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 392nd largest credit union in the nation. It was established in 1985 and as of September of 2022, it had grown to 179 employees and 72,369 members at 9 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)
See current membership details

Reviews (3)

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.

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 - YTD0.66%
Return on Equity - YTD7.54%
Annual Interest Income$27.4MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$1.11B$955.2MM
LoansQ3 2022vs Q3 2021$945.2MM$797.0MM
DepositsQ3 2022vs Q3 2021$918.5MM$839.8MM
Equity CapitalQ3 2022vs Q3 2021$94.7MM$87.2MM
Loan Loss AllowanceQ3 2022vs Q3 2021$6.8MM$7.1MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$3.6MM$2.5MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for USF Federal Credit Union are currently being reviewed.


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
Corporate Office13302 USF Palm DrTampa, FL 33612
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
Branch Office1300 Bruce B Downs BlvdTampa, FL 33612

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.