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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Tampa Bay Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Tampa Bay Federal Credit Union's 18 Month Market Watch CD rates are at 4.03%, 18 Month Market Watch** CD rates are at 4.03%, 12 Month CD rates are at 3.70%, 24 Month CD rates are at 3.50%, 36 Month CD rates are at 3.50%. Tampa Bay Federal Credit Union's savings rates are at 0.00%. Tampa Bay Federal Credit Union's money market rates are at 0.02%. 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 14.65%. Rates were last updated on 03/28/2026. 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. The Bank of Baker
Ybor Heights Service Center 3815 N Nebraska Ave
http://www.tampabayfederal.com Tampa, FL 33603 
Tampa Bay Federal Credit Union CD Rates
Tampa Bay Federal Credit Union Savings Rates
Tampa Bay Federal Credit Union Money Market Rates
Tampa Bay Federal Credit Union Checking Rates
Tampa Bay Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
Ken Perry
CEO
Richard Grammatica
Full-Time Employees
92
Part-Time Employees
11
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.65%
Return on Assets (ROA)
0.1869%
Return on Equity (ROE)
1.7921%
Non-Performing Loans Ratio (NPL)
1.94%
Total Assets
475,635,359
Total Amount of Shares and Deposits
416,555,322
Total Shares and Deposits < 1 Year
403,393,832
Total Shares and Deposits 1 3 Years
11,844,090
Total Shares and Deposits > 3 Years
1,317,400
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,792,766
Total Uninsured Shares and Deposits > $250K (F+J)
49,792,766
Total Insured Shares and Deposits > $250K (item 17 less item K)
366,762,556
Total Interest Expense (Sum of items 6 8)
6,282,924
Share Certificates
2,311
Number of Accounts for Share Drafts
14,454
IRA KEOGH Accounts
794
Number of Accounts for Regular Shares
28,614
Non Member Deposits
12
Money Market Shares
896
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
43,904,865
Total Liabilities
427,649,900
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Tampa Bay Federal Credit UnionIs Tampa Bay Federal Credit Union a safe place to deposit money?Yes, Tampa Bay Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 14.648502548428%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Tampa Bay Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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