Upward Credit Union
Easy SF / San Mateo / Santa Clara live/work/school
Insurance note: Primary insurance is NCUA / NCUSIF. Upward also publishes Excess Share Insurance through ASI as complimentary additional coverage — this is not an ASI-only institution (unlike SF Fire or South Bay LA). Still confirm current coverage on upwardcu.org.
Who can join
Live/work/school in San Francisco, San Mateo, or Santa Clara County
How hard
Easy
Fees / share
$25 to fund membership / savings
ATM notes
Not named on eligibility page reviewed
- Official name
- Upward Credit Union
- Charter / type
- Federally insured by NCUSIF / NCUA (published). Also publishes $250,000 Excess Share Insurance through American Share Insurance as an added perk — primary coverage remains NCUA. Confirm via NCUA locator.
- Field of membership (summary)
- Eligible if you live, work, or attend school in San Francisco, San Mateo, or Santa Clara counties; or retired from a business organization in those counties; or are a family member of a current Upward member.
- Join steps (as published)
- Confirm eligibility → gather physical U.S. address, phone/email, DOB, SSN/ITIN, unexpired government photo ID → fund membership/account with $25 (cash, check, or external account) → open via Upward’s published options.
- Fees (only if published)
- Ability to fund account/membership with $25 (published on eligibility page). Other fees: not transcribed from fee schedule this pass — confirm on upwardcu.org.
- ATM / network notes
- ATM network not named on eligibility-benefits page reviewed — confirm on Upward site.
- Branches serving Bay Area
- HQ published: 1860 El Camino Real, Suite 100, Burlingame, CA 94010. Use upwardcu.org locations for current branches.
- Caveats
- Three-county path — does not claim East Bay / North Bay counties on pages reviewed. Worship not listed on the eligibility bullets reviewed (live/work/school only).
- Join difficulty rationale
- Easy — published SF / San Mateo / Santa Clara live/work/school path with $25 funding requirement.
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.