CAMPUS USA Credit Union

Overview / Commentary
14007 NW 1st Rd
Newberry, FL 32669

CAMPUS USA Credit Union is headquartered in Newberry and is the 7th largest credit union in the state of Florida. It is also the 140th largest credit union in the nation. It was established in 1935 and as of September of 2023, it had grown to 416 employees and 154,133 members at 20 locations. CAMPUS USA Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in CAMPUS USA Credit Union is open to those who live, work, or attend school in, and businesses/other entities located in the Florida counties of Alachua, Citrus, Clay, Columbia, Duval, Gadsden, Gilchrist, Hernando, Hillsborough, Jefferson, Lake, Leon, Levy, Madison, Marion, Nassau, Orange, Pasco, Polk, Seminole, Sumter, Suwannee, Taylor, or Wakulla. Employees of the University of Florida, UF Health, UF Institute of Food and Agricultural Sciences (IFAS), and Florida Farm Bureau Federation are eligible to join, as are current students of the University of Florida. Members of the University of Florida Alumni Association, Humane Society of Marion County, AAA South/The Auto Club Group, or the Matheson History Museum qualify for membership. Immediate family members of existing CAMPUS USA Credit Union members are eligible for membership.
See current membership details

Reviews (6)

A Great Bank

This bank is a great credit union that I would recommend to anyone. This bank has good customer service as well as convent locations in that I can find shared services nationwide. I would recommend this bank to anyone and there are no fees to their checking accounts. Even though I have moved from the main location for this bank, I will still continue to use them due to no bank fees.

Campus USA

Posted by: |

I have used Campus USA as my credit union since I was 16 years old. I have always had great experiences with customer service from setting up my account, changing account numbers and applying for loans. Customer service both on the phone and in the building has always been great. I have moved from a student account to a credit union account and have never encountered any troubles with my experiences and money control. I always feel safe.

Campus USA Credit Union Is Decent

Posted by: |

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.


This credit union is absurd, I have the same address for 4 years, did cancel a deliver r on paper statement, but I was unethicaly charged 15 USD for address change every month on the letter that I never received. Of course, I never changed my address!!
Also 35 USD for them to move money from Saving to checking or vise versa. This is the most paid job I ever known in my life.
UF student, you should use other credit union such as Bank of America.
Never Campus USA.
I also urge Shand staff to do not support this credit union.

Unethical Business

Posted by: |

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 - Small Minds For Big Dreams!

Posted by: |

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











Health Grade Components

NCUA #68391
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD10.22%
Annual Interest Income$99.7MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$3.15B$2.98B
LoansQ3 2023vs Q3 2022$2.68B$2.54B
DepositsQ3 2023vs Q3 2022$2.74B$2.56B
Equity CapitalQ3 2023vs Q3 2022$354.5MM$320.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$22.7MM$11.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$14.5MM$11.6MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

CAMPUS USA Credit Union Savings Account Rates

1.00%--CAMPUS Kids Account
1.00%--Vacation Club Account
1.00%--Holiday Club Account
0.40%--IRA Savings
0.25%*$75k*-Savings Account
OTHER TIERS: 0.10% $2k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k

CAMPUS USA Credit Union Money Market Rates

0.65%*$500k*-Money Market Checking
OTHER TIERS: 0.15% $10k - $50k | 0.25% $50k - $100k | 0.35% $100k - $200k | 0.45% $200k - $300k | 0.55% $300k - $500k

CAMPUS USA Credit Union Checking Account Rates

0.25%$25k-Capital Business Checking
0.10%$2.5k-Business Checking Plus

CAMPUS USA Credit Union CD Rates

3.82%*$25k*-5 Year CD
OTHER TIERS: 3.56% $2k - $25k
3.56%*$25k*-4 Year CD
OTHER TIERS: 3.30% $2k - $25k
3.30%*$25k*-3 Year CD
OTHER TIERS: 3.04% $2k - $25k
3.04%*$25k*-2 Year CD
OTHER TIERS: 2.78% $2k - $25k
2.78%*$25k*-18 Month CD
OTHER TIERS: 2.53% $2k - $25k
2.53%*$25k*-1 Year CD
OTHER TIERS: 2.27% $2k - $25k
2.02%*$25k*-9 Month CD
OTHER TIERS: 1.76% $2k - $25k
1.76%*$25k*-182 Day CD
OTHER TIERS: 1.51% $2k - $25k
1.51%*$25k*-91 Day CD
OTHER TIERS: 1.11% $2k - $25k


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