USF Federal Credit Union


Overview / Commentary
813-569-2000
13302 Usf Palm Dr
Tampa, FL 33612

USF Federal Credit Union is headquartered in Tampa and is the 26th largest credit union in the state of Florida. It is also the 448th largest credit union in the nation. It was established in 1985 and as of December of 2019, it had grown to 144 employees and 62,407 members at 6 locations. USF Federal Credit Union's savings rates are 92% higher than the national average, and it has an A 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

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Reviews (1)

USF Federal Credit Union - A Review

I've been a member of the USF Federal Credit Union for about 25 years.
I have a savings, money market and checking account with them as well as a traditional IRA share certificate.
On the whole, I feel that they offer competitive rates.
Their mobile app is how I do most of my banking with them. I like the fact that I can do a mobile deposit of a check versus having to go over to the credit union itself.
The negatives are that there are limited ATMs in which I can deposit a check in case something goes wrong with the mobile checking option.
The customer service is average at best and it appears they are short on staff.
They recently became affiliated with Darden (?) and that is when they began to decline IMO.
Overall though, I think I will stay with them instead of looking for another bank.



Health

Health Grade Components

Overall
NCUA #24223
Year Chartered1985
Employees144
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD10.76%
Annual Interest Income$27.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$709.5MM$642.8MM
LoansQ4 2019vs Q4 2018$596.5MM$545.3MM
DepositsQ4 2019vs Q4 2018$625.1MM$569.0MM
Equity CapitalQ4 2019vs Q4 2018$76.7MM$68.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$5.9MM$6.1MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.5MM$2.8MM
Real Estate OwnedQ4 2019vs Q4 2018$0$73.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$5$500Primary Savings Account
OTHER TIERS: 0.15% $500+
0.20%--Business Savings Account
0.20%--Special Savings Account
0.20%--Holiday Savings Account
0.20%--IRA Savings Account
0.20%--Secured Visa Savings

USF Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Money Market Savings Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.40%*$100k*-Money Market IRA Savings Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

USF Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25k-Dividend Checking Account
0.25%$25k-Business Checking Account

USF Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.10%$500-48 Month CD
0.95%$500-36 Month CD
0.75%$500-24 Month CD
0.70%$5k-36 Month Bump-Up CD Special
0.60%$500-12 Month CD
0.50%$500-6 Month CD

USF Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.10%$500-48 Month IRA
0.95%$500-36 Month IRA
0.75%$500-24 Month IRA
0.70%$5k-36 Month Bump-Up IRA Special
0.60%$500-12 Month IRA
0.50%$500-6 Month IRA
Locations


USF Federal Credit Union Locations
Branch Office4202 E Fowler Ave Rm 1400Tampa, FL 33620-9951
Branch Office510 3rd St S Ste 130Saint Petersburg, FL 33701
Branch Office20610 Bruce B Downs Blvd.Tampa, FL 33647-1855
Branch Office13302 Usf Palm DrTampa, FL 33612-9600
Branch Office1000 Darden Center DrOrlando, FL 32837-4032
Branch Office3487 Clark RdSarasota, FL 34231-8405

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