Credit union · NCUA insured
UP Federal Credit Union Savings Rates
UP Federal Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market Accounts (Tiered). Rates checked October 22, 2026.
How UP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where UP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UP Federal Credit Union
0.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Money Market Accounts (Tiered)
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
UP Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UP Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts (Tiered)
0.65%APY
Rates are declared by the Board of Directors for the previous quarter, and dividends are paid quarterly. (Fees could reduce earnings or principal.)
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $12,500 | 0.65% | $65 |
| $12,500 – $50,000 | 0.85% | — |
| $50,000 and up | 1.00% | — |
Sources (1)
- upfcu.org/rates.html · captured Oct 15, 2026
Share Savings Account
0.25%APY
Requires a small initial deposit of $5 to open and establish credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are declared by the Board of Directors for the previous quarter and paid quarterly.$100 and up | 0.25% | $25 | Dividends are declared by the Board of Directors for the previous quarter and paid quarterly. |
Special-purpose accounts
IRAs
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are declared by the Board of Directors for the previous quarter and paid quarterly.$100 and up | 0.25% | $25 | Dividends are declared by the Board of Directors for the previous quarter and paid quarterly. |
Sources (1)
- upfcu.org/rates.html · captured Oct 22, 2026
Vacation and Christmas Club Accounts
0.25%APY
No minimum balance required. Automatic deposits available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are declared by the Board of Directors for the previous quarter and paid quarterly.$100 and up | 0.25% | $25 | Dividends are declared by the Board of Directors for the previous quarter and paid quarterly. |
Who can join UP Federal Credit Union
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.
Membership information collected October 4, 2026.