Credit union · NCUA insured
Tampa Bay Federal Credit Union CD Rates
Tampa Bay Federal Credit Union’s best CD rate is 3.70% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Tampa Bay Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Tampa Bay Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tampa Bay Federal Credit Union
3.70%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $370
Share Certificate
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Tampa Bay Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Tampa Bay Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.70%APY · 7 terms
Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty is 3 months dividends for maturities under 1 year, and 6 months dividends for maturities of 1 year or more. Includes a one-time step-up option on eligible non-special terms (after 3 months for 12-month certificate, after 6 months for terms over 12 months). Certificates automatically renew at maturity.
| Term | APY · $500 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.00% | 1.00% | 1.00% | 1.00%1.00% $50k–$100k1.00% from $100k | $25 |
| 6 months | 3.35% | 3.35% | 3.35% | 3.35%3.35% $50k–$100k3.35% from $100k | $166 |
| 12 months | 3.70% | 3.70% | 3.70% | 3.70%3.70% $50k–$100k3.70% from $100k | $370 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $712 |
| 36 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% $50k–$100k3.25% from $100k | $1,007 |
| 48 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $50k–$100k3.00% from $100k | $1,255 |
| 60 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $50k–$100k3.00% from $100k | $1,593 |
Sources (2)
All captured Oct 5, 2026
7 Month Liquid Share Certificate
0.05%APY · 1 term
New money only (no transfers from current Tampa Bay Federal accounts). Minimum deposit to open is $10,000. Funds above $10,000 can be withdrawn as often as desired without penalty. Balances under $10,000 are closed and subject to a $100 early closure fee.
| Term | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsNew money only. Minimum opening deposit $10,000. Fee of $100 applies if closed under $10,000 balance | 0.05% | 0.05% | —0.05% $50k–$100k0.05% from $100k | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.70%APY · 7 terms
Individual Retirement Account Certificates. Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty is 3 months dividends for maturities under 1 year, and 6 months dividends for maturities of 1 year or more; penalty does not apply following disability or attainment of at least 70 1/2 years of age. Automatically renews at maturity.
| Term | APY · $500 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.00% | 1.00% | 1.00% | 1.00%1.00% $50k–$100k1.00% from $100k | $25 |
| 6 months | 3.35% | 3.35% | 3.35% | 3.35%3.35% $50k–$100k3.35% from $100k | $166 |
| 12 months | 3.70% | 3.70% | 3.70% | 3.70%3.70% $50k–$100k3.70% from $100k | $370 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $712 |
| 36 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% $50k–$100k3.25% from $100k | $1,007 |
| 48 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $50k–$100k3.00% from $100k | $1,255 |
| 60 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $50k–$100k3.00% from $100k | $1,593 |
Sources (2)
All captured Oct 5, 2026
Who can join Tampa Bay Federal Credit Union
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.
Membership information collected October 5, 2026.