USF Federal Credit Union Sarasota FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Usf Federal Credit Union, your trusted financial partner located at 3487 Clark Rd, Sarasota, FL 34231. Since our establishment in 1985, we have dedicated ourselves to providing exceptional service and a wide range of financial products tailored to meet the unique needs of our members. With a robust membership base of 74,874, we take pride in being a vital part of the Sarasota community. At Usf Federal Credit Union, we believe that everyone deserves access to quality banking services. With total assets exceeding $1.14 billion and total deposits of $87,818,939, we are well-equipped to support our members' financial journeys. Our offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our leadership team is committed to fostering an environment of trust and reliability. Under the guidance of CEO Richard Skaggs and Board President Richard Will, we strive to empower our members through education and personalized service. We also understand the importance of accessibility; that's why we offer online and mobile banking options for your convenience. While you can visit us at our Sarasota branch for all your banking needs, official correspondence should be sent to the same address listed above. If you have any questions or need assistance, feel free to reach out at 813-569-2000. Join us today and experience the difference of being part of Usf Federal Credit Union where your financial wellbeing is our top priority! For more information about our services or to become a member, please visit usffcu.com.

Branch History & Mission

Welcome to Usf Federal Credit Union, a pillar of financial support and community service in Sarasota, FL. Established in 1985, our branch has grown and thrived for nearly four decades, helping our members achieve their financial dreams. Located at 3487 Clark Rd, we are proud to serve over 74,874 members with total assets exceeding $1.14 billion. Our growth reflects the trust and loyalty of our community. From our humble beginnings, Usf Federal Credit Union has evolved into a comprehensive financial institution dedicated to meeting the diverse needs of our members. We have consistently expanded our services, introducing personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Each milestone we reach strengthens our commitment to providing exceptional service while fostering financial literacy and responsibility within the community. Our mission is clear: we aim to empower individuals and families by offering accessible financial services that promote economic well-being. At Usf Federal Credit Union, we believe in giving back to our community. We actively engage in outreach programs and partnerships that support local initiatives, ensuring that we are not just a bank but a community ally. While members can visit us at 3487 Clark Rd, official correspondence should be sent to 3487 Clard Rd, Sarasota, FL 34231 if needed. We are accessible every day during convenient operating hours: from 9 AM to 5 PM on Mondays, Tuesdays, Thursdays; 10 AM to 5 PM on Wednesdays; and 9 AM to 6 PM on Fridays. Our drive-thru service allows for easy transactions without leaving your car, making banking even more convenient. We also embrace technology with features like online banking, mobile payments, e-statements, and more all designed with you in mind. Our ATM is available for easy cash withdrawals and balance checks whenever you need it. At Usf Federal Credit Union, we invite you to join us on this journey toward better financial health. Become a member today and experience how we can help you reach your goals while being part of a supportive community. Together, let's build a brighter future! For more information or to start your membership process today, please call us at 813-569-2000 or visit our website at usffcu.com.

Branch Location & Accessibility

Welcome to the Usf Federal Credit Union at our Sarasota-Clark branch! Conveniently located at 3487 Clark Rd in beautiful Sarasota, FL, we are here to make your banking experience as smooth as possible. Whether you're stopping by for a quick transaction or need assistance with a financial service, our friendly staff is ready to help. If you're looking for local landmarks, you'll find us near the vibrant shopping areas and parks that make Sarasota such a wonderful place to live. Our branch is easily accessible, featuring ample parking and ADA-compliant facilities to ensure everyone can visit us without hassle. We're proud to offer both ATM availability and drive-thru banking services for those who prefer on-the-go transactions. With our drive-thru open during convenient hours, you can quickly make deposits or withdrawals without leaving your car. Our lobby hours are equally accommodating: we welcome you from 9 AM to 5 PM on Monday, Tuesday, and Thursday, with extended hours until 6 PM on Fridays. On Wednesdays, we open slightly later at 10 AM but still close at 5 PM. For any official correspondence, please note that while members can visit us at our branch address, correspondence should be sent to the same address: 3487 Clark Rd, Sarasota, FL 34231. Feel free to give us a call at 813-569-2000 if you have any questions or need assistance before your visit. We look forward to seeing you soon and helping you with all your banking needs!

Member Eligibility

Joining the Usf Federal Credit Union family means becoming part of a supportive community that prioritizes your financial well-being. To become a member, you simply need to meet a few eligibility criteria. If you live, work, worship, or attend school in certain areas, or if you are related to someone who is already a member, you're likely eligible! Plus, anyone associated with the University of South Florida can also join. It's all about creating connections that matter and empowering you on your financial journey. The process to open an account is straightforward and welcoming. You can easily begin your membership online or by visiting us at our branch located at 3487 Clark Rd, Sarasota, FL 34231. For detailed eligibility requirements, check out our website at http://www.usffcu.com/membership. If you have any questions or need assistance, feel free to give us a call at 813-569-2000. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,822,411, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services tailored to simplify your payment processes. Imagine a busy Saturday at your local café where customers want to pay quickly and easily. Our payment solutions ensure you can accept various forms of payment without a hitch, allowing you to focus on what you do best running your business. Located at 3487 Clark Rd Sarasota Fl 34231 in Sarasota, FL, we're here to help you thrive. Contact us today at (813) 569-2000 and discover how we can support your business journey!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we provide essential Business Banking services including merchant services and business loans. We believe in supporting local businesses by offering tailored financial solutions that help them thrive in today's economy.

Credit Cards with Rewards

Shopping should be rewarding! Our Credit Cards with Rewards give you the chance to earn points on every purchase, allowing you to enjoy benefits like cash back or travel perks. It's an easy way to make your spending work for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, accessing your funds has never been easier. You can also use our ATMs for quick cash withdrawals or balance checks without any hassle.

Drive-Thru Services

If you prefer face-to-face interactions but want the ease of quick transactions, our Basic Drive-Thru Banking allows you to handle deposits, withdrawals, and other simple transactions efficiently. At Usf Federal Credit Union, we pride ourselves on being more than just a credit union; we are a community partner committed to helping you achieve financial success. Our team is ready to assist you with any questions or concerns during our operating hours from 9:00 AM to 5:00 PM Monday through Thursday, 10:00 AM to 5:00 PM on Wednesday, and 9:00 AM to 6:00 PM on Friday. We invite you to visit us at 3487 Clark Rd Sarasota Fl 34231 or call us at (813) 569-2000 to learn more about how we can help you reach your financial goals. Join us today at Sarasota-clark, where your future matters!

Loans and Financing

When it comes to financing your dreams, we've got you covered with a variety of loan options. Our Auto Loans & Vehicle Financing make it easy for you to get behind the wheel of a new car without breaking the bank. If you're looking for a place to call home, check out our Mortgage Loans & Refinancing solutions that allow you to secure a mortgage with favorable terms. For unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options are straightforward and accessible.

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer comprehensive Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with features that help you stay organized and in control of your money.

Digital & Online Banking

In today's fast-paced world, convenience and security are essential for managing your finances. At Usf Federal Credit Union, we understand that our members want easy access to their accounts anytime, anywhere. That's why we offer a robust suite of digital and online banking services designed to fit your lifestyle. With our online banking platform, you can manage your accounts 24/7. Check your balance, transfer funds, or pay bills all from the comfort of your home or on-the-go. You can even set up electronic statements to keep track of your finances without the clutter of paper. Yes, you heard that right e-statements are available to help you stay organized while being eco-friendly. Need to send money to a friend? Our person-to-person transfer feature makes it simple. Just a few taps on your mobile device and the funds are sent directly no hassle involved! And speaking of mobile devices, our dedicated mobile application allows you to bank wherever you are. Whether you're out shopping or enjoying a weekend getaway, accessing your account is just a click away. Security is a top priority at Usf Federal Credit Union. We utilize electronic signature authorization for important transactions, ensuring that your information remains protected every step of the way. Plus, with our mobile payments feature, making purchases directly from your phone is not only convenient but also secure. At Usf Federal Credit Union, we're committed to providing services that make banking easier and more accessible for everyone. Join us today and experience the freedom of managing your finances on your terms!

Financial Strength

Growing Trust

Total Share Accounts: 137,423, show a strong and growing member base that trusts us with their finances. This trust underpins everything we do at Usf Federal Credit Union, allowing us to focus on delivering value to you. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Usf Federal Credit Union is your trusted partner. Visit us at 3487 Clark Rd Sarasota Fl 34231 or call (813) 569-2000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $233,869,034 in share certificates and $173,559,939 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $165,848,477, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 213 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $101,990,891 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment helps us keep pace with your evolving needs.

Solid Financial Health

With a net worth of $106,980,364, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $935 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Lending Capacity

Our lending capacity supports your financial goals across various sectors. We have $16,960 in used auto loans and $972,301,040 in total loans and leases available to meet your borrowing needs effectively.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $332,031,191 in used vehicle loans and $108,663,226 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you can find a loan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $3,822,411 provide the capital needed to grow and expand. We support local businesses by offering tailored solutions that align with your business goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $112,591,453. Whether you're purchasing a new home or refinancing an existing mortgage, our competitive rates and flexible terms can help you secure your dream property.

Personal and Unsecured Credit Card Loans

For those looking for extra financial flexibility, we also offer personal loans and unsecured credit card loans. With a total of $44,853,344 in unsecured credit card loans available, members can manage their finances effectively without the need for collateral. Our personal loans come with various terms to help you consolidate debt or cover unexpected expenses.

Refinancing Options

If you're considering refinancing any of your existing loans, we have options available that could help lower your monthly payments or adjust your loan terms to better fit your current financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our branch located at 3487 Clark Rd Sarasota FL 34231 is ready to assist you. Feel free to reach us at 813-569-2000 during our operating hours: Monday through Thursday from 9:00 AM - 5:00 PM; Wednesday from 10:00 AM - 5:00 PM; and Friday from 9:00 AM - 6:00 PM. Explore how our loan offerings can help you today!

Loan Aggregator

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