What products are available through Upgrade?

Upgrade offers access to Personal Loans and Auto Refinance Loans, Upgrade OneCard, Checking and Savings accounts as well as credit monitoring and educational tools. We partner with banks and other financial institutions who originate loans, provide deposit accounts, and other services obtained through Upgrade.

Personal loans offered through Upgrade are installment loans that range from $1,000 to $50,000. Actual rate depends on factors in your individual credit profile. Most personal loans are unsecured. In some cases, we may offer you the option of a secured personal loan to help you qualify for a loan, or to provide you a lower rate. Check your rate now to see what personal loan options may be available to you.

Auto Refinance loans can be applied for online by providing some basic car information, such as the year, make, model, and mileage. Using that information, we'll show you loan offers that you qualify for through Upgrade.

Rewards Checking Preferred accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no monthly maintenance fees and can earn cashback rewards on eligible debit card purchases. Open an account today.

Premier Savings accounts* offer a number of top tier benefits, including 3.05% APY¹ on balances of $1,000 or more, no monthly or annual account fees, secure, 24/7 access to your money, and real-time alerts and account management via our mobile app. Start saving now.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Deposits to Premier Savings are eligible for FDIC and/or NCUA deposit insurance up to $1 million or more through Cross River Bank, Member FDIC and Participating Institutions. Learn more about the Custodial Program and Participating Institutions. Cross River Bank may place some or all of the funds held in your savings account(s) into an account at one or more other Participating Institutions. Each Participating Institution is either (1) a FDIC-insured depository institution that only covers the failure of insured banks, or (2) a credit union that is eligible for insurance through the NCUA Share Insurance Fund if the credit union fails. Funds are insured up to $250,000 per ownership category and per institution. Certain conditions must be satisfied for FDIC deposit insurance coverage to apply to any funds held at a FDIC-insured depository institution. Upgrade is not a bank and is not FDIC insured. You are responsible for monitoring where your deposits are held (available in your Upgrade dashboard) to determine the extent of FDIC and/ or NCUA insurance coverage available to you.

1 This Annual Percentage Yield (APY) is effective as of October 31, 2025. The APY for the Premier Savings account is variable and may change at any time. There is no minimum balance to open your account, but you will only earn the APY on the days when the closing balance of your account is or exceeds $1,000. On days when the Premier Savings account closing balance drops below $1,000, the APY will be 0%.

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