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Rates

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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

Auto
Effective Date: Sunday, April 30th, 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 2.49% - 11.49%
up to 48 months $5,000 2.74% - 11.99%
up to 60 months $10,000 2.74% - 12.49%
up to 66 months $15,000 2.99% - 12.99%
up to 72 months $17,500 3.49% - 13.49%
up to 78 months $22,500 3.74% - 14.49%
up to 84 months $27,500 3.99% - 15.49%
*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: Sunday, April 30th, 2017
TypeAPR
Vintage Vehicle (Collectible, Fully Restored) 4.49% - 15.49%
Motorcycle 4.49% - 17.99%
Boat 5.49% - 17.99%
RV 5.49% - 17.99%

Personal
Effective Date: Sunday, April 30th, 2017
TypeAPR
Personal Loan 9.24% - 17.99%
Personal Line of Credit 10.24% - 17.99%
Share Secured Personal Share Rate + 2.50%

Credit Card
Effective Date: Sunday, April 30th, 2017
TypeAPR
Green and Gold Visa 10.24% - 17.24%
Rewards Visa 11.24% - 17.99%
Secured Visa 9.49%
Credit Cards are variable rate based on Prime. Rate may change after account opening.

Business Loans
TypeTermBase APR*Rate TypeLoan Fee
Vehicle and Equipment up to 60 months Prime + 0.75% Fixed $150 ($250 if over $50,000)
Real Estate up to 15 years Prime + 1.00% Variable ask for details
Unsecured Installment Loan up to 60 months Prime + 1.25% Fixed $150 ($250 if over $50,000)
Share Secured Installment up to 60 months Prime - 1.00% Fixed n/a
Unsecured Credit Line n/a Prime + 1.50% Variable Annual - $150 ($250 if over $50,000)
Share Secured Credit Line n/a Prime - 1.00% Variable n/a
Credit Card - Sole Proprietor n/a Prime + 8.00% Variable n/a
Credit Card - Business n/a Prime + 8.00% Variable $150 ($250 if over $25,000)
Credit Card - Share Secured n/a Prime + 5.74% Variable n/a

 

*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.

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