Smart Start Checking Account
Start them early by giving them financial responsibility.
Consider opening a Smart Start Checking Account.
- A teen/young adult checking account with debit card for members age 15 to 22.
- Parents co-sign giving you the ability to access the account, monitor transactions and advise your children along the way.
- Parents share responsibility for fees and any other consequences.
- Helps your child establish a banking and credit history while still under your roof.
- Guide and direct their financial decisions before they take on the responsibility of managing their own checking account.
- Ability to set ATM limits.
- Provides your teen the freedom to make decisions setting them on the right financial path.
Quick Start Loan
It’s stressful finding yourself with more month than money. If you are finding you need immediate access to extra money, we now offer our Quick Start Loan. A fast and easy way to get the money you need in just a few clicks.
Our Quick Start Loan is available after 90 days of membership.
- Availability 24/7
- No credit check
- Builds good credit
- Loan amounts from $200-$2,000
- $20 Application Fee
Smart Start (Credit Builder)
Do you want to establish or re-establish your credit but don’t have the funds to pledge?
This may be the product for you. Not only do you build your credit, but you’re also saving!
How it works:
- Loan funds are placed in a secured savings account.
- Monthly payments are made toward the loan over the agreed-upon term.
- Once the loan is fully paid off, you receive the full balance of the funds plus any interest incurred.
- On-time payments are reported to major credit bureaus, helping you build and improve your credit score.
AutoStart Loan
Your credit history does not have to keep you from moving forward. Tampa Bay Federal's Auto Start Program is designed to help members who may have difficulty qualifying for a traditional auto loan.
The Auto Start Program may be a good fit for:
- First-time auto buyers
- Buyers with little or no credit history
- Borrowers with a low credit score
- Persons currently rebuilding their credit
We are here to help you understand the process and find a path toward reliable transportation and a stronger financial future.
Jump Start Savings
Saving for your future or an emergency has never been easier. With our Jump Start Savings Account, every debit card purchase is rounded up to the nearest dollar, and the spare change is deposited directly into your account.
Features of a Jump Start Savings Account:
- Ability to withdraw or transfer from the account like you would a regular savings account.
- We conveniently transfer all daily round-ups in one lump sum to savings.
- Dividends to your Jump Start Savings Account are paid monthly.
- If your checking balance is less than $50, your account will not transfer the change to keep from overcharges or low balances.
- No monthly fees
Secured Credit Card
Build or rebuild your credit with confidence using our Secured Card, backed by a cash deposit. It’s a great first step toward stronger financial health and responsible credit use.
How it works:
- Requires a cash deposit upfront, which typically serves as your credit limit.
- Operates just like a regular credit card.
- A great option for those who are brand new to credit or looking to rebuild after past financial challenges.
- Helps improve your credit score by making on-time payments and keeping a low balance.
