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UPS Employees Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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: May 16, 2026

UPS Employees Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of UPS Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.22%. Rates were last updated on 05/16/2026.

UPS Employees 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 UPS Employees Credit Union? Share your experience about UPS Employees Credit Union by leaving a review below, or read customer reviews before you decide to use UPS Employees Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.22%
Excellent Lower than avg
UPS Employees Credit Union
UPS ECU
1814 E Brooks Rd
Memphis, TN 38116
https://www.upscu.org
Member NCUA

UPS Employees Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 4.49% 60
Details Loan Promotion
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
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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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for UPS Employees 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 UPS Employees 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 UPS Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UPS Employees Credit Union
Website https://www.upscu.org
Address 1814 E Brooks Rd, Memphis, TN 38116
Phone 901-396-2132
Fax 901-345-0400
President Wayne Holobaugh
CEO Blake Wood
Full-Time Employees 10
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
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
2.22%
Return on Assets (ROA)
1.7703%
Return on Equity (ROE)
7.5297%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
42,454,865
Total Amount of Shares and Deposits
31,912,697
Total Shares and Deposits < 1 Year
31,897,074
Total Shares and Deposits 1 3 Years
15,622
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
695,632
Total Uninsured Shares and Deposits > $250K (F+J)
695,632
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,217,065
Total Interest Expense (Sum of items 6 8)
203,617
Share Certificates
143
Number of Accounts for Share Drafts
1,958
IRA KEOGH Accounts
49
Number of Accounts for Regular Shares
6,209
All other shares
2,449
Net Income (unless the amount is already included in Undivided Earnings)
751,569
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,747,504
Total Liabilities
32,522,963
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for UPS Employees 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About UPS Employees Credit Union

How many branches does UPS Employees Credit Union operate?

UPS Employees 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 UPS Employees Credit Union?

Yes, to access services at UPS Employees 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, UPS Employees 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, UPS Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UPS Employees Credit Union offer online and mobile banking?

Most modern institutions like UPS Employees 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.org.

Compare to Other Credit Unions

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