Credit union · NCUA insured
Tampa Bay Federal Credit Union Savings Rates
Tampa Bay Federal Credit Union’s best savings rate is 0.05% APY, with its Regular Share Savings, with extra requirements. Rates checked October 15, 2026.
How Tampa Bay Federal Credit Union’s savings 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
0.05%APY
- Requires
- Another account
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Share Savings
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Money Market
0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 and up | 0.07% | — |
Sources (1)
- tampabayfederal.com/rates · captured Oct 5, 2026
Regular Money Market
Up to 0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $3,500 – $10,000 | 0.02% | — |
| $50,000 and up | 0.05% | — |
Sources (1)
- tampabayfederal.com/rates · captured Oct 5, 2026
Jump Start Savings
0.05%APY
Every debit card purchase/checking transaction rounded up to nearest dollar and transferred in one daily lump sum to Jump Start Savings. If checking balance is less than $50, change will not transfer. No monthly fees. Dividends paid monthly. Fees may reduce earnings on share accounts. Automatic deposit of $25 debited monthly from TBF Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. If checking balance is less than $50, change is not transferred. No monthly fees.$500 and up | 0.05% | $5 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. If checking balance is less than $50, change is not transferred. No monthly fees. |
Sources (3)
All captured Oct 5, 2026
Regular Share Savings
0.05%APY
Open with just $5, which also establishes membership. Automatic transfers each month available. Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.$500 and up | 0.05% | $5 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. |
Special Savings
0.02%APY
For important special needs (vacation, car down payment, large screen TV). Fees may reduce earnings on share accounts. Automatic deposit of $25 debited monthly from TBF Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.$500 and up | 0.02% | $2 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. |
Mortgage Escrow
0.00%APY
Fees may reduce earnings on share accounts. Automatic deposit of $25 debited monthly from TBF Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.$500 and up | 0.00% | $0 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. |
Sources (1)
- tampabayfederal.com/rates · captured Oct 5, 2026
Single Service Savings
0.00%APY
Fees may reduce earnings on share accounts. Automatic deposit of $25 debited monthly from TBF Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.$500 and up | 0.00% | $0 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. |
Sources (1)
- tampabayfederal.com/rates · captured Oct 5, 2026
Special-purpose accounts
Coverdell Educational Savings
0.10%APY
Variable rate. Annual contribution limit $2,000. No tax-deductible contributions. Distribution by 30. Earnings tax deferred. Automatic transfer and payroll deduction for any amount available. Fees may reduce earnings on share accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $49,999Variable rate. Fees may reduce earnings on share accounts. | 0.10% | $10 | Variable rate. Fees may reduce earnings on share accounts. |
| $50,000 – $99,999Variable rate. Fees may reduce earnings on share accounts. | 0.15% | — | Variable rate. Fees may reduce earnings on share accounts. |
| $100,000 and upVariable rate. Fees may reduce earnings on share accounts. | 0.20% | — | Variable rate. Fees may reduce earnings on share accounts. |
Roth IRA Savings
0.10%APY
Variable rate. Annual contribution limit $5,000 or 100% of earned income (whichever is less). No tax-deductible contributions. Distribution 5 years after holding period and 59 1/2. Earnings tax deferred. Automatic transfer and payroll deduction for any amount available. Fees may reduce earnings on share accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $49,999Variable rate. Fees may reduce earnings on share accounts. | 0.10% | $10 | Variable rate. Fees may reduce earnings on share accounts. |
| $50,000 – $99,999Variable rate. Fees may reduce earnings on share accounts. | 0.15% | — | Variable rate. Fees may reduce earnings on share accounts. |
| $100,000 and upVariable rate. Fees may reduce earnings on share accounts. | 0.20% | — | Variable rate. Fees may reduce earnings on share accounts. |
Traditional IRA Savings
0.10%APY
Variable rate. Annual contribution limit $5,000 or 100% of earned income (whichever is less). Tax-deductible contributions within qualifications. Distribution at 59 1/2; mandatory at 70 1/2. Earnings tax deferred. Automatic transfer and payroll deduction for any amount available. Fees may reduce earnings on share accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $49,999Variable rate. Fees may reduce earnings on share accounts. | 0.10% | $10 | Variable rate. Fees may reduce earnings on share accounts. |
| $50,000 – $99,999Variable rate. Fees may reduce earnings on share accounts. | 0.15% | — | Variable rate. Fees may reduce earnings on share accounts. |
| $100,000 and upVariable rate. Fees may reduce earnings on share accounts. | 0.20% | — | Variable rate. Fees may reduce earnings on share accounts. |
Holiday Club
0.03%APY
Allows deposits in advance to be ready for the holidays. Fees may reduce earnings on share accounts. Automatic deposit of $25 debited monthly from TBF Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upAutomatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts.$500 and up | 0.03% | $3 | Automatic deposit of $25 debited monthly from TBF Checking Account. Fees may reduce earnings on share accounts. |
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.