CAMPUS USA Credit Union


CAMPUS USA Credit Union was originally chartered in 1935 as Gainesville Florida Campus Federal Credit Union, and was the first credit union on a U.S. College Campus. In 1994, we changed our name to Your Campus Federal Credit Union before converting to a State of Florida charter under our current name; CAMPUS USA Credit Union.

CAMPUS serves over 89,000 members from all over the world. As a not-for-profit cooperative, we are owned by our members. So at CAMPUS, you’re not just a member – you own the place! Profits are returned to our member-owners in the form of no- and low-fee financial services and best-of-market rates on deposits and loans. Since our members own CAMPUS, we can never be bought, nor can we merge with another institution without our members’ approval.

Loan Features

Vehicle Loans
Cars, Boats, Bikes and More: If you’re in the market for a new or used vehicle Count on CAMPUS for fast approval and world-class service. As the #1 Auto Lender in many of the markets we serve, we can get you in your new ride fast!

Credit Cards
CAMPUS has three credit cards to suit your needs. Whether you want to GIVE back with the Children’s Miracle Network Visa Platinum Card, SAVE money with our low rate Visa Platinum Variable Rate Card, or EARN rewards with a CAMPUS Visa Platinum Rewards Card.

Children’s Miracle Network Visa Platinum:
A percentage of every purchase made with this card goes directly to Children’s Miracle Network, even if you pay your balance in full each month. To date the CAMPUS CMN Visa Card has contributed almost $1.5 million to patient care at UF Health Shands Children’s Hospital in Gainesville, FL. Together we can make miracles happen!

Low 9.8% Fixed APR
No annual fee
No balance transfer fee
No cash advance fee

CAMPUS Visa Platinum Card:
This variable rate card is perfect for CAMPUS members who may carry a balance month-to-month. With no cash advance fee and no balance transfer fee, the CAMPUS Visa Platinum card can help you manage your finances and daily expenses responsibly.

Lowest variable rate
Variable rate; ensures when rates are low, you pay the lowest possible rate!
No annual fee
No balance transfer fee
No cash advance fee

CAMPUS Visa Platinum Rewards:
Earn 10,000 points when you open a new CAMPUS Visa Platinum Rewards Card and make $500 in purchases in the first 90 days! Apply Now! Use your CAMPUS Visa Platinum Rewards Card for all your daily purchases and earn rewards points! Rewards points can be redeemed for merchandise, travel, gift cards, and even cash!

Variable Rate; ensures when rates are low, you pay the lowest possible rate!
No annual fee
No balance transfer fee
No cash advance fee
One point for every dollar you spend

Mortgage & Home Equity
Mortgage Purchase or Refinance:
No application fee or upfront appraisal fee
No Intangible Tax (just another perk of financing with a credit union)
Bi-weekly payment option saves you even more interest2
Low loan rates

Construction Loans:
One-time closing (only one set of closing costs)
Permanent rate is locked before construction starts
No upfront application/appraisal fee
No intangible tax

Land Loans:
$100 origination fee
Low monthly payment (based on 15 year amortization)

Home Equity Loans:
Fixed Rate
Flexible payment terms
Interest may be tax deductible3

Home Equity Line of Credit:
Same day credit approval
Variable Rate
Easy and convenient access to funds

Personal Loans
A personal loan is your solution to every day debt. Use a personal loan to consolidate debt, for car repairs, or whenever you find yourself in need.

Consolidate debt to pay it off faster
Available for you to use at your discretion
Fast, local approvals

Student Loans
With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan offers these benefits:

1. A choice of competitive rates for undergraduate students
Competitive, variable interest rates from 3.62% APR to 10.54% APR. We also offer fixed interest rates from 5.74% APR to 11.85% APR.

2. Lower your interest rate
Receive a 0.25 percentage point interest rate reduction while enrolled for making monthly payments by automatic debit.

3. Get the money you need
Borrow up to 100% of the school-certified cost of attendance.

4. Choose the repayment option that’s best for you
Deferred Repayment Option, Fixed Repayment Option, or Interest Repayment Option.

5. Study StarterSM
Choose up to 120 free tutoring minutes with Chegg TutorsTM or free access to Chegg Study.

Line of Credit
A multi-purpose line of credit can give your business more control and flexibility of day-to-day or seasonal cash flow.

Fast, local approvals
Interest charged only on what you use
No limit to the number of withdraws or payments
Transfer funds from your line of credit to another account conveniently with online and mobile banking

A no-closing cost business mortgage can help you grow your business into a new space or pay of your existing owner-occupied office space fast!

Fast, local approvals
Rate adjustable every five years
No closing costs

Vehicle and Equipment Loans
Commercial Vehicles
Whether your business vehicle is for hauling or just getting people calling, we’ve got the loan for you.

Fast local approval
Flexible rates and terms
Purchase or refinance

CAMPUS can help equip your business with the tools you need to succeed. Available for general, heavy, and specialized machinery. Flexible rates and terms

Application Process

You are eligible for CAMPUS USA Credit Union membership if:

You live in Alachua, Clay, Columbia, Gadsden, Jefferson, Lake, Leon, Madison, Marion, Sumter, Suwannee and Wakulla counties.
You or a family member are an employee of UF Health or the University of Florida.
You are a member of any of the following:
AAA South
Marion County Humane Society
Matheson Historical Society
University of Florida Alumni Association

You are an immediate family member of an existing member.

How to Get a Business Loan:
1. To get started, fill out the contact form below
2. Make sure you have a minimum of three years tax returns for the business
3. A Business Services Team Member will contact you directly to discuss your request.

Repayment Terms

Auto Loans
Up to 60 months
APR 2.90%-3.45%

Up to 48 months
APR 5.3%-5.5%

Boats, Campers, RVs, etc
Up to 84 months
APR As low as 4.6%

ATV, Golf Cart, Jet Ski/Waverunner, Scooter, Tractor, Trailer
Up to 36 months
APR 6.35%-6.38%

Home Equity Loans
1-6 year; 90% LTV or less APR 5.31%
7-8 year; 80% LTV or less APR 5.55%
9-12 year; 80% LTV or less APR 5.78%
13-15 year; 80% LTV or less APR 6.03%

Home Equity Line of Credit
70% LTV or less 5.25% APR

Mortgage Purchase and Refinance
15 year
Rate: 4.25%
APR 4.38%

30 year
Rate: 4.875%
APR 4.95%

Unsecured Personal Loans
Up to 48 months
APR 7.04%

Customer Support

P.O. Box 147029
Gainesville, FL 32614
Routing Number # 263178478

(800) 367-6440

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