--- title: "U.p. State Credit Union Rates - Michigan" description: "Current auto loan rates from U.p. State Credit Union in Michigan. Updated daily with source verification. See who can join U.p. State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/up-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # U.p. State Credit Union Rates - Michigan ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 3.500% | new | Standard | | **Used Auto Loan** auto_used | — APR | 4.000% | used | Standard | U.p. State Credit Union auto & vehicle rates as of November 13, 2026 U.p. State Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/up-state) , verified from [U.p. State Credit Union's official website](https://www.upscu.com/) Loading branch locator… ## About U.p. State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 14.2K Assets $211.8M Founded 1955 Locations reported 6 NCUA charter 62085 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - First-time homebuyer program 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. [**Peninsula** Mill Location · Escanaba · MI · 49829 Branch in the same ZIP](https://rateapi.dev/credit-unions/michigan/peninsula) [**Embers** Wells Branch · Wells · MI · 49894 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/embers) [**Great Lakes First** Escanaba office · Escanaba · MI · 49829-2333 About 3.4 miles away](https://rateapi.dev/credit-unions/michigan/great-lakes-first) [**Integra First** Powers Branch · Powers · MI · 49874-9793 About 19.4 miles away](https://rateapi.dev/credit-unions/michigan/integra-first) [**Northern Lights Community** Northern Lights Community FCU · Chatham · MI · 49816 About 36.5 miles away](https://rateapi.dev/credit-unions/michigan/northern-lights-community) [**Honor** Honor Credit Union · Gwinn · MI · 49841 About 38.3 miles away](https://rateapi.dev/credit-unions/michigan/honor) 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. State Credit Union Membership eligibility from U.p. State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in MI - Location MI Verified from [U.p. State Credit Union's membership page](https://www.upscu.com/) . Final membership determination is always made by the credit union. ## Work at U.p. State 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. State Credit Union ranks against Michigan peers. - See which AI assistants fetched U.p. State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=up-state&state=michigan&code=MI&name=U.p.%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does U.p. State Credit Union offer? U.p. State Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are U.p. State Credit Union rates updated? RateAPI verifies U.p. State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get U.p. State Credit Union's rate data? Rate data is collected directly from U.p. State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join U.p. State Credit Union? Community charter: live/work in MI ## Related Rate Data Compare U.p. State Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://www.upscu.com/) ### 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. State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan 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. State Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /up-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## U.p. State Credit Union locations Search, filter, and browse all 6 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/michigan/up-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp