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P.O. Box 147029
Gainesville, FL 32614

Campus Usa Credit Union is headquartered in Gainesville and is the 12st largest credit union in the state of Florida. It is also the 174th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 243 employees and 72,055 members. Campus Usa Credit Union's money market rates are 48% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

CAMPUS USA Credit Union is the largest credit union in our area, serving over 65,000 residents of Alachua, Clay, Columbia, Gadsden, Jefferson, Lake, Leon, Madison, Marion, Sumter, Suwannee and Wakulla counties. If you live, work or attend school in any of these counties we hope you will choose to become a member of a financial institution you can count on. - See Details

Reviews (3)

Campus USA - Small Minds For Big Dreams!

I have been a loyal customer of Campus for about 4 years.  I have my checking and savings account with them in addition I have paid off a used car loan and a boat loan with them, have a personal line of credit and Visa credit card with them also.  My credit with them has been perfect and they have made lots of money off of me.  In the 4 years as a loyal customer, I have received 1 $50 dividend check for my share of their success.  I apply for a boat loan yesterday and they will only finance up to 50% of it???  So much for being a loyal customer.  As of tomorrow I am planning on taking my business else where.  What has become painfully obvious with Campus is, they would rather play it safe and nickle and dime you, than loan you real money.  Their moto should be "Small Minds Crushing Big Dreams".  But they will happily sit back and collect the interest off of your loans and credit cards. 


Lake City FL










Unethical Business

Campus USA Credit Union agreed to sell us property, we signed the contract and awaited a reply. The person we had to deal with was hard to get a hold of. Since we had an email from him confirming the sale we moved forward with purchasing land surveys, county permits, and blue prints to build our home. At the same time this Credit Union was establishing a contract with an auction to sell the land which he revealed in his final email. We recieved an email out of no where that they were not going to sell but aution it off. We recieved no warning that time was running out and are out the cash. The lack of communicxation costs us not only the survey and permits but also is extending our rental time as we were moving from a few counties away as we try to find other property. I will be contacting my attorney to see if there is any help.

Horrible communication and lack of integrity, I would think twice before doing business with this type of company.

Campus USA Credit Union Is Decent

I have been a member of Campus USA Credit Union for over fourteen years.  I started with them back when I worked for Shands Hospital and they had a mini-branch and an ATM in the basement of the hospital.  I used to have my pay direct deposited into that account and then I would get money out from the ATM as needed and where I couldn't do that I would write checks.  At that time, they were more local, friendly and helpful, but they were less available.  There were fewer branches back then and they were just beginning to be available outside our general region.   They weren't Campus USA Credit Union back then, they were called Campus Federal Credit Union and you had to be a Shands Employee, a UF staff member or otherwise affiliated with the University of Florida to become a member.  That is no longer true, these days, too.

Financially, they have done well and done their best to keep rates and fees low, however, if you review their fee schedule now they are quite pricey compared to other credit unions, and I no longer keep my primary banking with them.  I do retain a savings account for convenience, and I have never held a loan with them.  Their loan approval standards are quite strict and it somewhat more of a hassle to deal with them on that level, so I tend to go through my primary bank for most of my business.

However, they have great CD rates and I am considering rolling my savings account balance into one of their long term CDs.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Campus Usa Credit Union had $9.23 million in non-current loans and owned real-estate with $159.81 million in equity and loan loss allowances on hand to cover it. This gives Campus Usa Credit Union a Texas Ratio of 5.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Campus Usa Credit Union decreased slightly from 7.36% as of December 31, 2012 to 5.78% as of December 31, 2013, resulting in a positive change of 21.55%.This indicates that the balance sheet and financial strength for Campus Usa Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Campus Usa Credit Union has increased its total deposits by $30.52 million, resulting in 3.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Campus Usa Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Campus Usa Credit Union has $1.14 billion in assets with $159.81 million in equity, resulting in a capitalization level of 14.01%, which is excellent.

Institution Statistics

NCUA #68391
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$1.14 billion
Loans$781.19 million
Deposits$974.60 million
Equity Capital$153.06 million
Loan Loss Allowance$6.75 million
Unbacked Noncurrent Loans$8.53 million
Real Estate Owned$699,000
Historic Data - December 2012
Assets$1.10 billion
Equity Capital$141.47 million
Loan Loss Allowance$8.59 million
Unbacked Noncurrent Loans$8.53 million
Real Estate Owned$378,000
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets0.72%
Return on Equity5.36%
Interest Income$35.76 million
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Campus Usa Credit Union Savings Account Rates

0.30%--CAMPUS Kidz Account
0.25%$75k-Savings Account
0.25%--IRA Savings
0.10%--Vacation Club Account
0.10%--Holiday Club Account

Campus Usa Credit Union Money Market Rates

0.65%$500k-Money Market Checking

Campus Usa Credit Union CD Rates

0.70%$75k$100k3 Year CD
0.60%$75k$100k2 Year CD
0.45%$75k$100k18 Month CD
0.35%$75k$100k1 Year CD
0.30%$75k$100k182 Day CD
0.30%$75k$100k9 Month CD
0.26%$75k$100k91 Day CD

Campus Usa Credit Union has 15 locations. Click to view all Campus Usa Credit Union locations.