A Holiday Gift for You
3.99% APR*
for 6 months on credit card purchases
made through January 15, 2027.
*3.99% APR rate is applicable for six months on eligible purchases made with your Tampa Bay Federal credit card from October 15, 2026 through January 15, 2027. After the six month period ends, the regular rate will be applied to the remaining balance on purchases that were made between October 15, 2026 and January 15, 2027. 3.99% APR is not applicable on Tampa Bay Federal secured credit card, balance transfers or cash advances.
Holiday Loan
Our low-interest holiday loan helps you get the money you need this holiday season. Whether you are buying gifts, traveling to meet family, or just need a little extra for unexpected expenses, our holiday loan will make the season stress-free.
- 12.00% APR*
- Maximum loan amount: $1,200
- Terms: 12 months
-
One low monthly payment
*APR = Annual Percentage Rate. Approval based on creditworthiness and other terms. Rates of 12% for all approved holiday loans. Restrictions may apply. Available October 1, 2026 thru January 31, 2027.
10,000 Rewards Bonus Points*
Open a new Rewards Credit Card and receive 10,000 Bonus Rewards Points*. Plus. you will enjoy 1 point for every $1 spent on qualifying purchases. Points can be redeemed for gift cards, travel, merchandise, and more through the uChoose Rewards® program.
Claiming Your Points is Easy:
- Open up a new Rewards Credit Card*
- Reach $1,000 in purchases within your first 60 days
- Register with uChoose Rewards via TBFCU online banking
-
Points are deposited within 30 days of reaching the spend requirement
*Subject to credit approval. New credit card holders are only eligible for the 10,000 rewards bonus ponts. Members who already have a Rewards credit card and are already enrolled in uChoose Rewards are not eligible for this bonus.
Up to $600 Cashback on Auto Loans
when you finance a new auto loan or refinance your current auto loan with Tampa Bay Federal!*
Get $200 when you finance a vehicle over $20,000*
Get $400 when you finance a vehicle over $40,000*
Get $600 when you finance a vehicle over $50,000*
Plus, you may be eligible for 90 days until your first payment.**
*All loans are subject to Tampa Bay Federal lending policies. Cash back incentive of $600.00 for a vehicle loan $60,000.00 or more; $400.00 for $40,000.00 or more; and $200.00 for $20,000.00 or more to be paid to a Tampa Bay Federal account during loan closing. Restrictions Apply. Offer, rate, and terms are subject to change without notice. Not valid to refinance existing Tampa Bay Federal vehicle loans. Limited time offer. If you participate in this offer, you may receive Form 1099 MISC at year-end for tax purposes. Individuals must meet all membership requirements to qualify. Loan must close directly with Tampa Bay Federal location (includes branch, contact center or TBF online). Not valid for loans financed with Tampa Bay Federal through dealership. Loan requires set up of automatic payment or ACH for payment.
** No payment for 90 days subject to credit approval on eligible loans. Restrictions may apply on certain loan types. Must have at least six months of satisfactory auto loan payment history to qualify. Interest will continue to accrue over the 90 days.
Skip-A-Payment
Life moves fast, and unexpected expenses happen. To help you catch a breather when you need it most, Tampa Bay Federal offers Skip-A-Payment. Pause one monthly loan payment and give your wallet a little breathing room—all without hurting your credit score. It’s quick, easy, and designed to help you get back on track.
Skip-A-Payment Authorization form must be completed 4 (four) days before the loan payment due date. A service fee will be assessed for each Skip-A-Payment request and will be withdrawn from your account when payment is approved.
Refer a Friend and Get $50
Get a FREE $50 for every friend you refer who finances or refinances their auto loan with us. No complicated hoops to jump through—just cash in your pocket for sharing the love.