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Credit union · NCUA insured

USF Credit Union Credit Card Rates

USF Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How USF Credit Union’s credit card rates compare

Compared with banks and credit unions near Tampa, FL, where USF Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    USF Credit Union

    11.99%APR

    Up to
    —

    Green & Gold Visa

  • Top Carrot, Carrot Score 98

    Lowest rate

    Oxford Federal Credit Union

    6.90%APR

    Up to
    17.90% APR

    Oxford Federal Credit Union rates

  • Top Carrot, Carrot Score 90

    2nd-lowest rate

    Family First Credit Union

    8.90%APR

    Up to
    —

    Family First Credit Union rates

Compare credit card rates near you →

USF Credit Union credit card score

72

Credit card score

Higher than 32% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR11.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where USF Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
← USF Credit Union overview