Credit union · NCUA insured
Tampa Bay Federal Credit Union
A $493M credit union headquartered in Tampa, FL, with 37,133 members and 5 branches in Florida. Best rates: CDs 3.70% APY.
Tampa Bay Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#31 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tampa Bay Federal Credit Union
Tampa Bay Federal Credit Union focuses on the betterment of its community, serving the local Tampa area for close to 100 years.
- Headquarters
- 3815 N Nebraska Ave, Tampa, FL 33603
- NCUA charter
- 352
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the American Consumer Council (ACC) are eligible to join Tampa Bay Federal Credit Union.
- Employees of an affiliated company or members of an affiliated group are eligible to join.
Branches
5 branches in Florida
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Florida
5 branches
- Ybor Heights Service CenterMain office3815 N Nebraska Ave, Tampa, FL 33603Directions
- Seffner Service Center11210 E Martin Luther King Blvd, Seffner, FL 33584Directions
- Citrus Park Service Center12080 Anderson Rd, Tampa, FL 33625Directions
- North Tampa Service Center14990 N Florida Ave, Tampa, FL 33613Directions
- Town & Country Service Center7250 Sheldon Rd, Tampa, FL 33615Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.78% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.47% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio10.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.78%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.47%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Tampa Bay Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.