Look at What Your Credit Union Has To Offer!

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Savings Accounts/Money Market Accounts

A Regular Share Account represents your membership in the credit union and the minimum initial deposit is only $55.00. Our competitive dividend rates are usually higher than you'll find at any other financial institution. Add the convenience of payroll deduction and you'll find your savings grow faster in a Union Pacific California Employees FCU Share Account To Apply for Membership or Open a New Account Print out this form and mail to the Credit Union with proper Identification, along with your first deposit. We require a minimum deposit of $55.00 for New Membership. If you would like to have payroll deduction to your account Print out this form and mail to the Credit Union.

Checking Accounts
no fee with direct deposit

Benefit from low monthly service charges and no minimum balance requirements.  And, with an approved line of credit as overdraft protection, you can write checks and we will automatically transfer the money you need to cover your purchases.  Click here for more info.

ATM

Union Pacific CA Employees FCU offers ATM access to your checking and savings account at over 40,000 ATM's nationwide! Click here for more ATM information.

MasterCard/Debit Card
The MasterCard Check Card has all of the same great features of an ATM/POS card, with additional features and benefits. You can use your MasterCard Check Card anywhere MasterCard is accepted, worldwide, to pay for purchases. Although the MasterCard Check Card looks like a credit card, it works like a check. When you select "CREDIT", your purchases are automatically deducted from your UPCU checking account.

To apply, you need to print out this form and mail it to the credit union. Click on the check card image for a larger picture.

Savings Accounts/Money Market Accounts

A Regular Share Account represents your membership in the credit union and the minimum initial deposit is only $50.00

Our competitive dividend rates are usually higher than you'll find at any other financial institution.  Add the convenience of payroll deduction and you'll find your savings grow faster in a Union Pacific California Employees FCU Share Account.

Term Share/IRA Certificates pay high rates for a fixed term.  For information about our current rates, minimum deposit and terms, check our rates section.

IRAs (Individual Retirement Accounts) at your credit union are fully protected up to $100,000 by the National Credit Union Share Insurance Fund and earn you dividends while saving on your taxes.  And yes, we do offer the new enhanced ROTH and Educational IRAs!

Loans

Low, competitive rates and friendly, courteous service make your credit union the best place to go for a loan.  We've earned a good reputation with our members for personal service.  They think of us first when they need money!

Take a look at our loan page for more information on the diversity of our program.

Other Services

Deposit/Transfer Services

• Payroll Deduction for deposits to Savings and/or Checking, loan payment or other accounts.
• Direct Deposit of Social Security and other retirement checks.
• Automatic transfer between accounts.
• Direct Deposit of Payroll Checks

Youth Club Accounts

• Credit Union will deposit the first $5.00 as a special bonus.
• No minimum balance to earn dividends.
• Minimum balance is only $25.00
• Special passbooks for these special members.
• Special Term Share Certificate Program for the small saver.

Golden Club Accounts

• Special Club designed for members 55 or older.
• 1/2% discount on signature loan rates.
• Special share/draft checking account.
• Free Money Orders and Travelers Checks

And Still More Services

• "No Fee" Traveler's Checks
• Kelley Blue Book Auto Price Information
• Money Orders
• Cashiers Checks
• Costco Membership
• Discount Travel and Amusement Park Tickets