USF Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, USF Federal Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 7-month promotional CD ($100,000 minimum). That is 3.0 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.75% to 3.00% APY.
Tracking began .
With $10,000 and no relationship requirement: 4.05% on 7 months
USF Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months and 4- to 25-month specials, including jumbo specials; specials renew into regular terms. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Share Certificate | $500 | 2.75% | −1.54% | Top 55% of tracked 3-month CDs · Verified October 22, 2026 |
| 4 months | Share Certificate Promotional | $500 | 3.50% | −0.89% | Verified October 22, 2026 |
| 6 months | Share Certificate | $500 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Jumbo Share Certificate Promotional | $100,000 | 4.15% | −0.28% | Verified October 22, 2026 |
| 7 months | Share Certificate Promotional | $500 | 4.05% | −0.38% | Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 3.00% | −1.57% | Top 72% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Jumbo Share Certificate Promotional | $100,000 | 4.15% | −0.45% | Verified October 22, 2026 |
| 13 months | Share Certificate Promotional | $500 | 4.05% | −0.55% | Verified October 22, 2026 |
| 18 months | Share Certificate | $500 | 3.00% | −1.72% | Top 67% of tracked 18-month CDs · Verified October 22, 2026 |
| 19 months | Jumbo Share Certificate Promotional | $100,000 | 4.15% | −0.59% | Verified October 22, 2026 |
| 19 months | Share Certificate Promotional | $500 | 4.05% | −0.69% | Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 3.00% | −1.87% | Top 63% of tracked 24-month CDs · Verified October 22, 2026 |
| 25 months | Jumbo Share Certificate Promotional | $100,000 | 4.15% | −0.72% | Verified October 22, 2026 |
| 25 months | Share Certificate Promotional | $500 | 4.05% | −0.82% | Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 3.00% | −1.95% | Top 60% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $500 | 3.00% | −1.98% | Top 56% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $500 | 3.00% | −2.01% | Top 61% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.15% APY (7 months). The standard rate for a similar term is 3.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $115 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are USF Federal Credit Union's best CD rates by term?
USF Federal Credit Union's best rate is 4.15% APY on 7 months, verified October 22, 2026.
- 3 mo2.75%
- 4 mo3.50%
- 6 mo3.00%
- 7 mo4.15%
- 12 mo3.00%
- 13 mo4.15%
- 18 mo3.00%
- 19 mo4.15%
- 24 mo3.00%
- 25 mo4.15%
- 36 mo3.00%
- 48 mo3.00%
- 60 mo3.00%
How much interest could a USF Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$234.39 interest · $10,234.39 at maturity on $10,000.00.
4.05% APY · 7 months · Share Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $33.932.75% APY · Share Certificate · Standard | $67.872.75% APY · Share Certificate · Standard | $169.662.75% APY · Share Certificate · Standard | $339.332.75% APY · Share Certificate · Standard |
| 4 months | $57.823.50% APY · Share Certificate · Promotional | $115.653.50% APY · Share Certificate · Promotional | $289.123.50% APY · Share Certificate · Promotional | $578.253.50% APY · Share Certificate · Promotional |
| 6 months | $74.653.00% APY · Share Certificate · Standard | $149.303.00% APY · Share Certificate · Standard | $373.263.00% APY · Share Certificate · Standard | $746.513.00% APY · Share Certificate · Standard |
| 7 months | $117.194.05% APY · Share Certificate · Promotional | $234.394.05% APY · Share Certificate · Promotional | $585.974.05% APY · Share Certificate · Promotional | $1,171.934.05% APY · Share Certificate · Promotional |
| 12 months | $150.003.00% APY · Share Certificate · Standard | $300.003.00% APY · Share Certificate · Standard | $750.003.00% APY · Share Certificate · Standard | $1,500.003.00% APY · Share Certificate · Standard |
| 13 months | $219.504.05% APY · Share Certificate · Promotional | $439.014.05% APY · Share Certificate · Promotional | $1,097.524.05% APY · Share Certificate · Promotional | $2,195.044.05% APY · Share Certificate · Promotional |
| 18 months | $226.893.00% APY · Share Certificate · Standard | $453.783.00% APY · Share Certificate · Standard | $1,134.453.00% APY · Share Certificate · Standard | $2,268.913.00% APY · Share Certificate · Standard |
| 19 months | $324.444.05% APY · Share Certificate · Promotional | $648.884.05% APY · Share Certificate · Promotional | $1,622.204.05% APY · Share Certificate · Promotional | $3,244.404.05% APY · Share Certificate · Promotional |
| 24 months | $304.503.00% APY · Share Certificate · Standard | $609.003.00% APY · Share Certificate · Standard | $1,522.503.00% APY · Share Certificate · Standard | $3,045.003.00% APY · Share Certificate · Standard |
| 25 months | $430.894.05% APY · Share Certificate · Promotional | $861.794.05% APY · Share Certificate · Promotional | $2,154.474.05% APY · Share Certificate · Promotional | $4,308.944.05% APY · Share Certificate · Promotional |
| 36 months | $463.643.00% APY · Share Certificate · Standard | $927.273.00% APY · Share Certificate · Standard | $2,318.173.00% APY · Share Certificate · Standard | $4,636.353.00% APY · Share Certificate · Standard |
| 48 months | $627.543.00% APY · Share Certificate · Standard | $1,255.093.00% APY · Share Certificate · Standard | $3,137.723.00% APY · Share Certificate · Standard | $6,275.443.00% APY · Share Certificate · Standard |
| 60 months | $796.373.00% APY · Share Certificate · Standard | $1,592.743.00% APY · Share Certificate · Standard | $3,981.853.00% APY · Share Certificate · Standard | $7,963.703.00% APY · Share Certificate · Standard |
How USF Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 14 of 88 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| USF Federal Credit Union (this institution)Jumbo Share Certificate · Promotional | 7 months | $100,000 | Membership required · branches in FL | 4.15% | October 22, 2026 |
| Busey Bank7 Month CD w/checking · Relationship | 7 months | $1,000 | Branches in 10 states | 4.00% | October 22, 2026 |
| Florida Credit Union7 month CD & IRA CD Special · Promotional | 7 months | $1,000 | Membership required · branches in FL | 4.00% | October 22, 2026 |
| Fifth Third Bank7 Month CD Promo · Promotional | 7 months | $5,000 | Tampa, FL · ZIP 33602 | 3.90% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Branches in MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking USF Federal Credit Union on October 22, 2026.
About USF Federal Credit Union
- Legal name
- Usf Federal Credit Union
- Regulator ID
- NCUA 24223
- Headquarters
- Tampa, FL
- Available in
- FL
- Total assets
- $1.4 billion
- Also known as
- Website
- www.usffcu.com
Source: rates read from https://www.usfcu.com/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at USF Federal Credit Union?
Among the rates we track, 4.15% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a USF Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does USF Federal Credit Union's best CD rate compare with Treasury yields?
4.15% APY is −0.28% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are USF Federal Credit Union CDs insured?
USF Federal Credit Union is a federally insured credit union (NCUA 24223). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at USF Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check USF Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from USF Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with USF Federal Credit Union before opening an account. This page is not financial advice.