Credit union · NCUA insured
UPS Employees Federal Credit Union
A $48.9M credit union headquartered in Ontario, CA, with 5,190 members and 1 branch in California. Best rates: savings 0.10% APY.
UPS Employees Federal Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#23 of 50 in Riverside, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UPS Employees Federal Credit Union
Headquartered in Ontario, California, UPSEFCU has served its members since 1974.
The credit union operates as a not-for-profit financial cooperative whose earnings are returned to members.
- Headquarters
- 3110 Inland Empire Blvd Ste A, Ontario, CA 91764-6572
- NCUA charter
- 21532
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired United Parcel Service (UPS) employees are eligible for membership.
Family and household
- Immediate family members of current or retired UPS employees—including spouses, parents, grandparents, children, grandchildren, brothers, and sisters—are eligible for membership regardless of whether they live in the same household.
Cost to join
- A one-time $5 membership fee is required to become a member.
- Opening a Share Savings Account requires a $50 deposit.
Branches
1 branch in California
Loading map…
California
1 branch
- Ups EfcuMain office3110 Inland Empire Blvd, Ste A, Ontario, CA 91764Directions
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 | 7.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.53% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $75 | $59 | — |
- CapitalNet worth ratio7.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$75Peers’ 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 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.