0% Buy/Sell Spread
Members trade precious metals at the same price—no hidden dealer markups. Keep more of what you own.
Modern Wealth,
Backed by Real Gold.
Join the United Precious Metals Association (UPMA) to access 0% buy/sell spreads, secure vaulting, and modern gold-backed spending—all in one member account.
Nonprofit membership model Insured vaulting in Utah Gold & silver accountsBenefits
Why UPMA Membership?
Secure, Insured Vaulting
Professional storage with robust security and insurance—without the hassle of storing metals at home.
Modern Spending Access
Optional card-style access tied to your holdings. Spend like modern money—backed by real metal.
IRA & GoldELOC Options
Explore metal-backed IRAs and GoldELOC credit access—put your metals to work.
Getting Started
How It Works
1
Join Free
Open your UPMA membership in minutes.
2
Fund Your Account
Add gold, silver, or cash; convert when you’re ready.
3
Save, Spend, or Lease
Hold long-term, spend from your account, or leverage advanced options.
Trust
Why Members Choose UPMA
- Member-focused nonprofit
- Utah vaulting infrastructure
- Transparent pricing
- Modern usage tools
Compare
UPMA vs. Traditional Options
| Traditional Dealer | Standard Bank | UPMA Membership | |
|---|---|---|---|
| Pricing | Retail markups | Fiat only | 0% member spread |
| Storage | At home / paid vault | FDIC, not metals | Insured vaulting |
| Liquidity | Sell back | N/A | Spend or convert |
| Retirement | Limited | 401k/IRA (fiat) | Metal-backed IRA |
| Credit Access | Pawn/loan shops | Secured credit | GoldELOC option |
FAQ
Answers at a Glance
Is membership really free?
Yes—UPMA operates as a nonprofit membership organization. You can open a member account at no cost. Certain services (e.g., IRAs, card programs) may have their own fees or eligibility requirements.
How does the 0% buy/sell spread work?
Members buy and sell metals at the same price, eliminating the usual dealer markup. This structure helps maximize member value.
Is my metal insured and secure?
Yes—vaulted holdings are stored in professional, insured facilities with robust security protocols.
Can I actually spend my metals?
Yes—members can opt into modern spending tools tied to their balances. It feels like a traditional card, but your spending power is backed by your holdings.
What are the tax or regulatory considerations?
Precious metals may have tax implications depending on your jurisdiction and use. Consult a qualified professional for guidance.
What is GoldELOC?
GoldELOC is a member program for credit access backed by metal holdings, subject to terms and eligibility. Availability may vary.