Credit union · NCUA insured
Upward Credit Union Credit Card Rates
Top CarrotUpward Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Upward Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Upward Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Upward Credit Union
9.90%APR
- Up to
- —
Visa® Gold
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
Upward Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Upward Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® Classic
Credit limits up to $7,500. Multiple cards available to add additional signers. Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Fixed APR for purchases. Rate displayed is for level 1 credit scores; individual rates may differ based on application and credit criteria. |
Visa® Gold
Maximum credit limit up to $15,000. Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR for purchases. Rate displayed is for level 1 credit scores; individual rates may differ based on application and credit criteria. |
Visa® Share-Secured
Secured by shares at Upward CU as collateral. Credit limit determined by amount pledged up to $1,500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Fixed APR for purchases. Rate displayed is for level 1 credit scores; individual rates may differ based on application and credit criteria. |
Visa® U Classic
Designed especially for members who are 21 to 24. A co-signer may be required based on age and income verification. Credit history not required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Fixed APR for purchases. Rate displayed is for level 1 credit scores; individual rates may differ based on application and credit criteria. |
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.