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Retirement Accounts button-tan 2

Looking ahead and into the future can be exciting and a little scary, particularly when we don’t always know what the future holds.  Here are a couple of tools to take some of the doubt away and put the excitement back in!


Investing in an IRA


First, think about what type of IRA might be the right one for you.  Then you can choose the appropriate Tampa Bay Federal IRA account to save for what lies ahead.  Most of all, enjoy the ride!!

Types of IRAs

  Traditional IRA Account

IRA Account

Educational IRA

What Are Your Future Plans? I need all the tax advantages I can get now, don't really have plans for retirement, just know I should be doing something. I'm on the downhill slide now and will need more access than tax advantages in 60 to 10 years. I can almost see it! I'm interested in helping my children prepare for their future - college is a lot closer than my retirement!
Annual Contribution $5,000 or 100% of earned income (whichever is less)* $5,000 or 100% of earned income (whichever is less)* $2,000
Tax-Deductible Contribution Within qualifications None None
Distributions; Required Minimum Distributions 59 1/2; mandatory at 70 1/2 5 years after holding period and 59 1/2 by 30
Earnings Tax Deferred Tax Deferred Tax Deferred


IRA Accounts

  IRA Savings IRA Certificates IRA Transfers IRA Rollovers
Most appropriate for... Just getting started... thinking about a systematic savings plan. Starting to see savings grow and want to take advantage of higher tax returns. Moving a Roth IRA that would perform much better at TBF than where it is. Rolling over a previous employer's plan to TBF.
Considerations Automatic transfer, payroll deduction for any amount. Starting at $500. Directly from one financial institution to another; unlimited number. Funds are released to you and deposited within 60 days; 1 rollover per 12 months.



* Members over 50 years old may make additional catch up contributions for the taxable year. Ask a Credit Union Service Associate for more details.


Open An Account

Get started today by visiting any branch location or calling us at 813-247-4414.



How much will I need to save for retirement?

How much will I receive in Social Security?

How much can I save with my 401(k)?



todays rates text2


as high as 

1.90%* APY

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