Please contact our member service representatives at 877.906.9328. Please note: authorized users are able to make purchases and obtain a card but they are not subject to credit reporting and may be removed at any time by the primary on the account.

Please visit our website or log into online banking (if currently a member) to apply for a new card or a limit increase.

If you are near a DCU/USF FCU branch location, you may apply in-person with a loan officer. To avoid lobby wait times, our online application is a good tool and you may always reach out to us with any questions or concerns.

Please call 1-800-654-7728 to report fraud or dispute a transaction. You may also begin a transaction dispute through digital banking.  Send a secured message to the Subject of "Transaction Dispute" and provide the requested information in the form.

In the event that your Debit card was never received, you can visit one of our branches to have a card instant issued. Or, you may contact our member service representatives at 877.906.9328 to have a replacement card sent to you (it will take 7-10 business days to receive).  If you never received your Credit card please call 800.449.7728 to request a new one. 

Any new charges after the statement close date are not included in the previous month’s charges. The new charges receive a 25-day grace period and would not have to be paid until the next statement cycle.

A secured credit card is offered when there is a deposit amount provided by the individual that is placed on hold to “secure” the value of the credit card. The secured card is reported to the credit bureau as a revolving account, the same as an unsecured credit card.  An unsecured credit card is a revolving line that does not have deposit funds on hold. An individual may pledge, or provide a deposit, for a secured card in the event that the applicant does not qualify for an unsecured credit card due to lack of credit history or negative history.

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your credit card in online or mobile banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send your payment.
2. Make a payment in person at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
4. Make an immediate payment to Visa using the Pay-by-Phone service. Please call 866.820.3942. A small fee of $5.00 does apply.
5. If you’d like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking to the topic "Visa Payment from External Account Setup" and complete the required information.
6. Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

To report your VISA credit card lost or stolen please call: 1 (800) 449-7728. VISA representatives may refer you back to the credit union if your address has not been updated or if you would like to have the card rushed. Otherwise, they will reissue you a replacement card with a new number and it should arrive within seven to ten business days.

Please update any scheduled drafts from your VISA accordingly once the new card arrive.

In most cases, a late charge is assessed because a payment was made after the due date or payment did not cover the minimum payment amount due. 

At this time, principal-only payments may only be made by calling the credit union or visiting a branch location.

We offer many convenient options to pay your loan. 

• Transfer funds from your DCU savings or checking account to your loan through online or mobile banking,
• Pay with cash or check by visiting a DCU/USF FCU branch or shared branch location
• Pay with a checking account or debit card from another financial institution through online banking.

No, you do not have to be a current member to apply for a loan; but you must be eligible to become a member.  If approved, we will open your membership with your loan.

Yes, a request for credit/loan requires a “hard” credit inquiry.

Yes, we offer first mortgages for purchase and refinance as well as home equity loans and lines of credit.

No, not at this time.

Yes, we offer a student line of credit up to $5,000 with draws paid directly to the student's school. Additionally, we offer private student loans with higher amounts in partnership with Student Choice. Our student loan options offer zero origination fees and lower rates than many lenders. They are structured as a Line of Credit, allowing students to draw funds for future semesters with just one application.

You can apply for a loan at your convenience with our secure, online applications available on our website.  You may also visit a branch location to apply with a Loan Officer.

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

When difficult circumstances arise, we’re here to help. To take advantage of Skip-A-Pay, log in to your Digital Banking account and click on the Skip-A-Pay icon/widget. You will have the option to transfer the fee from your USF FCU savings or checking account. The funds must be available in your account prior to the time you submit your Skip-A-Pay request. Please schedule your Skip-A-Pay request at least 5 business days prior to your loan due date.

To get pre-approved, submit an online application or visit a branch.

Interest accrues daily based on the remaining, unpaid principal balance. Each time a payment is made the funds are applied in the following order: 1) toward the accrued interest since the previous payment, and 2) remaining funds toward the unpaid principal balance and/or other fees as applicable.

If payments are not received by the scheduled due date, the final payment can differ from the scheduled payment amount that is listed on your loan contract. For example, if payments are made prior to the scheduled due date, less interest accrues and the principal balance will reduce at a faster rate. Conversely, if payments are paid after the scheduled due date, more interest accrues.

Qualification amounts vary by individual and are based on several factors; including type of loan, credit history and income.  Please submit an application to find out what you qualify for.

A minor may get a checking account with debit card at the age of 16.  They will need a qualified co-borrower to apply for a loan.

Once you have moved, visit that state’s motor vehicle office to register your vehicle. Most states will forward a form to us requesting the title from your previous state. Once we receive the form, we will forward the paper title to your new home state. This process can take around 2-4 weeks. If you have the form you can send an email request to our Loan Servicing Department at consumerlendinginquiries@usffcu.org or contact us at 877.906.9328.

A signature loan is an unsecured loan; a loan without material collateral such as a car or home, also referred to as a personal loan. You can use this loan for just about any purpose.

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your credit card in online or mobile banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send your payment.
2. Make a payment in person at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
4. Make an immediate payment to Visa using the Pay-by-Phone service. Please call 866.820.3942. A small fee of $5.00 does apply.
5. If you’d like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking to the topic "Visa Payment from External Account Setup" and complete the required information.
6. Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your loan account.

If you want to pay your loan from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send a loan payment.
2. Pay your loan at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers take 2-3 business days to process. For instruction on linking an external account, please watch our tutorial video.
4. If you need to make a quicker, one-time loan payment using an external account eCheck or Debit Card, you may use our legacy online loan payment service at usf.usffcupayments.com.

Interest rates are determined by credit history and term of the loan. For vehicle loans, rates also vary based on collateral conditions such as model year, mileage and percentage of the value financed. Please submit an application to find out your approved rate.

We offer a full range of loan products; including mortgages, home equity loans, auto, boat and recreational vehicle loans, credit cards, personal loans and student loans.

You will receive the paper title or lien satisfaction letter (if title is electronic) within 7-15 business days after the loan has been paid in full.