Credit union · NCUA insured
Upward Credit Union Savings Rates
Top CarrotUpward Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Upward Credit Union’s savings 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
1.26%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $126
Money Market Savings
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Upward Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 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.
Money Market Savings
1.26%APY
Requires a minimum balance of $2,500. Additional deposits must be at least $100, while withdrawals require a minimum amount of $250. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 1.26% | — |
| $10,000 – $24,999 | 1.26% | $126 |
| $25,000 – $49,999 | 1.26% | — |
| $50,000 – $74,999 | 1.26% | — |
| $75,000 – $99,999 | 1.26% | — |
| $100,000 and up | 1.26% | — |
Regular Savings
0.05%APY
Membership savings account essential for maintaining membership with Upward Credit Union. Requires a minimum balance of $25 to keep active.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.05% | — |
| $1,000 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Kasasa Saver Savings
0.00%APY on $10,000
Links to Kasasa Cash or Kasasa Cash Back Checking Account. Only available in conjunction with a Kasasa Checking Account.
| Part of the balance | Rate on that part |
|---|---|
| Over $25,000 | 0.25% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Special-purpose accounts
IRA Savings
0.40%APY
Retirement savings plan offered with Traditional, Roth, or Rollover IRA options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.40% | $40 |
Holiday & Goals Savings
0.05%APY
A way to save for holidays, vacations, or big purchases. Goal Accounts can be started and accessed at any time. Holiday Account enrollment is from November 1 through June 15, and funds transfer into regular savings the first week in November.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.05% | — |
| $1,000 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Youth Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (1)
- upwardcu.org/rates · captured Oct 6, 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.