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Rates

Home < Rates < Deposit Rates

Rates

At USF Federal Credit Union, our bottom line is benefiting our members. Unlike banks, USF FCU is not for profit. Earnings are returned to you through lower loan rates, higher savings rates and convenient services like fee-free ATMs and Remote Check Deposit.


Deposit Rates
Loan Rates

Checking & Savings
Effective Date: Sunday, April 30th, 2017
BalanceAPRAPY*
Primary Savings1
Minimum to open: $5.00. Minimum to earn dividends: $5.00
Up to $500 1.00% 1.00%
$500.01 and over 0.15% 0.15%
Business Savings, Special Savings, Holiday Savings and IRA Savings
Minimum to open $5.00. Minimum to earn dividends: None
All balances 0.20% 0.20%
Secured Visa Savings
Minimum to open: Tied to VISA limit. Minimum to earn dividends: None
All balances 0.20% 0.20%
Checking and Business Checking
Minimum to open: $10.00. Minimum to earn dividends: None
Up to $24,999.99 0.00% 0.00%
$25,000 and over 0.25% 0.25%
1Only one Primary Savings account per member will earn the premium rate on the first $500. 

Money Market Savings & IRA Money Market Savings
Effective Date: Sunday, April 30th, 2017
Minimum to open: $1,000.00 Minimum to earn dividends: None
BalanceAPRAPY*
Up to $999.99 0.20% 0.20%
$1,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.50% 0.50%
$100,000 and over 0.50% 0.50%

Share Certificates & IRA Certificates
Effective Date: Sunday, April 30th, 2017
Minimum to open: $500.00 Minimum to earn dividends: $500.00
TermAPRAPY*
6 Month 0.50% 0.50%
12 Month 0.55% 0.55%
24 Month 1.00% 1.00%
36 Month 1.49% 1.50%
48 Month 1.74% 1.75%
60 Month 2.08% 2.10%
Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.

Promotional Share Certificates
Effective Date: Sunday, April 30th, 2017
Minimum to open: $5,000.00 Minimum to earn dividends: $5,000.00
TermAPRAPY*
Bump- Up 36 Month Certificate 1.05% 1.05%
Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.

If rates rise during the term of your certificate, a bump-up certificate allows you to increase your rate up to the currently advertised rate one time during your term.  Bumped rate applies to remaining term on certificate.  Certificate will automatically renew as a traditional 36-month certificate.  Click here to learn more.


*APY= Annual Percentage Yield. Rates, terms and conditions are subject to change. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account.

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