USF Federal Credit Union

USF Federal Credit Union is the official credit union of the University of South Florida employees. Browse offers below.

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USF Secured Visa®

Minimum $500 Security Deposit

USF Secured Visa®
  • Regular Purchase APR 12.24% variable based on the Prime Rate
  • Balance Transfer APR 12.24% variable based on the Prime Rate
  • Cash Advance APR 12.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Digital-wallet compatible
  • No penalty APR
  • Travel and accident Insurance
  • Travel and emergency assistance
  • Auto rental insurance
Rates & Fees
  • Regular Purchase APR: 12.24% variable based on the Prime Rate
  • Balance Transfer APR: 12.24% variable based on the Prime Rate
  • Cash Advance APR: 12.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $30
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $500
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Green & Gold Visa®

4.99% Balance Transfer Intro APR for 36 Months

Green & Gold Visa®
  • Regular Purchase APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • USF FCU's lowest APR credit card
  • No balance transfer fee
  • No annual fee
  • Digital wallet compatible
Rates & Fees
  • Regular Purchase APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 4.99% for 36 months from account opening date
  • Balance Transfer APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $30
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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USF Rewards Visa®

Choose: Triple Points or 10,000 Bonus Points for the First 90 Days

USF Rewards Visa®
  • Regular Purchase APR 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • 1X point per dollar
  • No balance transfer fee
  • No annual fee
  • Digital wallet compatible
  • Choose from 3 card designs
Rates & Fees
  • Regular Purchase APR: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $30
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

About USF Federal Credit Union

University of South Florida Federal Credit Union (also known as USF Federal Credit Union or USF FCU) is a Tampa-based credit union for employees, faculty, and students of the University of South Florida, and affiliated companies in the Tampa Bay metropolitan area.

Branch Locations

USF Federal Credit Union currently operates branches in the following locations:

  • Tampa, FL
    • 13302 USF Palm Drive (Tampa Campus)
    • 4103 USF Cedar Circle (Marshall Student Center)
    • 20610 Bruce B Downs Blvd.
  • Sarasota, FL
    • 510 3rd Street South
  • Petersburg, FL
    • 510 3rd Street South (St. Petersburg Campus)
  • Orlando, FL
    • 1000 Darden Center Drive (Darden Restaurant Support Center)

For a complete listing of branch locations, including hours, directions, contact information, and standalone ATM access, please visit USF FCU’s locations page.

Membership Eligibility

Membership in USF Federal Credit Union depends on an individual’s eligibility. The following groups and individuals are eligible to join the credit union:

  • University of South Florida staff, faculty, and students on any USF campus
  • Employees of all companies housed on the USF campus or the USF Research Park
  • Current members of the USF Alumni Association
  • Retired persons receiving a pension from USF
  • Immediate family and household members of current USF FCU members
  • Employees and retirees of the credit union
  • Employees of any USF Federal Credit Union affiliated business sin the Tampa Bay area
  • Officials and employees of the Municipal, State and Federal Government in Sarasota, Manatee, Pinellas, Desoto, Charlotte, and Lee County, FL
  • Military personnel (active or Veteran) stationed or working in Sarasota, Manatee, Pinellas, Desoto, Charlotte or Lee County, FL
  • Members of any Anabaptist congregation in Sarasota, Manatee, Pinellas, Desoto, Charlotte or Lee County, FL
  • Employees of Darden and Red Lobster (through affiliated credit unions)

Applicants will need the following to join:

  • A copy of their current government-issued ID (passport, driver’s license, ID card, etc.)
  • An initial $5 deposit to fund a primary savings account

Additional information may be required, depending on the applicant’s current standing at the university:

  • Proof of school/local address (if applicable)
  • Proof of eligibility (paystub, school ID, etc.)
  • International Students will also need to provide a J-1 Visa, F-1 Visa, or Form I-20.

FAQs About USF Federal Credit Union

Here are answers to some of the most commonly asked questions about the University of South Florida Federal Credit Union:

  • USF’s routing number is 263183159.
  • Membership is open to USF faculty, staff, students, and alumni. Membership is also open to employees of select Tampa Bay area companies and their families.
  • Credit Unions are insured through the National Credit Union Administration (NCUA) for up to $250,000 per account.

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Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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