Credit union · NCUA insured
USF Credit Union CD Rates
USF Credit Union’s best CD rate is 4.15% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How USF Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where USF Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USF Credit Union
4.05%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $234
Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
USF Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USF Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
4.15%APY · 4 terms
$100,000 minimum opening deposit and balance to earn stated rate. If balance falls below $100,000, rate adjusts to the standard share certificate rate with the same term. Rolls into standard non-jumbo CD at corresponding term (6, 12, 18, or 24 months) upon maturity. Funding with over $5,000 from another institution requires opening in person at a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsJumbo special; renews to 6 month regular non-jumbo certificate. If balance falls below $100,000, rate adjusts to standard share certificate rate for the same term | 4.15% | — |
| 13 monthsJumbo special; renews to 12 month regular non-jumbo certificate. If balance falls below $100,000, rate adjusts to standard share certificate rate for the same term | 4.15% | — |
| 19 monthsJumbo special; renews to 18 month regular non-jumbo certificate. If balance falls below $100,000, rate adjusts to standard share certificate rate for the same term | 4.15% | — |
| 25 monthsJumbo special; renews to 24 month regular non-jumbo certificate. If balance falls below $100,000, rate adjusts to standard share certificate rate for the same term | 4.15% | — |
Share Certificates
Up to 4.05%APY · 13 terms
Minimum opening deposit and minimum balance to earn dividends is $500. Automatically renews upon maturity. Special offers renew into regular certificates at specified terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatically renews for the same term and prevailing rate upon maturity | 2.75% | $68 |
| 4 monthsSpecial offer; renews to 3 month regular certificate upon maturity | 3.50% | $115 |
| 6 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $149 |
| 7 monthsSpecial offer; renews to 6 month regular certificate upon maturity | 4.05% | $234 |
| 12 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $300 |
| 13 monthsSpecial offer; renews to 12 month regular certificate upon maturity | 4.05% | $439 |
| 18 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $453 |
| 19 monthsSpecial offer; renews to 18 month regular certificate upon maturity | 4.05% | $649 |
| 24 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $609 |
| 25 monthsSpecial offer; renews to 24 month regular certificate upon maturity | 4.05% | $862 |
| 36 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $927 |
| 48 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $1,255 |
| 60 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $1,593 |
Special-purpose accounts
IRA Share Certificates
Up to 4.05%APY · 13 terms
Minimum opening deposit and minimum balance to earn dividends is $500. Automatically renews upon maturity. Special offers renew into regular certificates at specified terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatically renews for the same term and prevailing rate upon maturity | 2.75% | $68 |
| 4 monthsSpecial offer; renews to 3 month regular certificate upon maturity | 3.50% | $115 |
| 6 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $149 |
| 7 monthsSpecial offer; renews to 6 month regular certificate upon maturity | 4.05% | $234 |
| 12 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $300 |
| 13 monthsSpecial offer; renews to 12 month regular certificate upon maturity | 4.05% | $439 |
| 18 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $453 |
| 19 monthsSpecial offer; renews to 18 month regular certificate upon maturity | 4.05% | $649 |
| 24 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $609 |
| 25 monthsSpecial offer; renews to 24 month regular certificate upon maturity | 4.05% | $862 |
| 36 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $927 |
| 48 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $1,255 |
| 60 monthsAutomatically renews for the same term and prevailing rate upon maturity | 3.00% | $1,593 |
Who can join USF Credit Union
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.
Membership information collected October 5, 2026.