--- title: "USF Federal Credit Union Rates: Mortgage 7.60%, Personal 10.49%" description: "USF Federal Credit Union rates today: 30 year fixed mortgage 7.60% APR, personal loans from 10.49% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join USF Federal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/usf-federal-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # USF Federal Credit Union Rates: Mortgage 7.60%, Personal 10.49% ### Mortgage rates 12 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.125% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | — APR | 7.375% | — | Standard | | **30 Year Graduate Fixed Rate** 30 year fixed | — APR | 7.500% | — | Standard | | **30 Year Educator Fixed Rate** 30 year fixed | 7.602% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.625% | — | Standard | | **5/6 Adjustable Rate** 5 1 arm | — APR | 6.125% | — | Standard | | **10/6 Adjustable Rate** 10 1 arm | — APR | 6.625% | — | Standard | | **7/6 Adjustable Rate** 7 1 arm | — APR | 6.625% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.625% | — | Standard | | **5/6 Adjustable Rate** 5 1 arm | 6.919% APR | 6.125% | — | Standard | | **10/6 Adjustable Rate** 10 1 arm | 7.020% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.375% | — | Standard | USF Federal Credit Union mortgage rates as of September 25, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.000% | — | Standard | | **New or Used Auto** auto_any | — APR | 4.990% | any | Standard | | **Motorcycle Loan** motorcycle | — APR | 7.490% | — | Standard | | **Boat or RV** boat | — APR | 7.740% | — | Standard | USF Federal Credit Union auto & vehicle rates as of September 25, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 4.990% | — | Standard | | **30 Year Medical Fixed Rate** personal | — APR | 7.500% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.490% | — | Standard | | **Personal Line of Credit** ploc_variable | 10.490% APR | 10.490% | — | Standard | USF Federal Credit Union personal loan rates as of September 25, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.490% | — | Standard | USF Federal Credit Union credit card rates as of September 25, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 0.40% | — | Standard | | **Featured Certificate** share_certificate | — APY | 3.00% | — | Standard | | **Money Market** money_market | — APY | 4.15% | — | Standard | | **Certificate** cd | — APY | 6.50% | — | Standard | USF Federal Credit Union savings & cd rates as of September 25, 2026 As of September 25, 2026, USF Federal Credit Union offers a 30-year fixed mortgage at 7.602% APR. Personal loan rates from 10.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/usf-federal-credit-union) , verified from [USF Federal Credit Union's official website](https://www.usfcu.com/) Best product position **Room to improve vs. the Florida median** 30-year fixed mortgage Gap to state best **110 bp** 110 bp from state best Vs. state median **38 bp behind median** 30-year fixed mortgage Products ranked **2** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.60% | Room to improve vs. the Florida median | 110 bp from state best | 38 bp behind median | | personal loan | 10.49% | Room to improve vs. the Florida median | 750 bp from state best | 50 bp behind median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim USF Federal Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=usf-federal-credit-union&state=florida&code=FL&name=USF%20Federal%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**GTE** Temple Terrace · Temple Terrace · FL · 33617 About 2.0 miles away](https://rateapi.dev/credit-unions/florida/gte) [**Trax** Temple Terrace · Temple Terrace · FL · 33617 About 2.1 miles away](https://rateapi.dev/credit-unions/florida/trax) [**Grow Financial** Busch Boulevard Branch · Temple Terrace · FL · 33617-5404 About 2.3 miles away](https://rateapi.dev/credit-unions/florida/grow-financial) [**Lake Michigan** Temple Terrace · Tampa · FL · 33617 About 2.3 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Midflorida** 2224 - Temple Terrace · Tampa · FL · 33617 About 2.5 miles away](https://rateapi.dev/credit-unions/florida/midflorida) [**Together** Tampa · Tampa · FL · 33612-8737 About 3.8 miles away](https://rateapi.dev/credit-unions/missouri/together) 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](https://rateapi.dev/eligibility-methodology) . **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. - Employer Achieve 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 - Association American 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](https://www.usfcu.com/membership) . Final membership determination is always made by the credit union. ## Work at USF Federal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where USF Federal Credit Union ranks against Florida peers. - See which AI assistants fetched USF Federal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=usf-federal-credit-union&state=florida&code=FL&name=USF%20Federal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does USF Federal Credit Union offer? USF Federal Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified September 25, 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 September 25, 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 September 25, 2026, USF Federal Credit Union offers a 30-year fixed mortgage at 7.602% APR. ### What is USF Federal Credit Union's personal loan rate? As of September 25, 2026, USF Federal Credit Union offers personal loans from 10.49% APR. ### Who can join USF Federal Credit Union? Anyone can join USF Federal Credit Union — there is no employer, location, or affiliation requirement. ## Related Rate Data Compare USF Federal Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.usfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track USF Federal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # 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" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## USF Federal Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/usf-federal-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp