Featured Savings Rates
Featured Accounts

Tampa Bay Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%Reward CheckingReward Checking
1.97%5-year CD60 Month CD
0.95%1-year CD12 - 23 Month CD

Overview / Commentary
813-247-4414
3815 N Nebraska Ave
Tampa, FL 33603

Tampa Bay Federal Credit Union is headquartered in Tampa and is the 39th largest credit union in the state of Florida. It is also the 787th largest credit union in the nation. It was established in 1935 and as of March of 2016, it had grown to 76 employees and 28,816 members at 5 locations. Tampa Bay Federal Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to members of The Prime Time Club or one of our Select Employee Groups. The one time membership fee into The Prime Time Club is $5. The purpose of the Prime Time Club is to promote the education and benefits of savings, investments and retirement planning.
See current membership details

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Reviews (4)

A Good Bank

Posted by: myrab51 | Apr 8, 2011

I have been with this bank for 13 years (as of 2011), and I have been happy with them. We have had two car loans, a boat loan, and two lines of credit, and a Platinum Visa through them with no problems. They have always worked with us when we needed it. The two occasions that they did make an error, they fixed it as soon as I contacted them. I did have a customer service rep get snippy with me once, but I complained and have never had the issue again. My one complaint withtheir service is that if your account gets low, they hit you very hard with the fees. I made a banking error, and it was totally my fault. I accidently paid a large bill twice. They bounced a check, charged me a fee for bouncing it which put me negative, and then charged me another fee for being negative. The two fees put me about $80 in the red. This is standard bank practice. I just noted how high the fees were. I do wish they had more locations or cooperated with other credit unions more. I moved outside of Tampa, and it is a heck of a drive everytime I have business with them. Other than those things, it is a good bank. Overall, their reps are friendly and informed. They have services like text messaging you if your account gets under a certain balance. Their online banking is really nice. You can make loan and credit card payments, transfer between your accounts, or with signed papers you can transfer into someone elses, see histories, and do many other things right from your laptop. I intend on staying with them.

Poor Health

Been with them several years and leaving.  They have been cutting locations and raising fees.  No help when they were needed, and their tellers don't seem generally happy.  No problems with accounts, but TBFCU has the appearances of a bank going out of business.  I would blame it on the economy, but their competition seems to be doing well.  Cannot recommend. 

In December Tampa Bay FCU Changed Its Account To 3

Posted by: Anonymous | Mar 1, 2010

In December Tampa Bay FCU changed its account to 3.01% apy on a maximum of $20000.

Tampa bay FCU not only reduced its interest rate but also reduced the max amount it would be calculated on.  Notifications and account information state interest rates may change without notice (and they will and did) but there is no information that the maximum amount on which the interest rate will be based on would change.  They do not notify you about the change.  There is difficulty in identifying the rate you are receiving.  Information about the account states you will get 3.01% apy yet statements show your apy and it is never 3.01%.

I Would Never Recommend This Credit Union!!!!

Posted by: cmarieliz | Feb 9, 2011

I have a car loan with them but in mid 2010 I was going thru hardship and I requested a payment reduction. After I did so many paper work the approved it, the payment plan was good for 6 months & after that I needed to start the regular payment. The car is suppost to be paid off by April but do to the arregement it was suppost to get extended like 3 to 4 months. The always write their convenience on the system now they are saying that the car is almost 1000.00 past due and they been harrasing me for the payment that on the agreement we stated that the only problem I was going to have was that the car was not going to get paid off on time. I did understand everything and now they want to refinance the car like if I just but it. I would never recommend this Credit Union because they always call with attitude and they are really bad with customer service. If you are thinking about opening a account with them please think twice because I have accounts with other banks and also more car loans and I have ever had this problem. They are always nice at the beginning but after all they are not woth it



Health
A

Health Grade Components

Overall
NCUA #352
Year Chartered1935
Employees76
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.58%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$277.7MM$258.7MM
LoansQ1 2016vs Q1 2015$200.9MM$201.5MM
DepositsQ1 2016vs Q1 2015$248.3MM$231.4MM
Equity CapitalQ1 2016vs Q1 2015$27.0MM$24.8MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.5MM$1.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$1.4MM$1.4MM
Real Estate OwnedQ1 2016vs Q1 2015$0$78.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tampa Bay Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$501*$1kJump Start Savings
OTHER TIERS: 0.10% $1k+
0.20%*$100k*-IRA Savings
OTHER TIERS: 0.10% $500 - $50k | 0.15% $50k - $100k
0.20%*$100k*-Roth IRA Savings
OTHER TIERS: 0.10% $500 - $50k | 0.15% $50k - $100k
0.20%*$100k*-Coverdell Educational Savings
OTHER TIERS: 0.10% $500 - $50k | 0.15% $50k - $100k
0.10%$500-Regular Share Savings
0.03%$500-Holiday Club Savings
0.02%$500-Special Savings

Tampa Bay Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$50k-Super Money Market
0.15%*$50k*-Regular Money Market
OTHER TIERS: 0.05% $3,500 - $10k

Tampa Bay Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$5kReward Checking
OTHER TIERS: 0.15% $5k+

Tampa Bay Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%*$100k*-60 Month CD
OTHER TIERS: 1.77% $500 - $50k | 1.87% $50k - $100k
1.66%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.56% $500 - $50k | 1.61% $50k - $100k
1.61%*$100k*-36 - 47 Month CD
OTHER TIERS: 1.41% $500 - $50k | 1.51% $50k - $100k
1.11%*$100k*-24 - 35 Month CD
OTHER TIERS: 1.00% $500 - $50k | 1.06% $50k - $100k
0.98%$500-18 Month Market Watch CD
0.95%*$100k*-12 - 23 Month CD
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
0.65%*$50k*$100k6 - 11 Month CD
OTHER TIERS: 0.60% $500+
0.35%$10k-7 Month Liquid CD
0.30%$500-3 - 5 Month CD

Tampa Bay Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%*$100k*-60 Month IRA Certficate
OTHER TIERS: 1.75% $500 - $50k | 1.87% $50k - $100k
1.66%*$100k*-48 - 59 Month IRA Certficate
OTHER TIERS: 1.56% $500 - $50k | 1.61% $50k - $100k
1.61%*$100k*-36 - 47 Month IRA Certficate
OTHER TIERS: 1.41% $500 - $50k | 1.51% $50k - $100k
1.11%*$100k*-24 - 35 Month IRA Certficate
OTHER TIERS: 1.00% $500 - $50k | 1.06% $50k - $100k
0.95%*$100k*-12 - 23 Month IRA Certficate
OTHER TIERS: 0.80% $500 - $50k | 0.90% $50k - $100k
0.70%*$100k*-6 - 11 Month IRA Certficate
OTHER TIERS: 0.60% $500 - $50k | 0.65% $50k - $100k
0.30%$500-3 - 5 Month IRA Certficate
Locations


Tampa Bay Federal Credit Union Locations
Branch Office10845 Boyette RdRiverview, FL 33569
Branch Office710 Oakfield DrBrandon, FL 33511
Branch Office14990 N Florida AveTampa, FL 33613
Branch Office7250 Sheldon RdTampa, FL 33615
Branch Office3815 N Nebraska AveTampa, FL 33603