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Upstate Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
www.upstatefcu.org
864-328-0303
123 Broadbent Way
Anderson, SC 29625

Upstate Federal Credit Union is headquartered in Anderson and is the 21st largest credit union in the state of South Carolina. It is also the 1,547th largest credit union in the nation. It was established in 1965 and as of December of 2024, it had grown to 52 employees and 16,322 members at 7 locations. Upstate Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Upstate Federal Credit Union is open to those who live, work, worship, or attend school in the South Carolina counties of Anderson, Abbeville, Oconee, Pickens, Greenville, Greenwood or Laurens. Immediate family and household members of a current Upstate Federal Credit Union member also qualify for membership.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #24484
Year Chartered1965
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD9.3%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$137.7MM$132.9MM
LoansQ4 2024vs Q4 2023$93.6MM$85.7MM
DepositsQ4 2024vs Q4 2023$117.5MM$105.6MM
Equity CapitalQ4 2024vs Q4 2023$12.4MM$10.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$749K$648K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$261K$598K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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Always verify rates and promotions with the bank or credit union. We are not Upstate Federal 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.

Upstate Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Regular Share Savings Account

Upstate Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Money Market Account
OTHER TIERS: 0.05% → $0 - $5k | 0.10% → $5k - $25k

Upstate Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.92%*$100k*-Premium Checking Account
OTHER TIERS: 1.16% → $0 - $25k | 1.56% → $25k - $100k
0.01%$100-Checking PLUS Account
0.01%$100-Freedom 55 Checking Account

Upstate Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month CD
3.75%$500-12 Month CD
3.75%$0-12 Month Step CD
3.50%$500-18 Month CD
3.50%$0-18 Month Step CD
3.24%$500-24 Month CD
3.24%$500-30 Month CD
3.24%$0-24 Month Step CD
2.78%$500-36 Month CD
2.75%$500-3 Month CD
2.73%$500-48 Month CD
2.73%$500-60 Month CD

Upstate Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month IRA
3.75%$500-12 Month IRA
3.50%$500-18 Month IRA
3.24%$500-24 Month IRA
3.24%$500-30 Month IRA
2.78%$500-36 Month IRA
2.75%$500-3 Month IRA
2.73%$500-48 Month IRA
2.73%$500-60 Month IRA
Locations


Upstate Federal Credit Union Locations
Branch Office123 Broadbent WayAnderson, SC 29625
Branch Office4805 Highway 81 SStarr, SC 29684-9308
Branch Office430 N Main StHonea Path, SC 29654-1440
Branch Office4 roberts BlvdWilliamston, SC 29697
Branch Office910 Whitehall RdAnderson, SC 29625-2120
Branch Office1 Bib WayAnderson, SC 29626
Branch Office10 Bib WayAnderson, SC 29626

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