Credit union · NCUA insured
Upward Credit Union CD Rates
Top CarrotUpward Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Upward Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Upward Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Upward Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Summer Certificate Specials
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Upward Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.25%
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 Upward Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Summer Certificate Specials
Up to 4.25%APY · 3 terms
Promotional specials available for a limited time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | $210 |
| 18 months | 3.50% | $530 |
| 24 months | 4.20% | $858 |
Term Certificates
Up to 3.04%APY · 4 terms
Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.04% | $151 |
| 12–23 months | 2.02% | $202 |
| 24–35 months | 2.27% | $459 |
| 36 months | 2.53% | $778 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Summer IRA Certificate Specials
Up to 4.25%APY · 3 terms
Promotional specials available for a limited time. All regular certificates can be opened as IRA certificates, unless otherwise noted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | $210 |
| 18 months | 3.50% | $530 |
| 24 months | 4.20% | $858 |
IRA Term Certificates
Up to 3.04%APY · 4 terms
All regular certificates can be opened as IRA certificates, unless otherwise noted. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.04% | $151 |
| 12–23 months | 2.02% | $202 |
| 24–35 months | 2.27% | $459 |
| 36 months | 2.53% | $778 |
Sources (3)
All captured Oct 16, 2026
Who can join Upward Credit Union
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.
Membership information collected October 5, 2026.