USF FEDERAL CREDIT UNION is an NCUA-insured credit union located in Tampa, FL. New auto loan rates from 5.00% APR. Google rating: 4.8 out of 5 from 351 reviews.

Usf Federal Credit Union

PO Box 47989, Tampa, FL 33646

NCUA Insured4.8 (351 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1985

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1985

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 47989

Tampa, FL 33646

Google Maps 🗺Waze

(813) 569-2000

Service Area

This credit union is located in Tampa and serves members in the FL area. Currently serving 79,919 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.00%

Used Auto Loan

5.00%

Personal Loan

10.00%

Credit Card APR

12.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q1 2026).

Mccoy— New Auto Loan

Orlando, FL

1.99%

Broward Healthcare— Used Auto Loan

Fort Lauderdale, FL

1.99%

Mccoy— Personal Loan

Orlando, FL

7.99%

Eglin— Credit Card APR

Fort Walton Bea, FL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Compare Rates in Tampa

See how USF FEDERAL CREDIT UNION stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Tampa →Best Personal Loan Rates in Tampa →Best Credit Card Rates in Tampa →All Credit Unions in Tampa →

Member Reviews

4.8

351 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Maria Silva

5 months ago

It was so wonderful my experience at the USF New Tampa branch. Ernestine was extremely patient to help me out with what I needed. I’m very happy and if I could give her one thousand stars I would. Thank you so much for the amazing job, looking forward to see Ernestine again or any of her friends!

Chad Caldwell

3 months ago

Suzy was very helpful and explaining the process of opening a new account. Although they was secure all their information I need to do online banking. She was fantastic

Jasimine Preston

6 months ago

I had a great experience working with Breanna P! She helped me set up my account online and made the entire process simple and stress-free. What really stood out was her consistent follow-up — she checked in to make sure everything was completed successfully and that I could access my online account without any issues. Breanna’s professionalism and friendly attitude made the process even better. I truly appreciate the excellent customer service!

David Perez

6 months ago

Suzy is very pleasant, very professional, very thorough with detailed instructions of any doubts a customer may have about certain banking services. Defenitely solved my issue. Excellent example to follow for future tellers. Overall great experience. If your thinking about opening an account here at USF Federal Credit Union you won't have any regrets.

Lori Pettit

7 months ago

Breanna, Suzy, and Ernestine always greet me with a smile and warm hello. The customer service at this branch is amazing! And they often have candy to share with members. Great rates on products as well!