Credit union · NCUA insured
Upward Credit Union
Top CarrotA $93.7M credit union headquartered in Burlingame, CA, with 4,267 members and 2 branches in California. Best rates: CDs 4.25% and savings 1.26% APY.
Upward Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#9 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Upward Credit Union
Founded in 1956 as a member-owned cooperative, Upward Credit Union is headquartered in Burlingame, California.
Originally established as Peninsula Hospital Credit Union, it merged in 1985 to create United Health Credit Union before officially renaming to Upward Credit Union in 2017.
The credit union serves individuals who live, work, attend school, or retired from a business organization in San Francisco, San Mateo, or Santa Clara counties.
- Headquarters
- 1860 El Camino Real Ste 100, Burlingame, CA 94010-3106
- NCUA charter
- 65323
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, or attend school in San Francisco, San Mateo, or Santa Clara counties.
Employers and groups
- Membership is open to individuals who retired from a business organization in San Francisco, San Mateo, or Santa Clara counties.
Family and household
- Membership is open to family members of current Upward Credit Union members.
Cost to join
- Opening an account or membership requires funding with $25.
Branches
2 branches in California
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California
2 branches
- Main OfficeMain office1860 El Camino Real Ste 100, Burlingame, CA 94010Directions
- Sequoia Hosipital Branch170 Alameda de Las Pulgas, Redwood City, CA 94062Directions
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 | 11.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.71% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio11.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ 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 Upward Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.