P.A.C.E. Loan	-	-	20.00%	Up to 18 months
Details Payday Alternative Clear & Easy (PACE) Loan; Loan Information: $250 Minimum, $2,500 Maximum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 20.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Kasasa Saver Savings	0.74%	-	0.75%
Min Balance $100 Details Qualifying - Kasasa Saver Savings; Balance: $100 to $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Kasasa Saver Savings	0.25%	-	0.25%
Min Balance $25,000 Details Qualifying - Kasasa Saver Savings; Balance: Portion of balance over $25,000.01 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Non-Qualifying - Kasasa Saver Savings	0.05%	-	0.05%
Details Balance: All balances in non-qualifying accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

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.
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Financial Health History

Upward Credit Union’s Texas Ratio fell from 7.03% in Q3 2023 to 5.23% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$93M	5.23%	5.0	A+
March 31, 2026	$94M	0.31%	5.0	A+
December 31, 2025	$94M	0.86%	5.0	A+
September 30, 2025	$96M	6.39%	5.0	A
June 30, 2025	$90M	1.97%	5.0	A+
March 31, 2025	$92M	0.95%	5.0	A+
December 31, 2024	$94M	0.72%	5.0	A+
September 30, 2024	$95M	6.15%	5.0	A
June 30, 2024	$98M	11.78%	5.0	A
March 31, 2024	$97M	6.45%	5.0	A
December 31, 2023	$94M	5.68%	5.0	A+
September 30, 2023	$94M	7.03%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 12

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.23%

Return on Assets (ROA)

0.3574%

Return on Equity (ROE)

3.1252%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

92,704,059

Total Amount of Shares and Deposits

79,462,947

Total Shares and Deposits < 1 Year

79,043,813

Total Shares and Deposits 1 3 Years

419,134

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

1,100,950

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

1,100,950

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

78,361,997

Total Interest Expense (Sum of items 6 8)

274,702

Share Certificates

309

Number of Accounts for Share Drafts

3,046

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,783

Money Market Shares

244

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

331,307

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)

850,222

Total Liabilities

82,383,580

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Upward Credit Union earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About Upward Credit Union

Does Upward Credit Union offer CDs?

Yes. Upward Credit Union current CD rates include its 6 Month Summer CD Specials - Term CD at 4.25% APY, its 24 Month Summer CD Specials - Term CD at 4.20% APY and its 18 Month Summer CD Specials - Term CD at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Upward Credit Union NCUA insured?

Yes. Upward Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Upward Credit Union?

The highest Upward Credit Union CD rate is its 6 Month Summer CD Specials - Term CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Upward Credit Union offer?

Upward Credit Union CD rates are 4.25% APY for a 6 month CD, 3.04% APY for an 11 month CD, 3.04% APY for a 12 month CD, 3.50% APY for an 18 month CD, 2.02% APY for a 2 year CD and 2.53% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Upward Credit Union for its full lineup.

What is the highest savings rate at Upward Credit Union?

The highest Upward Credit Union savings rate is its IRA Savings at 0.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Upward Credit Union?

The highest Upward Credit Union money market rate is its Money Market Savings at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Upward Credit Union?

The highest Upward Credit Union checking rate is its Kasasa Cash "High Dividends" Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Upward Credit Union?

The lowest Upward Credit Union auto loan rate is its New Vehicle Loan - Fixed at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Upward Credit Union?

The lowest Upward Credit Union personal loan rate is its Personal Loan at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Upward Credit Union?

The lowest Upward Credit Union credit card APR is its Visa Gold Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Upward Credit Union rates compare?

Upward Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. Upward Credit Union's top rates are its 6 Month Summer CD Specials - Term CD at 4.25% APY, its Money Market Savings at 1.26% APY, its Kasasa Cash "High Dividends" Checking at 3.00% APY, its Personal Loan at 9.90% APR and its Visa Gold Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Upward Credit Union Rates

12-Month CD3.04%
18-Month CD3.50%
24-Month CD2.02%
Savings1.26%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Upward Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Upward Credit Union Texas Ratio

Upward Credit Union Health Trend

Upward Credit Union CD Rates

Upward Credit Union Savings Rates

Upward Credit Union Money Market Rates

Upward Credit Union Checking 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Upward Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Upward Credit Union

Does Upward Credit Union offer CDs?

Are CDs from Upward Credit Union NCUA insured?

What is the highest CD rate at Upward Credit Union?

What CD terms does Upward Credit Union offer?

What is the highest savings rate at Upward Credit Union?

What is the highest money market rate at Upward Credit Union?

What is the highest checking rate at Upward Credit Union?

What is the lowest auto loan rate at Upward Credit Union?

What is the lowest personal loan rate at Upward Credit Union?

What is the lowest credit card APR at Upward Credit Union?

How many branches does Upward Credit Union operate?

Is a member application needed to join Upward Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Upward Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Upward Credit Union rates compare?

Current Upward Credit Union Rates

Compare to Other Credit Unions