--- title: "U.p.s. Employees Credit Union Rates (Nov 2026): CDs to 4.00%" description: "U.p.s. Employees Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join U.p.s. Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/ups-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # U.p.s. Employees Credit Union Rates (Nov 2026): CDs to 4.00% ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Overdraft Protection/Line of Credit** ploc_variable | — APR | 10.990% | — | Standard | U.p.s. Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.500% | — | Standard | U.p.s. Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Regular Shares** savings | — APY | 0.10% | — | Standard | | **Youth Shares** savings | — APY | 0.10% | — | Eligibility restricted | | **Christmas Club** savings | — APY | 0.25% | — | Specialty offer | | **Money Market** money_market | — APY | 0.75% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 3.11% APY | 3.06% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.80% APY | 3.73% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.85% APY | 3.78% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.86% APY | 3.79% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.90% APY | 3.83% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 4.00% APY | 3.92% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.69% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.25% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.47% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.79% | 72 mo | Standard | U.p.s. Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fast Application** other | — % | 19.500% | — | Standard | U.p.s. Employees Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/ups-employees) , verified from [U.p.s. Employees Credit Union's official website](https://upscreditunion.org/) Loading branch locator… ## About U.p.s. Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.2K Assets $48.9M Founded 1974 Locations reported 2 NCUA charter 21532 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**The First Financial** Financial Service Centers Cooperative, Inc. · Ontario · CA · 91761-1249 About 1.0 miles away](https://rateapi.dev/credit-unions/california/the-first-financial) [**Rize** Ontario Branch · Ontario · CA · 91764 About 1.7 miles away](https://rateapi.dev/credit-unions/california/rize) [**Collegedale** CO-OP · Rancho Cucamonga · CA · 91730-0101 About 1.7 miles away](https://rateapi.dev/credit-unions/tennessee/collegedale) [**W S S C** CO-OP Shared Branching · Rancho Cucamonga · CA · 91730 About 1.7 miles away](https://rateapi.dev/credit-unions/maryland/w-s-s-c) [**Arrowhead** Corporate -Haven · Rancho Cucamonga · CA · 91730-9109 About 2.3 miles away](https://rateapi.dev/credit-unions/california/arrowhead) [**Navy Federal Credit Union** Ontario CA · Ontario · CA · 91764 About 2.5 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join U.p.s. Employees Credit Union Membership eligibility from U.p.s. Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on U.p.s. Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer United Parcel Service (UPS) Verified from [U.p.s. Employees Credit Union's membership page](https://upscreditunion.org/join-us) . Final membership determination is always made by the credit union. ## Membership rules for U.p.s. Employees Credit Union Employers 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from U.p.s. Employees Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of United Parcel Service (UPS) “Membership is available to current and retired United Parcel Service (UPS) employees” > [source ↗](https://upscreditunion.org/join-us) - Employee of United Parcel Service (UPS) - Retired employee of United Parcel Service (UPS) “Membership is available to current and retired United Parcel Service (UPS) employees” > [source ↗](https://upscreditunion.org/join-us) - Retiree of United Parcel Service (UPS) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, parent, grandparent, child, grandchild, sibling “as well as their immediate family members, including spouses, parents, grandparents, children, grandchildren, brothers, and sisters, regardless of whether they live in the same household.” > [source ↗](https://upscreditunion.org/join-us) - Family member (spouse, parent, grandparent, child, grandchild, sibling) of a member - Family of someone eligible immediate family, spouse, parent, grandparent, child, grandchild, sibling “Membership is available to current and retired United Parcel Service (UPS) employees, as well as their immediate family members, including spouses, parents, grandparents, children, grandchildren, brothers, and sisters, regardless of whether they live in the same household.” > [source ↗](https://upscreditunion.org/join-us) - Family member (immediate family, spouse, parent, grandparent, child, grandchild, sibling) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for U.p.s. Employees Credit Union? Yes No ## Work at U.p.s. Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where U.p.s. Employees Credit Union ranks against California peers. - See which AI assistants fetched U.p.s. Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ups-employees&state=california&code=CA&name=U.p.s.%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does U.p.s. Employees Credit Union offer? U.p.s. Employees Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are U.p.s. Employees Credit Union rates updated? RateAPI verifies U.p.s. Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get U.p.s. Employees Credit Union's rate data? Rate data is collected directly from U.p.s. Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is U.p.s. Employees Credit Union's best CD rate? As of November 12, 2026, U.p.s. Employees Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join U.p.s. Employees Credit Union? U.p.s. Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers for U.p.s. Employees Credit Union, each quoted from U.p.s. Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare U.p.s. Employees Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://upscreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track U.p.s. Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for U.p.s. Employees Credit Union curl "https://api.rateapi.dev/credit-unions/california /ups-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## U.p.s. Employees Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/ups-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp