USF Federal Credit Union
Verified rate book
Current USF Federal Credit Union rates
24 published offers verified as of August 4, 2026.
Mortgage rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.375% APR | 6.375% | — | Standard |
| Jumbo 30-Year Fixed30 year fixed | 6.625% APR | 6.625% | — | Standard |
| 30 Year Graduate Fixed Rate30 year fixed | 6.875% APR | 6.875% | — | Standard |
| 15-Year Fixed15 year fixed | 5.875% APR | 5.875% | — | Standard |
| 10-Year Fixed10 year fixed | 5.750% APR | 5.750% | — | Standard |
| 5/6 Adjustable Rate5 1 arm | 6.125% APR | 6.125% | — | Standard |
| 7/6 Adjustable Rate7 1 arm | 6.375% APR | 6.375% | — | Standard |
| 20-Year Fixed20 year fixed | 6.375% APR | 6.375% | — | Standard |
| 10/6 Adjustable Rate10 1 arm | 6.500% APR | 6.500% | — | Standard |
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.000% APR | 4.000% | — | Standard |
| New or Used Autoauto_any | 4.990% APR | 4.990% | any | Standard |
| Motorcycle Loanmotorcycle | 7.490% APR | 7.490% | — | Standard |
| Boat or RVboat | 7.740% APR | 7.740% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 4.990% APR | 4.990% | — | Standard |
| 30 Year Medical Fixed Ratepersonal | 6.875% APR | 6.875% | — | Standard |
| Personal Line of Creditploc_variable | 10.490% APR | 10.490% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 10.490% APR | 10.490% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 10.490% APR | 10.490% | — | Standard |
Savings & CD rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Checkingsavings | 0.35% APY | 0.35% | — | Standard |
| Money Marketmoney_market | 0.40% APY | 0.40% | — | Standard |
| Featured Certificateshare_certificate | 3.00% APY | 3.00% | — | Standard |
| Money Marketmoney_market | 4.15% APY | 4.15% | — | Standard |
| Certificatecd | 6.75% APY | 6.75% | — | Standard |
As of August 4, 2026, USF Federal Credit Union offers a 30-year fixed mortgage at 6.375% APR. Vehicle loans available from 4% APR. HELOC rates from 6.75% APR. Personal loan rates from 4.99% APR. Credit card rates from 10.49% APR. Savings and certificate yields up to 6.75% APY.
Source: RateAPI.dev, verified from USF Federal Credit Union's official website
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About USF Federal Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 79.9K
- Assets
- $1.4B
- Founded
- 1985
- Locations reported
- 11
- NCUA charter
- 24223
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join USF Federal Credit Union
Membership eligibility from USF Federal Credit Union's own published criteria. How we verify this.
Open to anyone. Anyone can become a member — no employer, location, or affiliation requirement.
- EmployerAchieve Behavior Partners, AdventHealth Carrollwood, AdventHealth Tampa, AdventHealth University, AdventHealth Wesley Chapel, Ambulatory Surgery Center, Aramark, Berry Plastics, Bisk, BlueGrace Logistics, Byrd Alzheimer's Center and Research Institute, Chris Craft Boats, City of Temple Terrace, ConnectWise, Encompass Health, Embassy Suites Hotel, Family Healthcare Foundation, Fish & Wildlife Institute, Florida Custom Mold, Florida Medical Clinic Orlando Health, Florida Medical Clinic Orlando Health Wiregrass Ranch Hospital, Florida Orthopaedic Institute, GHD - Tampa, Ginger Health, Global Safety Management, HCA Florida Blake Hospital, HCA Florida Brandon Hospital, HCA Florida Largo Hospital, HCA Florida Northside Hospital, HCA Florida Pasadena Hospital, HCA Florida Sarasota Doctors Hospital, HCA Florida South Shore Hospital, HCA Florida South Tampa Hospital, HCA Florida Trinity Hospital, HCA Florida West Tampa Hospital, Home Helpers Home Care of Sarasota, Hope and Help Center of Central Florida, James A. Haley Veterans’ Hospital, Johns Hopkins All Children's Hospital, Kforce, Inc., LECOM, Manatee County Government Employees, Moffitt Cancer Center, Museum of Science & Industry (MOSI), New College of Florida, Northside Behavioral Health Center, OnMed, Orlando Ballet, Pasco Kids First, Patel Charter School, Pinellas County Government Employees, Pizzo Elementary School, Premier Community Healthcare, Pro-Copy, Inc., Red Lobster, Sarasota County Government Employees, Sarasota Memorial Hospital, Senior Friendship Centers, Shriners Hospital for Children, Southern Medical Sales, St. Petersburg College, Sun Hydraulics, Tampa Family Health Centers, Tampa General Hospital, TGH Imaging powered by Tower, TGH Urgent Care powered by Fast Track, United States Postal Service, University Diagnostic Institute, University of South Florida – Tampa General Physicians, USF Health, USF Preschool for Creative Learning, Waste Management, Waste Pro
- AssociationAmerican Cancer Society, American College of Healthcare Executives (ACHE) – West Florida Chapter, American Consumer Council, Hillsborough County Medical Association, Resident Association of Unisen Senior Living, SWAT Networking
Cost to join: About $5 (a $0 membership fee plus a $5 minimum deposit).
Verified from USF Federal Credit Union's membership page. Final membership determination is always made by the credit union.
Work at USF Federal Credit Union?
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Frequently Asked Questions
What rates does USF Federal Credit Union offer?
USF Federal Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are USF Federal Credit Union rates updated?
RateAPI verifies USF Federal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get USF Federal Credit Union's rate data?
Rate data is collected directly from USF Federal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is USF Federal Credit Union's mortgage rate?
As of August 4, 2026, USF Federal Credit Union offers a 30-year fixed mortgage at 6.375% APR.
What are USF Federal Credit Union's auto, boat & motorcycle loan rates?
As of August 4, 2026, USF Federal Credit Union offers vehicle loans from 4% APR.
What is USF Federal Credit Union's HELOC rate?
As of August 4, 2026, USF Federal Credit Union offers home equity lines of credit from 6.75% APR.
What is USF Federal Credit Union's personal loan rate?
As of August 4, 2026, USF Federal Credit Union offers personal loans from 4.99% APR.
What is USF Federal Credit Union's best CD rate?
As of August 4, 2026, USF Federal Credit Union offers savings and certificate (CD) yields up to 6.75% APY.
Related Rate Data
Compare USF Federal Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for USF Federal Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/usf-federal-credit-union" \
-H "Authorization: Bearer YOUR_API_KEY"