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    Credit union mortgage rates
    Home state: Florida
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    Lends in 1 state

    USF FEDERAL CREDIT UNION mortgage rates

    USF FEDERAL CREDIT UNION's lowest publicly advertised 30-year fixed rate today is 6.841% APR — the national average is 7.147%. That's about $29,586 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read USF FEDERAL CREDIT UNION's rates every weekday, starting around 11 a.m. Central.

    We last read USF FEDERAL CREDIT UNION's rates page on Nov 2, 2026. USF FEDERAL CREDIT UNION dates its published rate sheet Nov 2, 2026.

    Today's rates from USF FEDERAL CREDIT UNION

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.841%0Nov 2, 2026Visit
    20 Year Fixed6.625%6.743%0Nov 2, 2026Visit
    15 Year Fixed6.25%6.391%0Nov 2, 2026Visit
    10 Year Fixed5.875%6.065%0Nov 2, 2026Visit
    5 Year ARM5.875%6.855%0Nov 2, 2026Visit
    7 Year ARM6%6.744%0Nov 2, 2026Visit
    10 Year ARM6.125%6.63%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7%7.095%0Nov 2, 2026Visit
    Visit USF FEDERAL CREDIT UNION's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join USF FEDERAL CREDIT UNION

    Anyone in the U.S. can join USF Federal Credit Union by becoming a member of the American Consumer Council for free during the enrollment process. Membership is also open to employees and members of numerous affiliated organizations, businesses, and government agencies in Florida.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    University of South Florida (students, alumni, faculty, staff), USF Health, USF Preschool for Creative Learning, USF - Tampa General Physicians, Tampa General Hospital, Moffitt Cancer Center, HCA Florida hospitals, Johns Hopkins All Children's Hospital, AdventHealth locations, Sarasota Memorial Hospital, City of Temple Terrace, Manatee County Government…
    Association / SEG
    American Consumer Council, USF Alumni Association
    Family of a member
    immediate family of USF CU members

    Where USF FEDERAL CREDIT UNION writes mortgages

    USF FEDERAL CREDIT UNION publishes mortgage lending in 1 state.

    Florida

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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