At Tampa Bay Federal, better rates mean you can earn more on savings or pay less on loans—putting more money back in your pocket where it belongs. Whether you’re financing a car, motorcycle, boat, or RV, or looking for a personal loan, credit card, or business financing, we’ve got you covered.
We offer competitive rates and personalized service—because your financial goals deserve both.
Savings Rates
| Balance | APY** |
|---|---|
| Up to $5,000.00* | 1.00% |
| Balance above $5,000.01 | 0.15% |
| * Simply maintain a monthly recurring direct deposit or ACH debit to meet monthly Reward requirements.** APY = Annual Percentage Yield. Current rate accurate as of the last dividend declaration date. Rates subject to change without notice. Fees may reduce earnings on share accounts. If your account does not meet requirements .02% APY on account balance. | |
| Name | $500+* |
|---|---|
| Regular Share Savings | 0.05% |
| Single Service Savings | 0.00% |
| Special Savings | 0.02% |
| Jump Start Savings | 0.05% |
| Holiday Club | 0.03% |
| Mortgage Escrow | 0.00% |
| *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. Automatic deposit of $25 debited monthly from TBF Checking Account. | |
| Name | $3,500.00-$9,999.99 | $50,000+* |
|---|---|---|
| Regular Money Market | .02% | .05% |
| Super Money Market | .07% |
| Term | $500-$49,999 | $50,000-$99,999 | $100,000+* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Share Certificate APY* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3 Month | 1.00% | 1.00% | 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6 Month | 3.35% | 3.35% | 3.35% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12 Month | 3.70% | 3.70% | 3.70% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 24 Month | 3.50% | 3.50% | 3.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 Month | 3.25% | 3.25% | 3.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 Month | 3.00% | 3.00% | 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 Month | 3.00% | 3.00% | 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 7 Month Liquid | minimum to open is $10k | 0.05% | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
*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. IRAs
*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. ** The 18 month Market Watch is currently unavailable for new certificates- rate reflects rates for current certificate holders. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24 month Treasury Bill rate in effect on the 10th day of the previous month plus 1/4th of 1% (25 basis points). At maturity, the certificate automatically renews. .** Loan Rates Loan Rates
Consumer Vehicle Loans
Effective Date: Friday, October 16th, 2026
Consumer Loans
Effective Date: Friday, October 16th, 2026
Mastercard Rates
Effective Date: Friday, October 16th, 2026
Small Business Loans
Effective Date: Friday, October 16th, 2026
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