Current Rates

Current Rates - Credit Union Loans

Rates are just one of the places you will feel the credit union difference. With better rates, you can earn more or you can pay less. Either way, that means more money in your pocket. Who wouldn’t want that? Our Credit Union loans are available for all types of vehicles - autos, motorcycles, boats and RV's. We also offer consumer loans, VISA credit cards and business loans.

At Tampa Bay Federal Credit Union, we offer competitive rates and personal service is a priority. Once you do some comparison shopping of rates, it's hard to argue with credit union loans and the differences -- all to the better -- that they afford you. Credit Unions are better, plain and simple and we're tops in Tampa Bay.

Savings & Checking Rates Loan Rates Home Loan Rates

deposit Rates

Rewards Checking
Effective Date: Wednesday, February 14th, 2024
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.

Savings Accounts
Effective Date: Wednesday, February 14th, 2024
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.

Certificates
Effective Date: Wednesday, February 14th, 2024
Term	$500-$49,999	$50,000-$99,999	$100,000+*
Share Certificate APY*
3 Month	0.30%	0.30%	0.30%
6 Month	0.30%	0.30%	0.30%
12 Month	5.00%	5.00%	5.35%
24 Month	0.75%	0.75%	0.75%
36 Month	0.80%	0.80%	0.80%
48 Month	0.85%	0.85%	0.85%
60 Month	0.90%	0.90%	0.90%
7 Month Liquid	minimum to open is $10k	0.05%	0.05%
18 Month Market Watch**	5.35%	5.35%	5.35%
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.

Consumer Money Market
Effective Date: Wednesday, February 14th, 2024
Name	$3,500.00-$9,999.99	$50,000+*
Regular Money Market	.02%	.05%
Super Money Market		.07%

IRAs
Effective Date: Wednesday, February 14th, 2024
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	0.30%	0.30%	0.30%
6 Month	0.30%	0.30%	0.30%
12 Month	5.00%	5.00%	5.35%
24 Month	0.75%	0.75%	0.75%
36 Month	0.80%	0.80%	0.80%
48 Month	0.85%	0.85%	0.85%
60 Month	0.90%	0.90%	0.90%
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. .**