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Tampa Bay Federal CU
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Step Up Your Savings 

Tampa Bay Federal Credit Union’s share certificate rates are the best they’ve been in a long time, so now is the time to earn more on your savings! We are here to help you earn more interest on your money. But these amazing rates won't be available for long, so take advantage now!

  • 60 month certificate: 3.25% APY*

It's not just great rates - enjoy piece of mind with share certificates from Tampa Bay Federal:  

  • We will pay penalties for you!1 Getting a less desirable rate at another financial institution but don't want to pay penalties for closing a cd already? We have you covered so you can start earning more today. 
  • Step-Up your rate at anytime.2 When you open a share certificate, you have the option to take advantage of a higher rate during the term of your certificate. So, if the rates go up, so can the rate of your share certificate.

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We invite you to visit one of our branch locations for advice on which option is best for you, or call us at (813) 247-4414. Our member solutions representatives are available to speak with you about your options.




*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. Rates valid as of July 1, 2018 and may change at anytime. 

1Penalty Payment Qualifications- Only three, four and five year share certificate terms qualify for competitor’s penalty reimbursement, minimum opening deposit of $500, must provide proof of penalty paid with competitor, reimbursement is limited up to a six month penalty, reimbursement is posted as a dividend payment to the share certificate at initial opening, bonus dividend will be reported on 1099-INT along with any other reportable dividends.

2The "step up" feature allows a one time option of locking in a higher rate after the certificate funds have remained on deposit for a certain period of time. For a 12 month certificate, the certificate must be open for 3 months. For certificates over 12 months, the certificate must be open for 6 months. (The higher rate would match the rate being offered on a new Tampa Bay Federal CU certificate with the same terms.)



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Toll Free: (800) 380-8880

Local: (813) 247-4414