This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
USF FCU Go to main content
Online Banking
Mobile Banking
Log-in Click here for full online banking site


Home < Rates < Loan 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

Effective Date: Thursday, March 23rd, 2017
Reduce your auto loan rate by 0.25% APR by enrolling in eStatements and Automatic Payments from your Credit Union account
TermMinimum Amount FinancedBase APR*
up to 36 months No Minimum 2.24% - 11.24%
up to 48 months $5,000 2.49% - 11.74%
up to 60 months $10,000 2.49% - 12.24%
up to 66 months $15,000 2.74% - 12.74%
up to 72 months $17,500 3.24% - 13.24%
up to 78 months $22,500 3.49% - 14.24%
up to 84 months $27,500 3.74% - 15.24%
*Rate may vary or increase due to age and mileage of vehicle, loan-to-value ratio or certain adverse credit factors such as bankruptcy or repossession.  Rate not to exceed 17.99%. Payment Example: $15,000 loan at 2.49% APR with 60 monthly payments of $266.14

Click here to calculate sample auto loan payments based on loan amount, term and rate.

Specialty Vehicle
Effective Date: Thursday, March 23rd, 2017
Vintage Vehicle (Collectible, Fully Restored) 4.24% - 15.24%
Motorcycle 4.24% - 17.99%
Boat 5.24% - 17.99%
RV 5.24% - 17.99%

Effective Date: Thursday, March 23rd, 2017
Personal Loan 8.99% - 17.99%
Personal Line of Credit 9.99% - 17.99%
Share Secured Personal Share Rate + 2.50%

Credit Card
Effective Date: Thursday, March 23rd, 2017
Green and Gold Visa 10.24% - 17.24%
Rewards Visa 11.24% - 17.99%
Secured Visa 9.24%
Credit Cards are variable rate based on Prime. Rate may change after account opening.


*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.

Go to main navigation