New Vehicles

Apply Now

Fixed
APR Loan Terms
2.75% / 2.25%** Up to 3 years
2.99% / 2.49%** 4 - 5 years
4.50% / 4.00%** 6 years ++
5.00% / 4.50%** 7 years +++
100% of purchase price, including tax, license, and Upward CU insurance protection. Maximum loan amount is $75,000. Additional .50% discount is available.**

More Information


Used Vehicles

Apply Now

Fixed
APR Loan Terms
2.75% / 2.25%** Up to 3 years
2.99% / 2.49%** 4 - 5 years
4.50% / 4.00%** 6 years ++
5.00% / 4.50%** 7 years +++
100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU insurance protection. For Private party purchases, Private Party Good Value, plus Upward CU insurance protection. Maximum loan amount is $75,000. Additional .50% discount is available.**

More Information

++ Minimum loan amount of $15,000 for a 6 year term.
+++ Minimum loan amount of $25,000 for a 7 year term


Personal Loans

Apply Now

Fixed
APR Loan Terms Loan Information
as low as 7.50%** Term varies with loan amount $15,000 Maximum
More Information


Share Secured

Apply Now

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


P.A.C.E. Loan

Apply Now

Fixed
APR Loan Terms Loan Information
20.00% Up to 6 months $250 Minimum
$750 Maximum
More Information


Title Loan

Apply Now

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


Certificate Secured

Apply Now

Variable
APR Loan Terms Loan Information
3.00% above current certificate rate Up to 60 months 100% of certificate balance
More Information


2nd Mortgage (owner occupied)

Fixed
APR Loan Terms Loan Information
5.50% 5 years $250,000 Maximum
6.00% 10 years $250,000 Maximum
6.50% 15 years (a) $250,000 Maximum
7.00% 20 years (a) $250,000 Maximum
More Information


2nd Mortgage (rental property)

Fixed
APR Loan Terms Loan Information
8.00% 5 years $50,000 Maximum
8.50% 10 years $50,000 Maximum
More Information


Home Equity Line of Credit (HELOC)

Variable
APR Loan Terms Loan Information
5.00% (b) 15 or 20 years from last advance date (c) $250,000 Maximum
More Information

(a) Standard loan term is 15 years. Loans with a minimum originating balance of $75,000 will receive a 20 year term.
(b) Variable Rate is based on the Prime Rate as published in the Wall Street Journal, with a floor of 5.00% APR. This rate may change monthly. The rate changes the 1st of the month following the change in the Prime Rate. The change must occur at least 10 days before the end of the month.
(c) Standard loan term is 15 years from the date of the last advance. Loans with a minimum originating balance of $75,000 will receive a term of 20 years from the date of the last advance.



Credit Cards

VISA® Gold

Apply Now

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


VISA® Classic

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
13.50% Maximum credit limit of $15,000.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A


VISA®-U

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
15.00% Maximum credit limit of $500.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A


Shared Secured Visa®

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
15.00% Maximum credit limit of $1,500.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A

The information quoted is accurate as of July 01, 2018. 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 back to the non-discounted rate. The Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

Regular Share

Minimum Balance to Open Account - $25
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%
More Information


Club Account or Christmas Club

Minimum Balance to Open Account - $0
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%
More Information


Youth Accounts

Minimum Balance to Open Account - $25
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$25 .05% .05%
$25 .05% .05%
$25 .05% .05%
More Information


Elite Checking

Minimum Balance to Open Account - $0
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$0 .00% .00%
More Information


IRA Savings (Currently Not Offered)

Minimum Balance to Open Account - $100
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$100 0.40% 0.40%


Money Market

Minimum Balance to Open Account - $2,500
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$2,500 - $9,999 0.50% 0.50%
$10,000 - $24,999 0.50% 0.50%
$25,000 - $49,999 0.50% 0.50%
$50,000 - $74,999 0.50% 0.50%
$75,000 - $99,999 0.50% 0.50%
$100,000 and above 0.50% 0.50%


Term Certificates - Now you can choose a term length to suit your needs

6 to 11 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


6 to 11 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


12 to 23 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


12 to 23 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


24 to 35 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


24 to 35 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


36 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


36 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


All deposit account rates effective July 01, 2018 (excluding IRA's). Certificate rates effective as of July 01, 2018. 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.

Loan Rates

New Vehicles

Apply Now

Fixed
APR Loan Terms
2.75% / 2.25%** Up to 3 years
2.99% / 2.49%** 4 - 5 years
4.50% / 4.00%** 6 years ++
5.00% / 4.50%** 7 years +++
100% of purchase price, including tax, license, and Upward CU insurance protection. Maximum loan amount is $75,000. Additional .50% discount is available.**

More Information


Used Vehicles

Apply Now

Fixed
APR Loan Terms
2.75% / 2.25%** Up to 3 years
2.99% / 2.49%** 4 - 5 years
4.50% / 4.00%** 6 years ++
5.00% / 4.50%** 7 years +++
100% of suggested retail value for dealer purchases, plus tax, license, and Upward CU insurance protection. For Private party purchases, Private Party Good Value, plus Upward CU insurance protection. Maximum loan amount is $75,000. Additional .50% discount is available.**

More Information

++ Minimum loan amount of $15,000 for a 6 year term.
+++ Minimum loan amount of $25,000 for a 7 year term


Personal Loans

Apply Now

Fixed
APR Loan Terms Loan Information
as low as 7.50%** Term varies with loan amount $15,000 Maximum
More Information


Share Secured

Apply Now

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


P.A.C.E. Loan

Apply Now

Fixed
APR Loan Terms Loan Information
20.00% Up to 6 months $250 Minimum
$750 Maximum
More Information


Title Loan

Apply Now

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


Certificate Secured

Apply Now

Variable
APR Loan Terms Loan Information
3.00% above current certificate rate Up to 60 months 100% of certificate balance
More Information


2nd Mortgage (owner occupied)

Fixed
APR Loan Terms Loan Information
5.50% 5 years $250,000 Maximum
6.00% 10 years $250,000 Maximum
6.50% 15 years (a) $250,000 Maximum
7.00% 20 years (a) $250,000 Maximum
More Information


2nd Mortgage (rental property)

Fixed
APR Loan Terms Loan Information
8.00% 5 years $50,000 Maximum
8.50% 10 years $50,000 Maximum
More Information


Home Equity Line of Credit (HELOC)

Variable
APR Loan Terms Loan Information
5.00% (b) 15 or 20 years from last advance date (c) $250,000 Maximum
More Information

(a) Standard loan term is 15 years. Loans with a minimum originating balance of $75,000 will receive a 20 year term.
(b) Variable Rate is based on the Prime Rate as published in the Wall Street Journal, with a floor of 5.00% APR. This rate may change monthly. The rate changes the 1st of the month following the change in the Prime Rate. The change must occur at least 10 days before the end of the month.
(c) Standard loan term is 15 years from the date of the last advance. Loans with a minimum originating balance of $75,000 will receive a term of 20 years from the date of the last advance.



Credit Cards

VISA® Gold

Apply Now

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


VISA® Classic

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
13.50% Maximum credit limit of $15,000.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A


VISA®-U

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
15.00% Maximum credit limit of $500.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A


Shared Secured Visa®

Apply Now

Fixed
APR for Purchases Variable Rate Annual Fees Grace Period for Repayment of Balance for Purchases Balance Calculation Method for Purchases Transaction Fees - Cash Advances Transaction Fees - Late Payment Transaction Fees - Over-The-Limit Minimum Finance Charge
15.00% Maximum credit limit of $1,500.00 Fixed No annual fee 25 days to repay your balance before a finance charge will be imposed Average daily balance including new purchases N/A $10 $0 N/A

The information quoted is accurate as of July 01, 2018. 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 back to the non-discounted rate. The Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

Share Rates

Regular Share

Minimum Balance to Open Account - $25
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%
More Information


Club Account or Christmas Club

Minimum Balance to Open Account - $0
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%
More Information


Youth Accounts

Minimum Balance to Open Account - $25
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$25 .05% .05%
$25 .05% .05%
$25 .05% .05%
More Information


Elite Checking

Minimum Balance to Open Account - $0
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$0 .00% .00%
More Information


IRA Savings (Currently Not Offered)

Minimum Balance to Open Account - $100
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$100 0.40% 0.40%


Money Market

Minimum Balance to Open Account - $2,500
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$2,500 - $9,999 0.50% 0.50%
$10,000 - $24,999 0.50% 0.50%
$25,000 - $49,999 0.50% 0.50%
$50,000 - $74,999 0.50% 0.50%
$75,000 - $99,999 0.50% 0.50%
$100,000 and above 0.50% 0.50%


Term Certificates - Now you can choose a term length to suit your needs

6 to 11 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


6 to 11 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


12 to 23 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


12 to 23 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


24 to 35 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


24 to 35 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


36 months

Minimum Balance to Open Account - $1,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$1,000 to 9,999.99 1.25% 1.25%
More Information


36 months

Minimum Balance to Open Account - $10,000
Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY
$10,000 and above 1.25% 1.25%
More Information


All deposit account rates effective July 01, 2018 (excluding IRA's). Certificate rates effective as of July 01, 2018. 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.