Frequently Asked Questions

Yes. Your funds are federally insured by the National Credit Union Administration (NCUA). Through our excess coverage programs, protection extends up to $15 million, giving you complete peace of mind while your money grows.

You can open your account online in under 5 minutes if funding with $5,000 or less. However, if you are transferring more than $5,000 from another financial institution, you must complete the setup in person at any USF Credit Union branch.

No. Membership at USF Credit Union is open to the public. Anyone can join and lock in these limited-time CD rates in under 5 minutes. When you visit our membership page, just choose: “None of the Above – I’d like to qualify by joining the ACC.”

• Standard CD Specials (7, 13, 19, or 25 months): Requires a $500 minimum opening deposit.
• Jumbo CD Specials: Requires a $100,000 minimum balance to maintain the premium 4.15% APY rate.

Your rate is fixed for the full term you select (7, 13, 19, or 25 months). Upon maturity, your CD Special will automatically renew into a standard, non-jumbo share certificate at the corresponding term (6, 12, 18, or 24 months) at the prevailing rate, unless you make changes during your grace period.