USF Federal Credit Union

Overview / Commentary
13302 Usf Palm Dr
Tampa, FL 33612

USF Federal Credit Union is headquartered in Temple Terrace and is the 24th largest credit union in the state of Florida. It is also the 401st largest credit union in the nation. It was established in 1985 and as of March of 2024, it had grown to 199 employees and 73,359 members at 10 locations. USF Federal Credit Union's money market rates are 12X the national average, and it has a B health rating.

Field of Membership Restrictions

USF Federal Credit Union is open to students, faculty and staff of the University of South Florida, members of the USF Alumni Association, and affiliated organizations. Eligibility also extends to 1) immediate family and household members of current credit union members; 2) Municipal, State, and Federal Government employees, and veteran or active Military personnel stationed or working in Manatee, Sarasota, Desoto, Lee, Charlotte and Pinellas counties; 3) members of any Anabaptist congregation in the aforementioned Florida counties. (A complete list of affiliates and eligibility requirements are posted on the credit union's website)
See current membership details

Reviews (3)

Bank Elsewhere

I've been with USF FEDERAL CREDIT UNION for over 10 years. Needless to say, there have been a lot of changes, and not for the better. Their Mortgage department dropped the ball on me forgot to call me back when they said my application was in process. Wasted valuable time and cost me the lower interest rate I was hoping for. They pre-qualified me for over 100k less than I was approved for elsewhere. I'd be living in a shack if I went with them. Also, they don't process transactions in the order they were made in. They process them in a fashion that will give them the highest number of NSF Fees. My new bank won't charge an NSF fee if the account is brought up to the correct balance on the same day, and they will also waive a fee once a month should you miss that deadline. Not sure why I dealt with this credit union so long. Keep your money and bank elsewhere

Not Good, Overcharge

Posted by: |

I have been a member for a few years, and I am now looking for a new bank. USF FCU has over charged me convenience fees. Now I understand if the account were empty, I would understand. However, they charged me when I had over $40 left in the account. This has happened twice. The first time, the reversed the charges and they blamed a computer, ok no big deal. When it happened again, they treated me like a 5 year old, explaining I was at fault, even though they charged me a convenience fee 5 times. One charge, maybe two, ok maybe I made a mistake. Charge me 5 times, that's robbery, especially when they charged me when I had money in the account. I don't know if it's their attempt to make some money or they're owned by pirates now, but that ain't right. don't bank USF Federal Credit Union.

I Wont Recommend It

Posted by: |

I have a credit card with them. My payday is every 16, the last month I paid on the 14th, that same day they sent me an email saying that they had received my payment, to my surprise they charged me $ 27 for late payment. I wrote to them and their response was, that they take up to 3 days to make the payment and that therefore they were not going to refund the late fee. The worst company ever, I definitely don't recommend them.


Health Grade Components

NCUA #24223
Year Chartered1985
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.53%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.14B$1.14B
LoansQ1 2024vs Q1 2023$905.5MM$976.5MM
DepositsQ1 2024vs Q1 2023$950.5MM$942.4MM
Equity CapitalQ1 2024vs Q1 2023$104.9MM$99.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.5MM$6.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.8MM$4.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not USF Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USF Federal Credit Union Savings Account Rates

0.20%$5-Business Savings Account
0.20%$0-Special Savings Account
0.20%$0-Holiday Savings Account
0.20%$0-IRA Savings Account
0.05%$5-Primary Savings Account

USF Federal Credit Union Money Market Rates

5.15%$2m-Money Market Platinum
4.50%$1m-Money Market Premier
3.50%$500k$1mMoney Market Premium
2.75%$250k$500kMoney Market Plus
2.15%*$250k*-Money Market Savings Account
OTHER TIERS: 0.80% $0 - $10k | 1.10% $10k - $25k | 1.25% $25k - $50k | 1.40% $50k - $100k | 1.75% $100k - $250k
2.15%*$250k*-Money Market IRA Savings Account
OTHER TIERS: 0.80% $0 - $10k | 1.10% $10k - $25k | 1.25% $25k - $50k | 1.40% $50k - $100k | 1.75% $100k - $250k

USF Federal Credit Union Checking Account Rates

0.35%$1k$10kCatalyst Member Rewards Tier C3
0.30%$1k$10kCatalyst Member Rewards Tier C2
0.25%$1k$10kCatalyst Member Rewards Tier C1
0.20%$1k$10kNon-Catalyst Member Rewards
0.05%$25k-Dividend Checking Account
0.05%$25k-Business Checking Account

USF Federal Credit Union CD Rates

4.85%$500-6 Month CD
4.80%$500-12 Month CD
4.45%$500-24 Month CD
3.70%$500-36 Month CD
3.55%$500-48 Month CD
3.45%$500-60 Month CD

USF Federal Credit Union IRA Rates

4.85%$500-6 Month IRA
4.80%$500-12 Month IRA
4.45%$500-24 Month IRA
3.70%$500-36 Month IRA
3.55%$500-48 Month IRA
3.45%$500-60 Month IRA

Cities: Odessa, Orlando, Saint Petersburg, Sarasota, Tampa, Temple Terrace

Odessa Branches
Branch Office16032 Preserve Marketplace BlvdOdessa, FL 33556

Orlando Branches
Branch Office1000 Darden Center DrOrlando, FL 32837-4032

Saint Petersburg Branches
Branch Office510 3rd St S Ste 130Saint Petersburg, FL 33701

Sarasota Branches
Branch Office3487 Clark RdSarasota, FL 34231-8405

Tampa Branches
Branch Office4103 USF Cedar CircleTampa, FL 33620-0001
Branch Office20610 Bruce B Downs Blvd.Tampa, FL 33647-1855
Branch Office7037 E Fletcher AveTampa, FL 33637
Branch Office13000 Bruce B Downs BlvdTampa, FL 33612
Branch Office1 Tampa General Cir Room B103BTampa, FL 33606

Temple Terrace Branches
Corporate Office13101 Telecom Park Drive, Suite 100Temple Terrace, FL 33637

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