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.
Loan Rates
| Consumer Vehicle Loans | |||
| Effective Date: Sunday, July 20th, 2025 | |||
| Max Term*** | NEW APR** as low as | USED APR** as low as | |
| Auto | 84 Months | 5.64% | 6.04% |
| Harley Davidson Motorcycles | 84 Months | 6.89% | 7.89% |
| Motorcycles - All Non-Harley Makes | 84 Months | 10.39% | 11.39% |
| Boats | 120 Months | 9.24% | 9.24% |
| RV | 120 Months | 9.24% | 9.24% |
| All other Recreational Vehicles | 60 Months | 10.24% | 10.24% |
| *Subject to change without notice. **APR = Annual Percentage Rate. “ Rates and terms based on individual credit worthiness and other restrictions may apply. Payment Example: A 60-month loan of $20,000 at 4.34% fixed APR will have 60 monthly payments of $372.06. ***Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms. Contact the credit union about specific rates and terms. | |||
| Consumer Loans | |
| Effective Date: Sunday, July 20th, 2025 | |
| APR* as low as | |
| Share Secured (Regular or Special Shares) | Current Share Rate + 5.35% |
| Smart Start | 13.35% |
| Certificate Secured | Current Share Certificate Rate + 5.35% |
| Unsecured Line of Credit | 13.00% |
| Signature Loan | 12.00% |
| Rates subject to change without notice. * APR = Annual Percentage Rate. “ Rates and terms based on individual credit worthiness and other restrictions may apply. Payment example: A 60-month Signature loan of $5,000.00 at 11.85% fixed APR will have 60 monthly payments of $111.37. | |
| Mastercard Rates | |
| Effective Date: Sunday, July 20th, 2025 | |
| APR* as low as | |
| Mastercard Platinum | Variable rate based on Prime+5.75%, currently 13.25% |
| Mastercard Platinum Rewards | Variable rate based on Prime+6.75%, currently 14.25% |
| Rates subject to change without notice. * APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Full CC Disclosure: https://www.tampabayfederal.com/files/tampabayfcu/1/file/Disclosures/Credit%20Cards/TampaBayFederalCreditCardDisclosure.pdf | |
| Small Business Loans | |
| Effective Date: Sunday, July 20th, 2025 | |
| APR* as low as | |
| New Autos | 9.39% |
| Used Autos | 9.39% |
| Mastercard Platinum | Variable rate based on Prime Rate with Floor of 6.00%, currently 10.25% |
| *Annual Percentage Rate. The actual rate you receive depends on your overall creditworthiness. Loan rates are subject to change. | |
