Credit union · NCUA insured
USF Credit Union Savings Rates
USF Credit Union’s best savings rate is 0.85% APY on $10,000, with its Traditional Money Market Savings. Rates checked October 15, 2026.
How USF Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $85
Traditional Money Market Savings
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
USF Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.65%
- QualifiedQualified0.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Money Market Savings
Up to 4.00%APY
Cannot be opened online. Account maintenance fee applies if balance falls below minimum balance requirement, if member performs over 3 withdrawals in a month, or if closed after first 12 months.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $250,000 – $500,000Money Market Plus. Minimum to open and earn dividends: $250,000. Account maintenance fee of $50 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $250. · $250,000 to open | 2.00% | $250,000 | — | Money Market Plus. Minimum to open and earn dividends: $250,000. Account maintenance fee of $50 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $250. |
| $500,000 – $1,000,000Money Market Premium. Minimum to open and earn dividends: $500,000. Account maintenance fee of $75 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $500. · $500,000 to open | 2.75% | $500,000 | — | Money Market Premium. Minimum to open and earn dividends: $500,000. Account maintenance fee of $75 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $500. |
| $1,000,000 – $2,000,000Money Market Premier. Minimum to open and earn dividends: $1,000,000. Account maintenance fee of $100 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $1,000. · $1,000,000 to open | 3.25% | $1,000,000 | — | Money Market Premier. Minimum to open and earn dividends: $1,000,000. Account maintenance fee of $100 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $1,000. |
| $2,000,000 and upMoney Market Platinum. Minimum to open and earn dividends: $2,000,000. Account maintenance fee of $100 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $1,000. · $2,000,000 to open | 4.00% | $2,000,000 | — | Money Market Platinum. Minimum to open and earn dividends: $2,000,000. Account maintenance fee of $100 incurred if balance falls below minimum, over 3 withdrawals/month, or account closed after 12 months. First year closure fee: $1,000. |
Traditional Money Market Savings
0.85%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum to earn dividends: none | 0.40% | — | Minimum to earn dividends: none |
| $10,000 – $25,000Minimum to earn dividends: none | 0.85% | $85 | Minimum to earn dividends: none |
| $25,000 – $50,000Minimum to earn dividends: none | 1.00% | — | Minimum to earn dividends: none |
| $50,000 – $100,000Minimum to earn dividends: none | 1.30% | — | Minimum to earn dividends: none |
| $100,000 – $250,000Minimum to earn dividends: none | 1.65% | — | Minimum to earn dividends: none |
| $250,000 and upMinimum to earn dividends: none | 2.00% | — | Minimum to earn dividends: none |
Special Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn dividends: none. Shared rate table with lines 10-13.Any balance | 0.20% | $20 | Minimum to earn dividends: none. Shared rate table with lines 10-13. |
Primary Savings
0.05%APY
Establishes credit union membership. Monthly Savings Fee of $5 applies if 25 or older, with no loan or credit card account, and monthly average balance of all accounts combined is less than $300.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum to earn dividends: $5.00. Monthly fee waived if under 25, or with loan/credit card account, or combined monthly average balance is $300 or more.$5 and up | 0.05% | $5 | Minimum to earn dividends: $5.00. Monthly fee waived if under 25, or with loan/credit card account, or combined monthly average balance is $300 or more. |
Special-purpose accounts
IRA Money Market Savings
0.85%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum to earn dividends: none | 0.40% | — | Minimum to earn dividends: none |
| $10,000 – $25,000Minimum to earn dividends: none | 0.85% | $85 | Minimum to earn dividends: none |
| $25,000 – $50,000Minimum to earn dividends: none | 1.00% | — | Minimum to earn dividends: none |
| $50,000 – $100,000Minimum to earn dividends: none | 1.30% | — | Minimum to earn dividends: none |
| $100,000 – $250,000Minimum to earn dividends: none | 1.65% | — | Minimum to earn dividends: none |
| $250,000 and upMinimum to earn dividends: none | 2.00% | — | Minimum to earn dividends: none |
Holiday Savings
0.20%APY
Funds are automatically transferred into Primary Savings account on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn dividends: none. Shared rate table with lines 10-13.Any balance | 0.20% | $20 | Minimum to earn dividends: none. Shared rate table with lines 10-13. |
IRA Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn dividends: none. Shared rate table with lines 10-13.Any balance | 0.20% | $20 | Minimum to earn dividends: none. Shared rate table with lines 10-13. |
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.