# USF Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/usf-federal-credit-union
Institution: Usf Federal Credit Union (NCUA 24223)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:32.000Z (October 22, 2026)
Official source: https://www.usfcu.com/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | promotional | 4 months | $500 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Jumbo Share Certificate | promotional | 7 months | $100,000 | 4.15% | Not ZIP-priced | −0.28% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | promotional | 7 months | $500 | 4.05% | Not ZIP-priced | −0.38% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Jumbo Share Certificate | promotional | 13 months | $100,000 | 4.15% | Not ZIP-priced | −0.45% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | promotional | 13 months | $500 | 4.05% | Not ZIP-priced | −0.55% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 18 months | $500 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Jumbo Share Certificate | promotional | 19 months | $100,000 | 4.15% | Not ZIP-priced | −0.59% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | promotional | 19 months | $500 | 4.05% | Not ZIP-priced | −0.69% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 24 months | $500 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Jumbo Share Certificate | promotional | 25 months | $100,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | promotional | 25 months | $500 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |
| Share Certificate | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T02:11:32.000Z | [Snapshot 887](https://apyledger.com/snapshots/887) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.