Upgrade

Upgrade

Deposits held and insured by Cross River Bank

Overview / Commentary
844-319-3909
275 Battery Street, 23rd Floor
San Francisco, CA 94111
Deposits held and insured by Cross River Bank

Amazing Cash Back For A Debit Card

Posted by: |

such good cash back. I get a lot of money every month from my rewards. Its pretty unheard of to get this with a debit card so its the only card I use now.

Excellent Savings Account

I’m earning a lot of interest with my performance savings account. The rate is an industry best and they tell you how much you’ve earned each month.

Good Savings Rate

Posted by: |

I'm earning a 5.21% interest rate on my savings. Pretty damn great rate if you ask me.

$5000 Transfer Max

Posted by: |

I just set up the Premier Savings account. Transferred some money from another account (very few are able to be linked), and found out that I could only transfer out a max of $5000 at a time, 3 times within a week. I would have not opened the account if that information was available. I talked to their customer service and they confirmed it. Said it was a new product and they are gradually changing things.

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Health
A

Data as of Q1 2025

Data displayed below is for insuring bank: Cross River Bank
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #58410
Year Established2008
Employees871
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD7.16%
Annual Interest Income$181.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$8.54B$8.91B
LoansQ1 2025vs Q1 2024$6.16B$6.41B
DepositsQ1 2025vs Q1 2024$6.56B$6.78B
Equity CapitalQ1 2025vs Q1 2024$1.04B$999.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$111MM$116.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$159MM$176.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations

Upgrade is an Internet only bank and does not have branch locations. Its headquarters is located at 275 Battery Street, 23rd Floor - San Francisco, CA 94111

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