Credit union · NCUA insured
UPS Employees Federal Credit Union Savings Rates
UPS Employees Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Primary Share Savings. Rates checked October 16, 2026.
How UPS Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where UPS Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UPS Employees Federal Credit Union
0.10%APY
- Minimum
- $50
- Earns on $10,000 a year
- $10
Primary Share Savings
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
UPS Employees Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 UPS Employees 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.
Primary Share Savings
0.10%APY
Open with a $50 deposit and a one-time $5 membership fee. Dividends are calculated on average daily balance and paid monthly. No monthly service fees. $2 monthly paper statement fee can be avoided by enrolling in e-Statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividend is $200.00. Variable rate.$200 and up | 0.10% | $10 | Minimum balance to earn dividend is $200.00. Variable rate. |
Payroll Shares
0.03%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn dividend is $200.00. Variable rate.$200 and up | 0.03% | $3 | Minimum balance to earn dividend is $200.00. Variable rate. |
Sources (1)
- upscreditunion.org/rates · captured Sep 16, 2026
Special-purpose accounts
Christmas Club
0.25%APY
Funds automatically transfer to Primary Share Savings Account on November 1. Early withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividend is $5.00. Variable rate.$5 and up | 0.25% | $25 | Minimum balance to earn dividend is $5.00. Variable rate. |
Vacation Club
0.25%APY
Funds automatically transfer to Primary Share Savings Account on July 1. Early withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividend is $5.00. Variable rate.$5 and up | 0.25% | $25 | Minimum balance to earn dividend is $5.00. Variable rate. |
Youth Shares
0.10%APY
For youth members. Eligible for checking account with debit card at age 13; funds transfer to regular Share Savings at age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividend is $25.00. Variable rate.$25 and up | 0.10% | $10 | Minimum balance to earn dividend is $25.00. Variable rate. |
Who can join UPS Employees Federal Credit Union
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.
Membership information collected October 5, 2026.