The USF Credit Union is a personal loan from USF Credit Union. The ongoing APR is 16.99% APR for each FlexPay payment plan. Typical credit limit: Up to 3 active FlexPay plans at a time, not exceeding an aggregate total of $2,500; eligible purchase is a debit card purchase made in the past 60 days that is at least $100. Loan terms: Repayment terms vary; once a repayment plan is selected it cannot be changed; no early payoff penalty.