USF Federal Credit Union

Overview / Commentary
13302 Usf Palm Dr
Tampa, FL 33612

USF Federal Credit Union is headquartered in Tampa and is the 22nd 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 December of 2021, it had grown to 168 employees and 68,160 members at 8 locations. USF Federal Credit Union 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)
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Reviews (2)

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.

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 - YTD0.73%
Return on Equity - YTD8.09%
Annual Interest Income$32.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.03B$843.5MM
LoansQ4 2021vs Q4 2020$842.9MM$682.2MM
DepositsQ4 2021vs Q4 2020$887.8MM$734.2MM
Equity CapitalQ4 2021vs Q4 2020$89.4MM$82.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$7.2MM$7.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.2MM$3.5MM
Real Estate OwnedQ4 2021vs Q4 2020$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%--Special Savings Account
0.20%--Holiday Savings Account
0.20%--IRA Savings Account
0.05%$5-Primary Savings Account

USF Federal Credit Union Money Market Rates

0.40%*$100k*-Money Market Savings Account
OTHER TIERS: 0.10% 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: 0.10% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

USF Federal Credit Union Checking Account Rates

0.25%$25k-Dividend Checking Account
0.25%$25k-Business Checking Account

USF Federal Credit Union CD Rates

1.00%$500-60 Month CD
0.85%$500-48 Month CD
0.75%$500-36 Month CD
0.55%$500-24 Month CD
0.50%$5k-36 Month Bump-Up CD Special
0.40%$500-12 Month CD
0.30%$500-6 Month CD

USF Federal Credit Union IRA Rates

1.00%$500-60 Month IRA
0.85%$500-48 Month IRA
0.75%$500-36 Month IRA
0.55%$500-24 Month IRA
0.50%$5k-36 Month Bump-Up IRA Special
0.40%$500-12 Month IRA
0.30%$500-6 Month IRA

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
Branch Office7037 E Fletcher AveTampa, FL 33637
Branch Office16032 Preserve Marketplace BlvdOdessa, FL 33556

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