The USF Federal Credit Union All Credit Levels is a cdfi lender from USF Federal Credit Union. The annual fee is $0. The ongoing APR is 11.99 %. Rewards: USF CU offers flexible personal loans, credit cards with cash back rewards, and a unique FlexPay option for managing debit card purchases.. This product reports activity to your personal credit report. USF Federal Credit Union is a community-focused financial institution located in Temple Terrace, FL, dedicated to providing accessible banking services to its members. It serves individuals and families in Florida, offering a range of financial products designed to promote financial success. Services include: personal loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in Temple Terrace, FL. Membership required.