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.
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
Overall | |
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NCUA # | 62085 |
Year Chartered | 1955 |
Employees | 50 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 1.6% |
Return on Equity - YTD | 13.26% |
Annual Interest Income | $2.4MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $200.3MM$197.3MM |
Loans | Q1 2025vs Q1 2024 | $109.6MM$110MM |
Deposits | Q1 2025vs Q1 2024 | $175MM$174.8MM |
Equity Capital | Q1 2025vs Q1 2024 | $24MM$20.4MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $241K$286K |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $439K$253K |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not U.P. State Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.60%* | $10k* | - | Member Rewards Savings | ||
OTHER TIERS: 0.25% → $0 - $2.5k | 0.40% → $2.5k - $10k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
1.00%* | $50k* | - | Money Market Savings Account | ||
OTHER TIERS: 0.25% → $0 - $10k | 0.50% → $10k - $25k | 0.75% → $25k - $50k |
APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.70% | $0 | - | IRA |
U.P. State Credit Union Locations | ||
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Branch Office | 507 W M 134 | Cedarville, MI 49719 |
Branch Office | W366 US Highway 2 W | Saint Ignace, MI 49781-9614 |
Corporate Office | 123 S Lincoln Rd | Escanaba, MI 49829-1339 |
Branch Office | 601 US Highway 2 | Norway, MI 49870 |
Branch Office | 4868 W M 80 | Kincheloe, MI 49788-1620 |
Branch Office | 402 W Spruce St | Sault Sainte Marie, MI 49783 |