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Home < Bank < Share Certificates

Share Certificates

If you want your money to earn more than traditional savings, but are wary of the risks of investment, a Share Certificate might be right for you. Commit to keeping your money on deposit for a set term and we’ll pay you a higher return. The longer the term you commit to, the more we pay. Pretty simple. We shop rates all over the country to make sure we are highly competitive.

Benefits of Share Certificates

  • Invest your money for a set term and grow your savings at a guaranteed rate
  • Flexible terms — from six months to five years
  • $500 minimum to open ($5,000 minimum for Bump-Up Certificate)
  • Convenient automatic renewal system
  • Take advantage of rising rates with our 36-Month Bump-Up Share Certificate

To invest in a Certificate, open your account online, call us at 813-569-2000 or visit one of our convenient branch locations.


Open a USF Federal Credit Union Account


36 Month Bump-Up Certificate

The Bump-Up Certificate allows you to take advantage of rising rates in a volatile market. When rates change, you have the ability to increase your certificate rate to the higher rate being offered by USF FCU one time during the term of your certificate.

  • Minimum balance to open and earn dividends is $5,000
  • 36-month term
  • One "bump up" permitted during the certificate term
  • Bumped rate applies to remainder of certificate's initial term
  • Option to make additional deposit during "bump up"
  • Automatically renews as traditional 36-month certificate
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