About Us

Rooted in Community. Focused on You.

U.P. State Credit Union is a member-owned credit union serving Michigan’s Upper Peninsula. Since 1955, we’ve been helping our neighbors save, borrow, and plan for the future—combining modern banking tools with personal service.
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Our History

We began as a small cooperative in Escanaba with one mission: provide fair, accessible financial services. Today, we’ve grown with the U.P. while keeping the same community-first values.

Mission Statement

Delivering exceptional service, empowering financial dreams, improving our communities, and providing a unique experience one member at a time.

Why Choose Us

  • Member-owned, not-for-profit
  • Local service with personal attention
  • Modern digital banking tools
  • Community-driven approach
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Receive Local Expertise You Can Trust

We’re more than just a lender—we’re your neighbors. Many of our staff grew up here, moved back here, or stayed to raise their families. We know the trails, the water, and the roads because we ride and explore them, too. Each branch has its unique feel, but we all share the mission to help our members live the life they love in the Upper Peninsula. If you have any questions, visit one of our branches or call us to learn about your options.

Become A Member

Join U.P. State Credit Union

Membership is easy and opens the door to lower fees, competitive rates, and personalized service. As a member-owned credit union, you’re not just opening an account—you’re joining a community.

Who Can Join

  • Live, work, worship, or attend school in the U.P.
  • Immediate family of current members

      Why Join?

      • Better rates on loans and savings
      • Lower fees than traditional banks
      • Digital banking and surcharge-free ATMs
      • Local, personalized service

        How to Join

        Bring your Driver’s License or other identifying documents to 1 of our 6 branches in Norway, Escanaba, St. Ignace, Cedarville, Kincheloe or Sault Ste. Marie. Our friendly account openers will get you set up quickly. We will need your address, date of birth, and social security number to open your account. By making a $5 deposit into a Share (savings) Account, you can enjoy all the benefits of being a UPSCU member.

        Find A Branch

        Serving the 906