What are the current interest rates at UPS Employees Federal Credit Union?

Current rates for UPS Employees Federal Credit Union include: 12-Month CD: 3.80%, 24-Month CD: 3.85%, 60-Month CD: 4.00%, MMA: 0.75%

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UPS Employees Federal Credit Union

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UPS Employees Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UPS Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

UPS Employees Federal Credit Union's 1 Year Youth rates are at 4.06%, 5 Year CD rates are at 4.00%, 4 Year CD rates are at 3.90%, 3 Year CD rates are at 3.86%, 2 Year CD rates are at 3.85%. UPS Employees Federal Credit Union's money market rates are at 0.75%. UPS Employees Federal Credit Union's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of UPS Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.45%. Rates last updated and verified on 09/04/2026.

UPS Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UPS Employees Federal Credit Union? Share your experience about UPS Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use UPS Employees Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UPS Employees Federal Credit Union
UPS EFCU

3110 INLAND EMPIRE BLVD STE A
ONTARIO, CA 91764-6572

https://www.upscreditunion.org

UPS Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Youth	3.98%	4.06%	1 Year
Min Deposit $250 Min Balance $250 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
5 Year Certificate	3.92%	4.00%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
4 Year Certificate	3.83%	3.90%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
3 Year Certificate	3.79%	3.86%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
2 Year Certificate	3.78%	3.85%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
1 Year Certificate	3.73%	3.80%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
6 Month Certificate	3.06%	3.11%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

UPS Employees Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Variable Rate Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Vacation Club	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Variable Rate Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

UPS Employees Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.75%	0.75%
Min Deposit $500 Min Balance $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

UPS Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	4.69%	36 Months
Details As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
New and Used Auto Loans	-	-	5.25%	48 Months
Details As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
New and Used Auto Loans	-	-	5.47%	60 Months
Details As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
New and Used Auto Loans	-	-	5.79%	72 Months
Details As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
New and Used Auto Loans	-	-	6.44%	84 Months
Details As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

UPS Employees Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	10.50%
Details good payment history with other creditors, and DTI under 55% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

UPS Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	9.49%	36 Months
Details As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Signature Loans	10.24%	48 Months
Details As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Signature Loans	11.49%	60 Months
Details As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Signature Loans	12.74%	72 Months
Details As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

UPS Employees Federal Credit Union’s Texas Ratio fell from 1.02% in Q2 2023 to 0.45% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$49M	0.45%	5.0	A+
December 31, 2025	$48M	1.95%	5.0	A+
September 30, 2025	$48M	0.69%	5.0	A+
June 30, 2025	$49M	0.50%	5.0	A+
March 31, 2025	$49M	0.74%	5.0	A+
December 31, 2024	$47M	2.77%	5.0	A+
September 30, 2024	$46M	12.28%	5.0	A
June 30, 2024	$47M	2.06%	5.0	A+
March 31, 2024	$47M	12.21%	5.0	A
December 31, 2023	$46M	12.81%	5.0	A
September 30, 2023	$47M	13.71%	5.0	A
June 30, 2023	$48M	1.02%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UPS Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather UPS Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UPS Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UPS Employees Federal Credit Union

Website https://www.upscreditunion.org

Address 3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764-6572

Phone 909-948-6099

Fax 909-484-1167

President Leland Hancock

CEO KIMBERLY DIAZ

Full-Time Employees 8

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.45%

Return on Assets (ROA)

0.1282%

Return on Equity (ROE)

1.6327%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

48,924,495

Total Amount of Shares and Deposits

44,845,746

Total Shares and Deposits < 1 Year

43,298,808

Total Shares and Deposits 1 3 Years

574,367

Total Shares and Deposits > 3 Years

972,572

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,248,135

Total Uninsured Shares and Deposits > $250K (F+J)

1,248,135

Total Insured Shares and Deposits > $250K (item 17 less item K)

43,597,611

Total Interest Expense (Sum of items 6 8)

78,017

Share Certificates

245

Number of Accounts for Share Drafts

2,140

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,820

All other shares

409

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,670,954

Total Liabilities

45,083,863

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

UPS Employees Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About UPS Employees Federal Credit Union

How many branches does UPS Employees Federal Credit Union operate?

UPS Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join UPS Employees Federal Credit Union?

Yes, to access services at UPS Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, UPS Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UPS Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does UPS Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like UPS Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.upscreditunion.org.