What are the current interest rates at Tampa Bay Federal Credit Union?

Current rates for Tampa Bay Federal Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 4.15%, 24-Month CD: 3.50%, 60-Month CD: 3.00%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Tampa Bay Federal Credit Union

iAdvertiser Disclosure

Tampa Bay Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tampa Bay Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Tampa Bay Federal Credit Union's 18 Month Market Watch rates are at 4.15%, 12 Month CD rates are at 3.70%, 24 Month CD rates are at 3.50%, 6 Month CD rates are at 3.35%, 36 Month CD rates are at 3.25%. Tampa Bay Federal Credit Union's Auto Loan Rates are as low as 4.69%. Tampa Bay Federal Credit Union's Credit Card Rates are at 12.75%. MonitorBankRates evaluates the financial stability of Tampa Bay Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.86%. Rates last updated and verified on 09/22/2026.

Tampa Bay Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tampa Bay Federal Credit Union? Share your experience about Tampa Bay Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tampa Bay Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.86%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Tampa Bay Federal Credit Union
Ybor Heights Service Center

3815 N Nebraska Ave
Tampa, FL 33603

http://www.tampabayfederal.com

Tampa Bay Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Market Watch	-	4.15%	18 Month
Min Balance $500 Details Balance: $500-$49,999; 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 0.25% (25 basis points). At maturity, the certificate automatically renews. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
18 Month Market Watch	-	4.15%	18 Month
Min Balance $50,000 Details Balance: $50,000-$99,999; 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 0.25% (25 basis points). At maturity, the certificate automatically renews. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
18 Month Market Watch	-	4.15%	18 Month
Min Balance $100,000 Details Balance: $100,000+*; 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 0.25% (25 basis points). At maturity, the certificate automatically renews. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
12 Month Share Certificate	-	3.70%	12 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
12 Month Share Certificate	-	3.70%	12 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
12 Month Share Certificate	-	3.70%	12 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
24 Month Share Certificate	-	3.50%	24 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
24 Month Share Certificate	-	3.50%	24 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
24 Month Share Certificate	-	3.50%	24 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
6 Month Share Certificate	-	3.35%	6 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
6 Month Share Certificate	-	3.35%	6 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
6 Month Share Certificate	-	3.35%	6 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
36 Month Share Certificate	-	3.25%	36 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
36 Month Share Certificate	-	3.25%	36 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
36 Month Share Certificate	-	3.25%	36 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
48 Month Share Certificate	-	3.00%	48 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
48 Month Share Certificate	-	3.00%	48 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
48 Month Share Certificate	-	3.00%	48 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
60 Month Share Certificate	-	3.00%	60 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
60 Month Share Certificate	-	3.00%	60 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
60 Month Share Certificate	-	3.00%	60 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
3 Month Share Certificate	-	1.00%	3 Month
Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
3 Month Share Certificate	-	1.00%	3 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
3 Month Share Certificate	-	1.00%	3 Month
Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
7 Month Liquid	-	0.05%	7 Month
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%
7 Month Liquid	-	0.05%	7 Month
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000+* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%

Tampa Bay Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loan	-	-	4.69%
Details Published APR range: AS LOW AS 4.69%. Details: Auto loan rates have never been better at Tampa Bay Federal Credit Union! Walk into that dealership knowing that you already have the best deal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%

Tampa Bay Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Platinum Credit Card	-	12.75%
Details Published APR range: AS LOW AS 12.75%. Regular APR: 12.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%

Tampa Bay Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Quick Start Loan	-	-	28.00%
Details Loan amounts from $200-$2,000; $20 Application Fee; Must be a Member for 90 days. Other Personal Loan Options Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tampa Bay Federal Credit Union’s Texas Ratio rose from 4.00% in Q2 2023 to 11.86% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$493M	11.86%	5.0	A
December 31, 2025	$478M	14.65%	5.0	A-
September 30, 2025	$476M	13.64%	5.0	A
June 30, 2025	$490M	14.01%	5.0	A-
March 31, 2025	$495M	12.41%	5.0	A
December 31, 2024	$442M	15.02%	5.0	A-
September 30, 2024	$428M	12.41%	5.0	A
June 30, 2024	$433M	11.59%	5.0	A
March 31, 2024	$444M	8.22%	5.0	A
December 31, 2023	$434M	7.69%	5.0	A
September 30, 2023	$441M	8.26%	5.0	A
June 30, 2023	$429M	4.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Tampa Bay Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tampa Bay Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tampa Bay Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tampa Bay Federal Credit Union

Website http://www.tampabayfederal.com

Address 3815 N Nebraska Ave, Tampa, FL 33603

Phone 813-247-4414

Fax 813-247-2373

President Robert Wright

CEO Richard Grammatica

Full-Time Employees 91

Part-Time Employees 9

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.86%

Return on Assets (ROA)

0.0933%

Return on Equity (ROE)

0.9032%

Non-Performing Loans Ratio (NPL)

1.68%

Total Assets

492,989,472

Total Amount of Shares and Deposits

421,494,778

Total Shares and Deposits < 1 Year

415,325,344

Total Shares and Deposits 1 3 Years

4,631,160

Total Shares and Deposits > 3 Years

1,538,273

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

16,048,600

Total Uninsured Shares and Deposits > $250K (F+J)

16,048,600

Total Insured Shares and Deposits > $250K (item 17 less item K)

405,446,178

Total Interest Expense (Sum of items 6 8)

1,840,944

Share Certificates

2,031

Number of Accounts for Share Drafts

14,099

IRA KEOGH Accounts

740

Number of Accounts for Regular Shares

29,306

Non Member Deposits

Money Market Shares

853

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

55,875,072

Total Liabilities

443,738,829

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Tampa Bay Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/tampa-bay-rates-review-352">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Tampa Bay Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Tampa Bay Federal Credit Union

Frequently Asked Questions About Tampa Bay Federal Credit Union

How many branches does Tampa Bay Federal Credit Union operate?

Tampa Bay Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tampa Bay Federal Credit Union?

Yes, to access services at Tampa Bay Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tampa Bay Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tampa Bay Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tampa Bay Federal Credit Union offer online and mobile banking?

Most modern institutions like Tampa Bay Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.tampabayfederal.com.