U.p. State Credit Union

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A short history of U.p. State CU

Since its inception in 1955 the U.p. State Credit Union has been serving its members in the ESCANABA, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Raymond Theoret, the U.p. State CU has grown its membership to over 9,282 with assets of more than $74,800,339. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (906) 786-1146 or email them at upstatecu@upscu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ESCANABA, MI.

General Information For U.p. State CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 62085
Address P.O. BOX 456 
State Michigan 
Zip-Code 49829
Phone Number (906) 786-1146
Fax Number (906) 786-0269
Email Address: upstatecu@upscu.com
CEO/President Raymond Theoret
Members 9,282 
Full-Time Employees 31 
Part-Time Employees
Number of Branch Offices
Total Assets 74,800,339 
Website http://www.upscu.com 

Compare U.p. State Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Peninsula CU Main Office 301 N 30th St 49829 (906) 789-6400 No 4.68
Delta County CU Main 2600 1st Ave S 49829 (906) 786-7213 No 4.98
Great Lakes First CU Escanaba office 2110 3rd Ave N 49829 (906) 786-4623 No 5.26
Northern United CU Northern United Main 123 S Lincoln Rd 49829 (906) 786-0888 No 5.26
Integra First CU Powers Branch W3803 US Highway 2/41 49874 (906) 497-5229 No 17.12

U.p. State Credit Union Financial Performance Charts

Performance Charts

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Financial Data

U.p. State Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.50 4.40 4.90 4.50 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 201 330 312 205 100
Rank Among All Michigan Credit Unions 28 99 81 60 15

U.p. State Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.10 0.47 0.69 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 129 65 226 243
Rank Among All Michigan Credit Unions 15 16 10 51 53
U.p. State Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.5001,6593,783,773
All Other Unsecured Loans/Lines of Credit 8.0001,4875,395,324
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.4001232,281,784
Used Vehicle Loans 4.9001,80515,263,125
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.50026713,134,073
Total Other Real Estate Loans/Lines of Credit 4.0002075,975,833
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0007816,290,734
TOTAL LOANS & LEASES 6,32952,124,646

U.p. State Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 241,803,3469783,700
    b. 15 Years or less 772,343,97910668,600
    a. > 15 years 0000
    b. 15 Years or less 673,446,16000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 995,540,58819737,010


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2075,975,83318567,423
Open-End Fixed Rate 0000
TOTALS 47419,109,906562,756,733


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

U.p. State Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes