|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 USF Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
USF Federal Credit Union's checking rates are as high as 0.35%. USF Federal Credit Union's Mortgage Loans - 10 Year Fixed Rate rates are at 6.00%, Mortgage Loans - 15 Year Fixed Rate rates are at 6.38%, Mortgage Loans - 7/6 Adjustable Rate rates are at 6.25%, Mortgage Loans - 10/6 Adjustable Rate rates are at 6.50%, Mortgage Loans - 5/6 Adjustable Rate rates are at 6.00%. USF Federal Credit Union's Personal Loan Rates are as low as 10.49%. USF Federal Credit Union's Credit Card Rates are at 11.99%. MonitorBankRates evaluates the financial stability of USF Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.76%. Rates last updated and verified on 10/29/2026. USF Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USF Federal Credit Union? Share your experience about USF Federal Credit Union by leaving a review below, or read customer reviews before you decide to use USF Federal Credit Union. USF Federal Credit Union
Oakview 13101 Telecom Park Drive, Suite 100
https://www.usffcu.com Temple Terrace, FL 33637  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. USF Federal Credit Union Checking Rates
USF Federal Credit Union Mortgage Rates
USF Federal Credit Union Home Equity & HELOC
USF Federal Credit Union Auto Loan Rates
USF Federal Credit Union Credit Card Rates
USF Federal Credit Union Personal Loan Rates
USF Federal Credit Union Other Rates
Financial Health HistoryUSF Federal Credit Union’s Texas Ratio stayed near 5.61% in Q3 2023 to 5.76% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for USF Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather USF Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with USF Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
USF Federal Credit Union
Website
https://www.usffcu.com
Address
13101 Telecom Park Drive, Suite 100,
Temple Terrace, FL 33637
Phone
813-569-2000
Fax
President
Richard Will
CEO
Richard Skaggs
Full-Time Employees
213
Part-Time Employees
3
Branch Locations
10
ATM Locations
9
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.76%
Return on Assets (ROA)
0.1804%
Return on Equity (ROE)
1.6984%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
1,404,267,280
Total Amount of Shares and Deposits
1,188,698,703
Total Shares and Deposits < 1 Year
904,620,336
Total Shares and Deposits 1 3 Years
160,445,809
Total Shares and Deposits > 3 Years
123,632,557
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
127,116,060
Total Uninsured Shares and Deposits > $250K (F+J)
127,116,060
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,061,582,643
Total Interest Expense (Sum of items 6 8)
13,657,954
Share Certificates
6,113
Number of Accounts for Share Drafts
41,147
IRA KEOGH Accounts
2,019
Number of Accounts for Regular Shares
88,661
Non Member Deposits
47
Money Market Shares
5,282
Net Income (unless the amount is already included in Undivided Earnings)
2,533,069
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
89,064,723
Total Liabilities
1,290,201,319
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for USF Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for USF Federal Credit Union
Frequently Asked Questions About USF Federal Credit UnionWhat is the highest checking rate at USF Federal Credit Union?The highest USF Federal Credit Union checking rate is its Checking at 0.35% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at USF Federal Credit Union?The lowest USF Federal Credit Union 30 year fixed mortgage rate is its Mortgage Loans - 30 Year Fixed Rate at 6.875%, verified by MonitorBankRates as of October 29, 2026. USF Federal Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.00% for a 10 year mortgage. What is the lowest auto loan rate at USF Federal Credit Union?The lowest USF Federal Credit Union auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at USF Federal Credit Union?The lowest USF Federal Credit Union personal loan rate is its Personal Loans at 10.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at USF Federal Credit Union?The lowest USF Federal Credit Union credit card APR is its Credit Cards at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does USF Federal Credit Union operate?USF Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join USF Federal Credit Union?Yes, to access services at USF Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, USF Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, USF Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does USF Federal Credit Union offer online and mobile banking?Most modern institutions like USF Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usffcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do USF Federal Credit Union rates compare?USF Federal Credit Union's top rates are its Checking at 0.35% APY, its Mortgage Loans - 10 Year Fixed Rate at 6.00%, its Personal Loans at 10.49% APR and its Credit Cards at 11.99% APR, verified by MonitorBankRates on October 29, 2026. Compare to Other Credit Unions
Loudoun Credit Union
Redwood Credit Union
Valley Federal Credit Union
Westport Federal Credit Union
United Methodist Credit Union
WNC Community Credit Union
Allied Federal Credit Union
Morning Star Federal Credit Union
Southwest Communities Federal Credit Union
CalCom Federal Credit Union
Fidelis Federal Credit Union
Metro Credit Union Springfield, MO
Fort Financial Federal Credit Union
Openland Credit Union
Savannah Postal Credit Union
Aegis Credit Union
Bronco Federal Credit Union
Ocean Financial Federal Credit Union
South Charleston Employees Federal Credit Union
Evolve Federal Credit Union
Mojave Plant Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
