New Vehicles
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| Fixed | |
| APR | Loan Terms |
|---|---|
| 5.99% / 5.49%** | Up to 3 years |
| 6.24% / 5.74%** | 4 years |
| 6.49% / 5.99%** | 5 years |
| 6.74% / 6.24%** | 6 years ++ |
| 6.99% / 6.49%** | 7 years +++ |
| 100% of purchase price, including tax, license, and Upward CU payment protection. Maximum loan amount is $150,000. Additional .50% discount is available.** More Information |
|
Used Vehicles
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| Fixed | |
| APR | Loan Terms |
|---|---|
| 5.99% / 5.49%** | Up to 3 years |
| 6.24% / 5.74%** | 4 years |
| 6.49% / 5.99%** | 5 years |
| 6.74% / 6.24%** | 6 years ++ |
| 6.99% / 6.49%** | 7 years +++ |
| 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.** More Information |
|
++ Minimum loan amount of $15,000 for a 6 year term.
+++ Minimum loan amount of $35,000 for a 7 year term
Personal Loans
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| Fixed | ||
| APR | Loan Terms | Loan Information |
|---|---|---|
| as low as 9.90% / 9.40%** | 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
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| Fixed | ||
| APR | Loan Terms | Loan Information |
|---|---|---|
| 20.00% | Up to 6 months | $250 Minimum $1,500 Maximum |
| More Information | ||
Credit Builder
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| 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 |
| More Information | ||
Title Loan
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| 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 | |
|---|---|---|---|
| 7.50% | 5 years | $400,000 Maximum | |
| 7.50% | 7 years | $400,000 Maximum | |
| 7.75% | 10 years | $400,000 Maximum | |
| 8.00% | 15 years (a) | $400,000 Maximum | |
| 8.25% | 20 years (a) | $400,000 Maximum | |
| More Information | |||
2nd Mortgage (rental property)
| Fixed | |||
| APR | Loan Terms | Loan Information | |
|---|---|---|---|
| 8.50% | 5 years | $50,000 Maximum | |
| 9.00% | 10 years | $50,000 Maximum | |
| More Information | |||
Home Equity Line of Credit (HELOC)
| Variable | |||
| APR | Loan Terms | Loan Information | |
|---|---|---|---|
| 8.50% (b) | 15 or 20 years from last advance date (c) | $400,000 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
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| 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
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| 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 $7,500.00 | 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 |
VISA®-U
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| 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®
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| 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 August 22, 2023. 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.
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 | |||
Kasasa Saver with Qualifying Kasasa Checking Account
| Minimum Balance to Open Account - $100 | |||
| 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% | |
| More Information | |||
Kasasa Saver with Non-Qualifying Kasasa Checking Account
| Minimum Balance to Open Account - $100 | |||
| Balance Tiers or Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| All balances in non-qualifying accounts | .05% | .05% | |
| More Information | |||
Goals 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 | |||
Kasasa Cash Checking - Qualifying
| Minimum Balance to Open Account - $0 | |||
| 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% | |
| More Information | |||
Kasasa Cash Checking - Non-Qualifying
| Minimum Balance to Open Account - $0 | |||
| Balance Tiers or Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| All balances in non-qualifying accounts | 0.05% | 0.05% | |
| More Information | |||
Regular 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
| 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 | 1.00% | 1.01% | |
| $10,000 - $24,999 | 1.00% | 1.01% | |
| $25,000 - $49,999 | 1.00% | 1.01% | |
| $50,000 - $74,999 | 1.00% | 1.01% | |
| $75,000 - $99,999 | 1.00% | 1.01% | |
| $100,000 and above | 1.00% | 1.01% | |
Term Certificates - Now you can choose a term length to suit your needs
6 to 11 months
| Minimum Balance to Open Account - $500 | |||
| Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| $500 and above | 3.00% | 3.04% | |
| More Information | |||
12 to 23 months
| Minimum Balance to Open Account - $500 | |||
| Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| $500 and above | 2.00% | 2.02% | |
| More Information | |||
24 to 35 months
| Minimum Balance to Open Account - $500 | |||
| Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| $500 and above | 2.25% | 2.27% | |
| More Information | |||
36 months
| Minimum Balance to Open Account - $500 | |||
| Minimum Balance to Earn Dividends | Dividend Rate | APY | |
|---|---|---|---|
| $500 and above | 2.50% | 2.53% | |
| More Information | |||
All deposit account rates effective June 01, 2023 (excluding IRA's). Certificate rates effective as of November 29,2023. 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 5.99% / 5.49%** Up to 3 years 6.24% / 5.74%** 4 years 6.49% / 5.99%** 5 years 6.74% / 6.24%** 6 years ++ 6.99% / 6.49%** 7 years +++ 100% of purchase price, including tax, license, and Upward CU payment protection. Maximum loan amount is $150,000. Additional .50% discount is available.**
More Information
Used Vehicles
Apply Now
Fixed APR Loan Terms 5.99% / 5.49%** Up to 3 years 6.24% / 5.74%** 4 years 6.49% / 5.99%** 5 years 6.74% / 6.24%** 6 years ++ 6.99% / 6.49%** 7 years +++ 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.**
More Information++ Minimum loan amount of $15,000 for a 6 year term.
+++ Minimum loan amount of $35,000 for a 7 year term
Personal Loans
Apply Now
Fixed APR Loan Terms Loan Information as low as 9.90% / 9.40%** Term varies with loan amount $15,000 Maximum More Information
Share Secured
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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
$1,500 MaximumMore Information
Credit Builder
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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 More Information
Title Loan
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Fixed APR Loan Terms Loan Information 26.50%/26.00%** Up to 4 years $1,000 Minimum $10,000 Maximum More Information
Certificate Secured
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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 7.50% 5 years $400,000 Maximum 7.50% 7 years $400,000 Maximum 7.75% 10 years $400,000 Maximum 8.00% 15 years (a) $400,000 Maximum 8.25% 20 years (a) $400,000 Maximum More Information
2nd Mortgage (rental property)
Fixed APR Loan Terms Loan Information 8.50% 5 years $50,000 Maximum 9.00% 10 years $50,000 Maximum More Information
Home Equity Line of Credit (HELOC)
Variable APR Loan Terms Loan Information 8.50% (b) 15 or 20 years from last advance date (c) $400,000 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
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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
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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 $7,500.00 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
VISA®-U
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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®
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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 August 22, 2023. 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.
- 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
Kasasa Saver with Qualifying Kasasa Checking Account
Minimum Balance to Open Account - $100 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% More Information
Kasasa Saver with Non-Qualifying Kasasa Checking Account
Minimum Balance to Open Account - $100 Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY All balances in non-qualifying accounts .05% .05% More Information
Goals 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
Kasasa Cash Checking - Qualifying
Minimum Balance to Open Account - $0 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% More Information
Kasasa Cash Checking - Non-Qualifying
Minimum Balance to Open Account - $0 Balance Tiers or Minimum Balance to Earn Dividends Dividend Rate APY All balances in non-qualifying accounts 0.05% 0.05% More Information
Regular 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
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 1.00% 1.01% $10,000 - $24,999 1.00% 1.01% $25,000 - $49,999 1.00% 1.01% $50,000 - $74,999 1.00% 1.01% $75,000 - $99,999 1.00% 1.01% $100,000 and above 1.00% 1.01%
Term Certificates - Now you can choose a term length to suit your needs
6 to 11 months
Minimum Balance to Open Account - $500 Minimum Balance to Earn Dividends Dividend Rate APY $500 and above 3.00% 3.04% More Information
12 to 23 months
Minimum Balance to Open Account - $500 Minimum Balance to Earn Dividends Dividend Rate APY $500 and above 2.00% 2.02% More Information
24 to 35 months
Minimum Balance to Open Account - $500 Minimum Balance to Earn Dividends Dividend Rate APY $500 and above 2.25% 2.27% More Information
36 months
Minimum Balance to Open Account - $500 Minimum Balance to Earn Dividends Dividend Rate APY $500 and above 2.50% 2.53% More Information
All deposit account rates effective June 01, 2023 (excluding IRA's). Certificate rates effective as of November 29,2023. 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.