Overview / Commentary
123 Broadbent Way
Anderson, SC 29625

Upstate Federal Credit Union is headquartered in Anderson and is the 27th largest credit union in the state of South Carolina. It is also the 2,050th largest credit union in the nation. It was established in 1965 and as of September of 2018, it had grown to 40 employees and 12,426 members at 5 locations. Upstate Federal Credit Union's CD rates are 73% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those in Anderson or Abbeville Counties in South Carolina.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Upstate Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24484
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD2.05%
Return on Equity - YTD20.89%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$64.7MM$55.0MM
LoansQ3 2018vs Q3 2017$50.9MM$44.8MM
DepositsQ3 2018vs Q3 2017$58.1MM$49.8MM
Equity CapitalQ3 2018vs Q3 2017$6.3MM$5.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$241.00K$231.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$194.00K$219.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* 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

0.20%$100-Regular Share Savings Account

Upstate Federal Credit Union Money Market Rates

0.50%*$25k*-Money Market Account
OTHER TIERS: 0.10% Up to $5k | 0.30% $5k - $10k | 0.35% $10k - $25k

Upstate Federal Credit Union Checking Account Rates

1.00%*$50k*-Premium Checking Account
OTHER TIERS: 0.20% $100 - $10k | 0.60% $10k - $25k | 0.70% $25k - $50k
0.05%$100-Checking PLUS Account

Upstate Federal Credit Union CD Rates

2.21%--60 Month CD
2.11%--48 Month CD
2.01%--36 Month CD
1.91%--30 Month CD
1.86%--24 Month CD
1.76%--18 Month CD
1.56%--12 Month CD
1.25%--6 Month CD
1.00%--3 Month CD

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

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