U.P. State Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

upscu.com

906-786-1146

123 S Lincoln Rd
Escanaba, MI 49829

U.P. State Credit Union is headquartered in Escanaba and is the 81^st largest credit union in the state of Michigan. It is also the 1,281^st 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

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62085
Year Chartered	1955
Employees	50
Primary Regulator

Profit Margin
Return on Assets - YTD	1.6%
Return on Equity - YTD	13.26%
Annual Interest Income	$2.4MM

Assets and Liabilities
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

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

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

U.P. State Credit Union Money Market Rates

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

U.P. State Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$0	-	IRA

Locations

U.P. State Credit Union Locations
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

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