Credit union · NCUA insured
USF Credit Union
A $1.4B credit union, the 363rd largest of 4,329, headquartered in Temple Terrace, FL, with 79,919 members and 8 branches in Florida. Best rates: CDs 4.15% and savings 0.85% APY.
USF Credit Union Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#22 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USF Credit Union
USF Credit Union was founded in 1959 to serve the University of South Florida.
The financial cooperative is owned and controlled by its members and operates ten branches alongside digital banking.
- Headquarters
- 13101 Telecom Park Drive, Suite 100, Temple Terrace, FL 33637
- NCUA charter
- 24223
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the American Consumer Council (ACC) are eligible to join, and applicants can join the ACC at no cost during application.
- Employees or members of affiliated companies, associations, and organizations are eligible for membership.
Cost to join
- Opening a Primary Savings account with a minimum balance of $5 is required to join.
Branches
8 branches in Florida
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Florida
8 branches
Tampa area · 6
- Odessa Branch16032 Preserve Marketplace Blvd, Odessa, FL 33556Directions
- St. Pete200 6th Ave S, St. Petersburg, FL 33701Directions
- Fletcher Branch7037 E Fletcher Ave, Tampa, FL 33637Directions
- MC Branch4103 USF Cedar Circle, Tampa, FL 33620Directions
- New Tampa20610 Bruce B Downs Blvd., Tampa, FL 33647Directions
- TGH - Tampa General Hospital1 Tampa General Cir, Room B103B, Tampa, FL 33606Directions
Orlando area · 1
- Orlando1000 Darden Center Dr, Orlando, FL 32837Directions
North Port area · 1
- Sarasota-Clark3487 Clark Rd, Sarasota, FL 34231Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.62% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.77% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.36% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalNet worth ratio10.62%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.77%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of USF Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.