Business Details
Your Trusted Financial Partner in the Upper Peninsula
U.P. State Credit Union has been dedicated to serving the financial needs of Upper Peninsula residents since our founding. Our team of experienced professionals understands the unique challenges and opportunities faced by local individuals and businesses. We offer a comprehensive range of financial products including checking and savings accounts, loans, and investment options designed to meet diverse needs. Our commitment to exceptional service is reflected in our personalized approach to member relationships and our deep community involvement. With six convenient branch locations and 24/7 digital banking access, we provide the flexibility modern consumers demand.Our NCUA-insured accounts ensure member funds are protected up to federal limits. Through programs like our Christmas Club and specialized business services, we help members achieve financial stability and growth. Our mission remains focused on empowering financial dreams while maintaining the highest standards of ethical conduct and transparency. We continually invest in technology to enhance security and convenience for our members. Our local expertise combined with national standards of excellence positions us as a trusted financial partner in the region.
Services
Checking Accounts
Business Checking
Debit Cards
Certificates of Deposit
IRA Accounts
Gift Cards
Christmas Club
Money Market Savings
Auto Loans
Mortgage Loans
Highlights and features
- We offer no monthly fees on checking accounts
- Seniors receive free checks with our senior program
- 24/7 digital banking access with mobile check deposit
- Local decision-making for personalized loan approvals
- NCUA-insured accounts protect member funds up to $250,000
Associations and certifications
- NCUA
Services
Checking Accounts
Our no-fee checking accounts provide convenient financial management with optional Courtesy Pay protection. Members enjoy free checks for seniors and 24/7 digital access. Business accounts include specialized checks and merchant services.
Auto Loans
Competitive APRs start at 3.50% for new vehicles with indirect lending available at local dealerships. Pre-approval options help streamline vehicle purchases while protecting member financial interests.
Certificates of Deposit
Fixed-rate CDs with terms from 6 months to 5 years offer secure investment options. Minimum deposits range from $250 to $1,000 with quarterly compounding available to maximize returns.
IRA Accounts
Traditional, Roth, and Coverdell IRAs provide tax-advantaged savings for different life stages. Our financial specialists help members choose appropriate retirement vehicles based on individual circumstances.
Digital Banking
24/7 access includes bill pay, mobile check deposit, and account management through our secure mobile app. Members can manage loans, transfer funds, and access e-statements from any internet-connected device.
Questions
How do I become a member?
Visit any branch with ID to open a $5 share account. Membership requires living, working, or worshiping in the 906 area code.
What loan types are available?
We offer auto loans, mortgages, recreational vehicle financing, business loans, and unsecured lines of credit with competitive rates.
Are my deposits insured?
Yes, NCUA insurance protects deposits up to $250,000 through the National Credit Union Administration's federal guarantee.
Do you offer mobile banking?
Our mobile app provides check deposit, balance checks, transfers, and bill payment 24/7 from any smartphone or tablet.
What savings options exist?
Choose from standard savings, money market accounts, Christmas Club, CDs, and specialized IRA options for different financial goals.
How does overdraft protection work?
Courtesy Pay automatically covers overdrafts up to $250 with a $25 fee per item, helping prevent declined transactions during emergencies.
