At Tampa Bay Federal, better rates mean you can earn more on savings or pay less on loans—putting more money back in your pocket where it belongs. Whether you’re financing a car, motorcycle, boat, or RV, or looking for a personal loan, credit card, or business financing, we’ve got you covered.
We offer competitive rates and personalized service—because your financial goals deserve both.
Savings Rates
| Balance | APY** |
|---|---|
| Up to $5,000.00* | 1.00% |
| Balance above $5,000.01 | 0.15% |
| * Simply maintain a monthly recurring direct deposit or ACH debit to meet monthly Reward requirements.** APY = Annual Percentage Yield. Current rate accurate as of the last dividend declaration date. Rates subject to change without notice. Fees may reduce earnings on share accounts. If your account does not meet requirements .02% APY on account balance. | |
| Name | $500+* |
|---|---|
| Regular Share Savings | 0.05% |
| Single Service Savings | 0.00% |
| Special Savings | 0.02% |
| Jump Start Savings | 0.05% |
| Holiday Club | 0.03% |
| Mortgage Escrow | 0.00% |
| *Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings on share accounts; and early withdrawal penalties may apply on share certificate accounts. Automatic deposit of $25 debited monthly from TBF Checking Account. | |
| Name | $3,500.00-$9,999.99 | $50,000+* |
|---|---|---|
| Regular Money Market | .02% | .05% |
| Super Money Market | .07% |
| Term | $500-$49,999 | $50,000-$99,999 | $100,000+* |
|---|---|---|---|
| Share Certificate APY* | |||
| 3 Month | 1.00% | 1.00% | 1.00% |
| 6 Month | 3.50% | 3.50% | 3.50% |
| 12 Month | 3.85% | 3.85% | 3.85% |
| 24 Month | 3.40% | 3.40% | 3.40% |
| 36 Month | 3.25% | 3.25% | 3.25% |
| 48 Month | 3.00% | 3.00% | 3.00% |
| 60 Month | 3.00% | 3.00% | 3.00% |
| 7 Month Liquid | minimum to open is $10k | 0.05% | 0.05% |
| 18 Month Market Watch** | 4.49% | 4.49% | 4.49% |
*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings on share accounts; and early withdrawal penalties may apply on share certificate accounts. ** The 18 month Market Watch is currently unavailable for new certificates- rate reflects rates for current certificate holders. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24 month Treasury Bill rate in effect on the 10th day of the previous month plus 1/4th of 1% (25 basis points). At maturity, the certificate automatically renews. .** ***Available for limited time only. Step-Up feature not available for special rate certificates. | |||
| Term | $500-$49,999 | $50,000-$99,999 | $100,000+* |
|---|---|---|---|
| Traditional IRA Savings (variable rate) | 0.10% | 0.15% | 0.20% |
| Roth IRA Savings (variable rate) | 0.10% | 0.15% | 0.20% |
| Coverdell Educational Savings (variable rate) | 0.10% | 0.15% | 0.20% |
| 3 Month | 1.00% | 1.00% | 1.00% |
| 6 Month | 3.50% | 3.50% | 3.50% |
| 12 Month | 3.85% | 3.85% | 3.85% |
| 24 Month | 3.40% | 3.40% | 3.40% |
| 36 Month | 3.25% | 3.25% | 3.25% |
| 48 Month | 3.00% | 3.00% | 3.00% |
| 60 Month | 3.00% | 3.00% | 3.00% |
*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings on share accounts; and early withdrawal penalties may apply on share certificate accounts.
** The 18 month Market Watch is currently unavailable for new certificates- rate reflects rates for current certificate holders. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24 month Treasury Bill rate in effect on the 10th day of the previous month plus 1/4th of 1% (25 basis points). At maturity, the certificate automatically renews. .** | |||
Loan Rates
| Max Term*** | NEW APR** as low as | USED APR** as low as | |
|---|---|---|---|
| Auto | 84 Months | 5.64% | 6.04% |
| Harley Davidson Motorcycles | 84 Months | 6.89% | 7.89% |
| Motorcycles - All Non-Harley Makes | 84 Months | 10.39% | 11.39% |
| Boats | 120 Months | 9.24% | 9.24% |
| RV | 120 Months | 9.24% | 9.24% |
| All other Recreational Vehicles | 60 Months | 10.24% | 10.24% |
*Subject to change without notice. | |||
| APR* as low as | |
|---|---|
| Share Secured (Regular or Special Shares) | Current Share Rate + 5.35% |
| Smart Start (Credit Builder) | 13.35% |
| Certificate Secured | Current Share Certificate Rate + 5.35% |
| Unsecured Line of Credit | 13.00% |
| Signature Loan | 12.00% |
| Rates subject to change without notice. * APR = Annual Percentage Rate. “ Rates and terms based on individual credit worthiness and other restrictions may apply. Payment example: A 60-month Signature loan of $5,000.00 at 11.85% fixed APR will have 60 monthly payments of $111.37. | |
| APR* as low as | |
|---|---|
| Mastercard Platinum | Variable rate based on Prime+5.75%, currently 13.25% |
| Mastercard Platinum Rewards | Variable rate based on Prime+6.75%, currently 14.25% |
| Mastercard Secured Credit Card | Variable rate based on Prime+6.75%, currently 17.25% |
| Rates subject to change without notice. * APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Full CC Disclosure: https://www.tampabayfederal.com/files/tampabayfcu/1/file/Disclosures/Credit%20Cards/TampaBayFederalCreditCardDisclosure.pdf | |
| APR* as low as | |
|---|---|
| New Autos | 9.39% |
| Used Autos | 9.39% |
| Mastercard Platinum | Variable rate based on Prime Rate with Floor of 6.00%, currently 10.25% |
| *Annual Percentage Rate. The actual rate you receive depends on your overall creditworthiness. Loan rates are subject to change. | |