Credit union · NCUA insured
UPS Employees Credit Union
A $43.7M credit union headquartered in Memphis, TN, with 6,151 members and 1 branch in Tennessee. Best rates: CDs 3.75% APY.
UPS Employees Credit Union Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#19 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UPS Employees Credit Union
Established in 1980 by truck drivers to serve employees of United Parcel Service, UPS Employees Credit Union is headquartered in Memphis, Tennessee.
The member-owned cooperative serves over 6,200 members across Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri, and Alabama.
- Headquarters
- 1814 E Brooks Rd, Memphis, TN 38116
- NCUA charter
- 67608
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of UPS who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Family and household
- Family members of UPS Employees who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Cost to join
- A deposit of $25.00 is required to open an account and become a member.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Ups EcuMain office1814 E Brooks Rd, Memphis, TN 38116Directions
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 | 23.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.57% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.50% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio23.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.57%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.50%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ 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 UPS Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.