Credit union · NCUA insured
UP Federal Credit Union
A $32.8M credit union headquartered in North Little Rock, AR, with 2,801 members and 2 branches in Arkansas. Best rates: CDs 4.00% and savings 0.65% APY.
UP Federal Credit Union Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#15 of 26 in Little Rock, AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UP Federal Credit Union
UP Federal Credit Union is a member-owned, not-for-profit financial cooperative certified as a Community Development Financial Institution (CDFI).
- Headquarters
- 1101 Vine St, North Little Rock, AR 72114-4333
- NCUA charter
- 24422
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any Arkansas resident qualifies for membership through UPFCU's partnership with the Arkansas Consumer Council (ARCC), with dues paid by the credit union.
Employers and groups
- Employees of participating companies that offer credit union membership can join.
Family and household
- Immediate family members of members are eligible for membership.
Cost to join
- An opening deposit of $5 to a share/savings account is required to join.
Branches
2 branches in Arkansas
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Arkansas
2 branches
- Vine StreetMain office1101 Vine St, North Little Rock, AR 72114Directions
- Pike Avenue Branch1501 Pike Ave, North Little Rock, AR 72114Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.32% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio22.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.32%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of UP Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.