We’re here to help you find the best loan and share rates that suit your financial goals so that you can make informed decisions with confidence!

LOAN RATES

New Car, Truck, SUV, Motorcycle Loan| Fixed

Purchase a New Car, Truck, or SUV!

	
		New Vehicles | Fixed
		
				APR*
				Loan Terms
			
				4.49% / 3.99%**
				Up to 3 years
			
				4.74% / 4.24%**
				4 years
			
				4.99% / 4.49%**
				5 Years
			
				5.24% / 4.74%**
				6 years¹
			
				5.49% / 4.99%**
				7 years²

New Vehicles | Fixed
APR*	Loan Terms
4.49% / 3.99%**	Up to 3 years
4.74% / 4.24%**	4 years
4.99% / 4.49%**	5 Years
5.24% / 4.74%**	6 years¹
5.49% / 4.99%**	7 years²

**100% of purchase price, including tax, license, and Upward CU payment protection. Maximum loan amount is $150,000. Additional .50% discount is available.

Apply for a Loan Today

Used Car, Truck, SUV, Motorcycle Loan| Fixed

Purchase, Refinance or Lease Buyout, We’ve Got You Covered!

	
		Used Vehicles | Fixed
		
				APR*
				Loan Terms
			
				4.49% / 3.99%**
				Up to 3 years
			
				4.74% / 4.24%**
				4 years
			
				4.99% / 4.49%**
				5 Years
			
				5.24% / 4.74%**
				6 years¹
			
				5.49% / 4.99%**
				7 years²

Used Vehicles | Fixed
APR*	Loan Terms
4.49% / 3.99%**	Up to 3 years
4.74% / 4.24%**	4 years
4.99% / 4.49%**	5 Years
5.24% / 4.74%**	6 years¹
5.49% / 4.99%**	7 years²

**100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU payment protection. For Private party purchases, Private Party Good Value, plus Upward CU insurance protection. Maximum loan amount is $150,000. Additional .50% discount is available.

1. Minimum loan amount of $15,000 for a 6 year term.
2. Minimum loan amount of $35,000 for a 7 year term

Apply for a Loan Today

Vehicle Title Loan | Fixed

Bring in the Title to Your Car, Truck, SUV, or Motorcycle and Borrow Against the Value of Your Vehicle.

	
		Title Loan | Fixed
		
				APR*
				Loan Terms
				Loan Information
			
				26.50%/26.00%**
				Up to 4 years
				$1,000 Minimum, $10,000 Maximum

Title Loan | Fixed
APR*	Loan Terms	Loan Information
26.50%/26.00%**	Up to 4 years	$1,000 Minimum, $10,000 Maximum

Apply for a Loan Today

Personal Loan | Fixed

Debt Consolidation, Emergency Expense, Major Purchase and More, a Personal Loan May be Right for You!

	
		Personal Loans | Fixed
		
				APR*
				Loan Terms
				Loan Information
			
				as low as 9.90% / 9.40%**
				Term varies with loan amount
				$15,000 Maximum

Personal Loans | Fixed
APR*	Loan Terms	Loan Information
as low as 9.90% / 9.40%**	Term varies with loan amount	$15,000 Maximum

Apply for a Loan Today

P.A.C.E. Loan | Fixed

Payday Alternative Clear & Easy (PACE) Loan

	
		P.A.C.E. | Fixed
		
				APR*
				Loan Terms
				Loan Information
			
				20.00%
				Up to 18 months
				$250 Minimum 

$2,500 Maximum

P.A.C.E. | Fixed
APR*	Loan Terms	Loan Information
20.00%	Up to 18 months	$250 Minimum $2,500 Maximum

Apply for a Loan Today

Certificate Secured Loan | Variable

Borrow Against the Money in Your Certificate.

	
		Certificate Secured | Variable
		
				APR*
				Loan Terms
				Loan Information
			
				3.00% above current certificate rate
				Up to 60 months
				100% of certificate balance

Certificate Secured | Variable
APR*	Loan Terms	Loan Information
3.00% above current certificate rate	Up to 60 months	100% of certificate balance

Apply for a Loan Today

Share Secured Loan | Variable

Borrow Against the Money in Your Regular Shares Savings Account.

	
		Share Secured | Variable
		
				APR*
				Loan Terms
				Loan Information
			
				3.00% above highest tier rate for Regular Shares
				Up to 5 years
				100% of Regular Share balance

Share Secured | Variable
APR*	Loan Terms	Loan Information
3.00% above highest tier rate for Regular Shares	Up to 5 years	100% of Regular Share balance

Apply for a Loan Today

Credit Builder | Fixed

Establish or Rebuild Your Credit, We’re Here to Help!

	
		Credit Builder | Fixed
		
				APR*
				Loan Terms
				Loan Information
			
				4.24%
				Up to 12 Months
				$500 – $1,500
			
				4.24%
				Up to 24 months
				$1,501 – $2,500

Credit Builder | Fixed
APR*	Loan Terms	Loan Information
4.24%	Up to 12 Months	$500 – $1,500
4.24%	Up to 24 months	$1,501 – $2,500

Apply for a Loan Today

Credit Cards | Fixed

	
		Credit Cards
		
				Credit Card
				Visa® Gold
				Visa® Classic
				Visa®-U
				Shared Secured Visa®
			

		
				APR* for Purchases
				9.90%
Maximum credit limit of $15,000.00
				10.00%
Maximum credit limit of $7,500.00
				10.00%
Maximum credit limit of $500.00
				10.00%
Maximum credit limit of $1,500.00
			

				Variable Rate
				Fixed
				Fixed
				Fixed
				Fixed
			

				Annual Fees
				No annual fee
				No annual fee
				No annual fee
				No annual fee
			

				Grace Period for Repayment of Balance for Purchases
				25 days to repay your balance before a finance charge will be imposed
				25 days to repay your balance before a finance charge will be imposed
				25 days to repay your balance before a finance charge will be imposed
				25 days to repay your balance before a finance charge will be imposed
			

				Balance Calculation Method for Purchases
				Average daily balance including new purchases
				Average daily balance including new purchases
				Average daily balance including new purchases
				Average daily balance including new purchases
			

				Transaction Fees - Cash Advances
				N/A
				N/A
				N/A
				N/A
			

				Transaction Fees - Late Payment
				$10
				$10
				$10
				$10
			

				Transaction Fees - Over-The-Limit
				$0
				$0
				$0
				$0
			

				Minimum Finance Charge
				N/A
				N/A
				N/A
				N/A
			

	

Credit Cards
Credit Card	Visa® Gold	Visa® Classic	Visa®-U	Shared Secured Visa®
APR* for Purchases	9.90% Maximum credit limit of $15,000.00	10.00% Maximum credit limit of $7,500.00	10.00% Maximum credit limit of $500.00	10.00% Maximum credit limit of $1,500.00
Variable Rate	Fixed	Fixed	Fixed	Fixed
Annual Fees	No annual fee	No annual fee	No annual fee	No annual fee
Grace Period for Repayment of Balance for Purchases	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed
Balance Calculation Method for Purchases	Average daily balance including new purchases	Average daily balance including new purchases	Average daily balance including new purchases	Average daily balance including new purchases
Transaction Fees - Cash Advances	N/A	N/A	N/A	N/A
Transaction Fees - Late Payment	$10	$10	$10	$10
Transaction Fees - Over-The-Limit	$0	$0	$0	$0
Minimum Finance Charge	N/A	N/A	N/A	N/A

2nd Mortgage (owner occupied) | Fixed

	
		2nd Mortgage (owner occupied) |
		
				APR*
				Loan Terms
				Loan Information
			
				6.75%
				5 years
				$650,000 Maximum
			
				6.75%
				7 years
				$650,000 Maximum
			
				7.00%
				10 years
				$650,000 Maximum
			
				7.00%
				15 years (a)
				$650,000 Maximum
			
				7.25%
				20 years (a)
				$650,000 Maximum

2nd Mortgage (owner occupied) |
APR*	Loan Terms	Loan Information
6.75%	5 years	$650,000 Maximum
6.75%	7 years	$650,000 Maximum
7.00%	10 years	$650,000 Maximum
7.00%	15 years (a)	$650,000 Maximum
7.25%	20 years (a)	$650,000 Maximum

2nd Mortgage (rental property) | Fixed

	
		2nd Mortgage (rental property) 
		
				APR*
				Loan Terms
				Loan Information
			
				7.75%
				5 years
				$150,000 Maximum
			
				8.00%
				10 years
				$150,000 Maximum

2nd Mortgage (rental property)
APR*	Loan Terms	Loan Information
7.75%	5 years	$150,000 Maximum
8.00%	10 years	$150,000 Maximum

Home Equity Line of Credit (HELOC) | Variable

	
		Home Equity Line of Credit (HEL
		
				APR*
				Loan Terms
				Loan Information
			
				6.75% (b)
				15 or 20 years from last advance date (c)
				$650,000 Maximum

Home Equity Line of Credit (HEL
APR*	Loan Terms	Loan Information
6.75% (b)	15 or 20 years from last advance date (c)	$650,000 Maximum

The information quoted is accurate as of March 23, 2026. This information may have changed after that date. To determine the latest information call us at (650) 231-1300, or write to us at Upward Credit Union, 1860 El Camino Real Suite 100, Burlingame, CA 94010.

* Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

** Special Rates reflect a 0.50% discount for Direct Deposit into a Upward CU Checking Account. If direct deposit is terminated within the first six months, the rate will revert to the non-discounted rate. You can also qualify for the 0.50% discount by setting up ACH automatic payments that are originated by Upward Credit Union. Only one 0.50% discount per loan. The Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

Apply for a Loan Today

DEPOSIT RATES

Regular Savings

Minimum Balance to Open Account - $25

	
		Regular Share
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$100 to $999.99
				.05%
				.05%
			
				$1,000 to $4,999.99
				.05%
				.05%
			
				$5,000 and above
				.05%
				.05%

Regular Share
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$100 to $999.99	.05%	.05%
$1,000 to $4,999.99	.05%	.05%
$5,000 and above	.05%	.05%

Youth Savings

Minimum Balance to Open Account - $25

	
		Youth Accounts
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$25
				.05%
				.05%
			
				$25
				.05%
				.05%
			
				$25
				.05%
				.05%

Youth Accounts
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$25	.05%	.05%
$25	.05%	.05%
$25	.05%	.05%

Money Market Savings

Minimum Balance to Open Account - $0

	
		Money Market
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$2,500 - $9,999
				1.25%
				1.26%
			
				$10,000 - $24,999
				1.25%
				1.26%
			
				$25,000 - $49,999
				1.25%
				1.26%
			
				$50,000 - $74,999
				1.25%
				1.26%
			
				$75,000 - $99,999
				1.25%
				1.26%
			
				$100,000 and above
				1.25%
				1.26%

Money Market
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$2,500 - $9,999	1.25%	1.26%
$10,000 - $24,999	1.25%	1.26%
$25,000 - $49,999	1.25%	1.26%
$50,000 - $74,999	1.25%	1.26%
$75,000 - $99,999	1.25%	1.26%
$100,000 and above	1.25%	1.26%

Holiday & Goals Savings

A Great Way to Save for the Holidays, a Vacation or a Big Purchase. Minimum Balance to Open Account - $0

	
		Goals Account or Christmas Club
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$100 to $999.99
				.05%
				.05%
			
				$1,000 to $4,999.99
				.05%
				.05%
			
				$5,000 and above
				.05%
				.05%

Goals Account or Christmas Club
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$100 to $999.99	.05%	.05%
$1,000 to $4,999.99	.05%	.05%
$5,000 and above	.05%	.05%

IRA Savings

Start Saving for Your Future Today!

	
		IRA Savings
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$100
				0.40%
				0.40%

IRA Savings
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$100	0.40%	0.40%

Free Regular Checking

Enjoy a Checking Account with No Monthly Services Fees. Minimum Balance to Open Account - $0

	
		Regular Checking
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$0
				0.00%
				0.00%

Regular Checking
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$0	0.00%	0.00%

Summer Certificate Specials

Don’t Wait, Act Now! These specials are around for a limited time.

	
		Term Certificates
		
				Term Certificates
				6 months
				18 months
				24 months
			
				Minimum Balance to Earn Dividends
				$500 and above
				$500 and above
				$500 and above
			
				Dividend Rate
				4.17%
				3.45%
				4.12%
			
				APY**
				4.25%
				3.50%
				4.20%

Term Certificates
Term Certificates	6 months	18 months	24 months
Minimum Balance to Earn Dividends	$500 and above	$500 and above	$500 and above
Dividend Rate	4.17%	3.45%	4.12%
APY**	4.25%	3.50%	4.20%

Term Certificates

Now you can choose a term length to suit your needs.

	
		Term Certificates
		
				Term Certificates
				6 to 11 months
				12 to 23 months
				24 to 35 months
				36 months
			

		
				Minimum Balance to Earn Dividends
				$500 and above
				$500 and above
				$500 and above
				$500 and above
			

				Dividend Rate
				3.00%
				2.00%
				2.25%
				2.50%
			

				APY**
				3.04%
				2.02%
				2.27%
				2.53%
			

	

Term Certificates
Term Certificates	6 to 11 months	12 to 23 months	24 to 35 months	36 months
Minimum Balance to Earn Dividends	$500 and above	$500 and above	$500 and above	$500 and above
Dividend Rate	3.00%	2.00%	2.25%	2.50%
APY**	3.04%	2.02%	2.27%	2.53%

KASASA REWARDS - QUALIFYING

Qualifying - Kasasa Saver Savings

The Qualifying rates will apply during the period in which your linked Kasasa Checking Account meets the Monthly Qualifications. Minimum Balance to Open Account - $100

	
		Kasasa Saver
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$100 to $25,000
				.74%
				.75%
			
				Portion of balance over $25,000.01
				.25%
				.25%

Kasasa Saver
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$100 to $25,000	.74%	.75%
Portion of balance over $25,000.01	.25%	.25%

Qualifying - Kasasa Cash Checking

The Qualifying rates will apply during the period in which your linked Kasasa Checking Account meets the Monthly Qualifications. Minimum Balance to Open Account - $0

	
		Kasasa Cash Checking - Qualifyi
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				$0.00 to $10,000
				2.9595%
				3.00%
			
				Portion of balance over $10,000.01
				0.7474%
				0.75%

Kasasa Cash Checking - Qualifyi
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
$0.00 to $10,000	2.9595%	3.00%
Portion of balance over $10,000.01	0.7474%	0.75%

KASASA REWARDS - NON-QUALIFYING

Non-Qualifying - Kasasa Saver Savings

The Non-Qualifying rates will apply during the period in which your linked Kasasa Checking Account does not meet the Monthly Qualifications. Minimum Balance to Open Account - $100

	
		Kasasa Saver with Non-Qualifyin
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				All balances in non-qualifying accounts
				.05%
				.05%

Kasasa Saver with Non-Qualifyin
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
All balances in non-qualifying accounts	.05%	.05%

Non-Qualifying - Kasasa Cash Checking

The Non-Qualifying rates will apply during the period in which your linked Kasasa Checking Account does not meet the Monthly Qualifications. Minimum Balance to Open Account - $0

	
		Kasasa Cash Checking - Non-Qual
		
				Balance Tiers or Minimum Balance to Earn Dividends
				Dividend Rate
				APY**
			
				All balances in non-qualifying accounts
				0.05%
				0.05%

Kasasa Cash Checking - Non-Qual
Balance Tiers or Minimum Balance to Earn Dividends	Dividend Rate	APY**
All balances in non-qualifying accounts	0.05%	0.05%

All deposit account rates effective March 01, 2025 (excluding IRA’s). Certificate rates effective as of August 17, 2026. This information may have changed after that date. To determine the latest information call us at (650) 231-1300, or write to us at Upward Credit Union, 1860 El Camino Real, Suite 100, Burlingame, CA 94010.

Rates

LOAN RATES

New Car, Truck, SUV, Motorcycle Loan| Fixed

Used Car, Truck, SUV, Motorcycle Loan| Fixed

Vehicle Title Loan | Fixed

Personal Loan | Fixed

P.A.C.E. Loan | Fixed

Certificate Secured Loan | Variable

Share Secured Loan | Variable

Credit Builder | Fixed

Credit Cards | Fixed

2nd Mortgage (owner occupied) | Fixed

2nd Mortgage (rental property) | Fixed

Home Equity Line of Credit (HELOC) | Variable

DEPOSIT RATES

Regular Savings

Youth Savings

Money Market Savings

Holiday & Goals Savings

IRA Savings

Free Regular Checking

Summer Certificate Specials

Term Certificates

KASASA REWARDS - QUALIFYING

Qualifying - Kasasa Saver Savings

Qualifying - Kasasa Cash Checking

KASASA REWARDS - NON-QUALIFYING

Non-Qualifying - Kasasa Saver Savings

Non-Qualifying - Kasasa Cash Checking

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