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Credit union · NCUA insured

Tampa Bay Federal Credit Union Credit Card Rates

Tampa Bay Federal Credit Union credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How Tampa Bay Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Tampa, FL, where Tampa Bay Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Tampa Bay Federal Credit Union

    12.75%APR

    Up to
    18.00% APR

    Mastercard Platinum

  • Top Carrot, Carrot Score 98

    Lowest rate

    Oxford Federal Credit Union

    6.90%APR

    Up to
    17.90% APR

    Oxford Federal Credit Union rates

  • Top Carrot, Carrot Score 90

    2nd-lowest rate

    Family First Credit Union

    8.90%APR

    Up to
    —

    Family First Credit Union rates

Compare credit card rates near you →

Tampa Bay Federal Credit Union credit card score

69

Credit card score

Higher than 23% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR12.75%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Tampa Bay Federal Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
← Tampa Bay Federal Credit Union overview