Accounts

Whether you're managing your everyday finances, building your savings, or planning for the future, UPSEFCU offers a variety of accounts designed to help you achieve your financial goals. From Checking and Savings Accounts to Money Market Accounts, Share Certificates, IRAs, and specialty savings accounts, we provide secure, convenient, and competitive options to fit every stage of life and every financial need.

new member - open an account

Current members: Please sign in to Online Banking or the Mobile App and click "Open an Account." Your information will be automatically populated, making the process quick and convenient.

current member - open an account

Primary Share Savings

Membership begins when you open a UPSEFCU share savings account. Create a solid saving foundation through this account, and then gain access to all of our valuable products and services designed to improve your financial health.

  • Open with a $50 deposit and a one-time $5 membership fee

  • Earn dividends on balances of $200 or more

  • Dividends are calculated on your average daily balance and paid monthly

  • No monthly service fees

  • Enroll in e-Statements to avoid the $2 monthly paper statement fee

  • Gain access to all the benefits of UPSEFCU membership

Share Draft/Checking

Our simple, convenient checking account gives you 24/7 access to your funds with our UPSEFCU Visa® debit card. Open an account that is flexible and secure to your spending financial needs. Set up a direct deposit with your payroll company to access your funds the day of payday. Easily track your spending through our Online Banking and Mobile App. 

  • No minimum balance requirement

  • Set up full direct deposit and avoid the $4 monthly share draft fee

  • Access your funds with your UPSEFCU Visa® Debit Card wherever Visa® is accepted

  • Manage your account anytime through Online Banking and our Mobile App

  • Sign up for e-Statements to conveniently access your statements from your computer, smartphone, or tablet

Money Market

Take your savings to the next level with a Money Market Account from UPSEFCU. This higher-yield savings option is ideal for members who want to earn more on their deposits while maintaining convenient access to their funds.

  • Competitive rates available

  • $500 minimum deposit to open

  • Maximum deposit of $50,000

  • Enjoy the flexibility of accessing your funds while earning more than a traditional savings account

Share Certificates

Grow your savings with a Share Certificate from UPSEFCU. By locking in your funds for a fixed term, you'll earn a guaranteed rate of return while working toward your financial goals. Choose from a variety of terms ranging from 6 months to 5 years to match your savings timeline.

  • Competitive fixed rates for the entire certificate term

  • Open with a minimum deposit of $500

  • Multiple term options to fit your savings goals

  • Guaranteed dividends compounded and paid monthly to your certificate

  • 10-day grace period at maturity to make changes or withdraw funds

  • Automatically renews into the same certificate term

  • Early withdrawal penalties may apply

IRA Certificates

Take control of your retirement savings with an IRA from UPSEFCU. Whether you're planning for retirement or looking to grow your existing retirement funds, our IRA options offer competitive rates and tax-advantaged savings opportunities. For members seeking guaranteed growth, IRA Certificates are available with terms ranging from 1 to 5 years.

  • Competitive rates to help grow your retirement savings

  • Available Traditional and Roth IRA options

  • Transfer or roll over funds from another retirement account

  • No maintenance fees

  • 10-day grace period at maturity to change the certificate term

  • Automatically renews into the same certificate term

  • Consult with a tax advisor to determine which IRA option best fits your financial goal

  • Early withdrawal penalties may apply

Christmas Club

Make the holidays more enjoyable by saving throughout the year with a Christmas Club Account from UPSEFCU. Set aside funds little by little and avoid the financial stress that can come with holiday shopping, travel, and celebrations.

  • Competitive dividend rates help your savings grow

  • Deposit money into your account throughout the year

  • Funds automatically transfer to your Primary Share Savings Account on November 1

  • Prepare for holiday expenses without relying on credit cards

  • Reduce the financial stress that can follow the holiday season

  • Early withdrawal penalties may apply

Vacation Club

Turn your travel dreams into reality with a Vacation Club Account from UPSEFCU. Save throughout the year for your next getaway and enjoy your vacation knowing you've planned ahead for the expenses.

  • Competitive dividend rates help your savings grow 

  • Deposit money into your account throughout the year

  • Funds automatically transfer to your Primary Share Savings Account on July 1

  • Save for vacations without taking on unnecessary debt

  • Enjoy greater peace of mind while traveling

  • Early withdrawal penalties may apply

Youth Savings/Checking

Help your child build healthy financial habits with a Youth Savings Account from UPSEFCU. It's never too early to start saving, and as your child grows, they can take the next step in their financial journey with a Checking Account and Visa® Debit Card at age 13.

  • Encourage smart saving habits from an early age

  • Watch savings grow while teaching financial responsibility

  • Youth members age 13 and older may also be eligible for a Checking Account with a Visa® Debit Card

  • Funds can be transferred to a regular Share Savings Account when the member turns 18

  • A great tool for teaching the importance of making sound financial decisions