U.P. State Credit Union


Overview / Commentary
906-786-1146
123 S Lincoln Rd
Escanaba, MI 49829

U.P. State Credit Union is headquartered in Escanaba and is the 81st largest credit union in the state of Michigan. It is also the 1,281st largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 50 employees and 15,221 members at 6 locations. U.P. State Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

U.P. State Credit Union is open to anyone who lives, works, or worships in Michigan's Upper Peninsula. Immediate family of current members are also eligible.
See current membership details

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Health

Health Grade Components

Overall
NCUA #62085
Year Chartered1955
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD13.26%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$200.3MM$197.3MM
LoansQ1 2025vs Q1 2024$109.6MM$110MM
DepositsQ1 2025vs Q1 2024$175MM$174.8MM
Equity CapitalQ1 2025vs Q1 2024$24MM$20.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$241K$286K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$439K$253K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

U.P. State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$10k*-Member Rewards Savings
OTHER TIERS: 0.25% $0 - $2.5k | 0.40% $2.5k - $10k

U.P. State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-Money Market Savings Account
OTHER TIERS: 0.25% $0 - $10k | 0.50% $10k - $25k | 0.75% $25k - $50k

U.P. State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.29%$1k-24 Month CD
3.29%$1k-36 Month CD
3.29%$1k-5 Year CD
3.03%$1k-12 Month CD
2.26%$250-6 Month CD

U.P. State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$0-IRA
Locations


U.P. State Credit Union Locations
Branch Office507 W M 134Cedarville, MI 49719
Branch OfficeW366 US Highway 2 WSaint Ignace, MI 49781-9614
Corporate Office123 S Lincoln RdEscanaba, MI 49829-1339
Branch Office601 US Highway 2Norway, MI 49870
Branch Office4868 W M 80Kincheloe, MI 49788-1620
Branch Office402 W Spruce StSault Sainte Marie, MI 49783

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