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USF Rewards Visa®
USF Rewards Visa®
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The USF Rewards Visa® is a straightforward credit union rewards card with a surprising aptitude for travel – specifically, airfare bookings. An unremarkable 1X bonus rate is made up for with a moderate signup bonus and a below-average APR range.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1X point per dollar
- No balance transfer fee
- No annual fee
- Digital wallet compatible
- Choose from 3 card designs
- Regular Purchase APR: 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.49% 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
- You're a USF student, alumni, or faculty member
- You will spend at least $1,500 within the first 90 days
- You want rewards in the form of airfare
- You want a long-term balance transfer card
Green & Gold Visa®
Green & Gold Visa®
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Green & Gold Visa® is the lowest APR credit card offered by the USF Federal Credit Union. Cardholders can enjoy a reduced APR for 12 months along with no annual fee or balance transfer fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- USF FCU's lowest APR credit card
- No balance transfer fee
- No annual fee
- Digital wallet compatible
- Regular Purchase APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.99% for 12 months from account opening date
- Balance Transfer APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.49% 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
- You value paying as little interest as possible over earning rewards on purchases
- You have recently graduated and need help affording student loan payments, specifically private or unsubsidized ones
- You already have an existing balance you would like to transfer and will do so within 90 days of opening the card
- You want the security of having a low APR after the introductory offer ends
USF Secured Visa®
USF Secured Visa®
- 14.24% variable based on the Prime Rate Regular Purchase APR
- 14.24% variable based on the Prime Rate Balance Transfer APR
- 14.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The USF Secured Visa® gives those with bad credit (or no credit) the financial freedom of a full-fledged credit card. Cardholders can enjoy a low, fixed-rate APR for purchases, balance transfers, and cash advances for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Digital-wallet compatible
- No penalty APR
- Travel and accident Insurance
- Travel and emergency assistance
- Auto rental insurance
- Regular Purchase APR: 14.24% variable based on the Prime Rate
- Balance Transfer APR: 14.24% variable based on the Prime Rate
- Cash Advance APR: 14.24% 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
- You have bad credit but want a large credit limit (potentially over $10,000)
- You're unable to qualify for balance transfers due to your credit score
- You may need to carry a balance
- You need a card that’s understanding of an inconsistent financial situation
- You want a card with no annual fee
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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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