Credit union · NCUA insured
Tampa Postal Federal Credit Union
Top CarrotA $99.7M credit union headquartered in Lutz, FL, with 6,021 members and 4 branches in Florida. Best rates: CDs 3.50% and savings 0.35% APY.
Tampa Postal Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#12 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tampa Postal Federal Credit Union
Headquartered in Lutz, Florida, Tampa Postal Federal Credit Union serves postal employees throughout Florida and across the country.
- Headquarters
- 15916 N Florida Ave, Lutz, FL 33549
- NCUA charter
- 4395
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current employees of participating Select Employee Groups residing in designated Florida counties are eligible for membership.
Military, government and schools
- United States Government employees or retirees who work or reside in Lee, Collier, Hendry, or Charlotte Counties are eligible for membership.
- Members of the National Association of Letter Carriers (NALC) or American Postal Workers Union (APWU) residing in designated Florida counties are eligible for membership.
- Current or retired USPS employees residing in designated Florida counties are eligible for membership.
Family and household
- Family members of USPS employees or Select Employee Group employees who reside in designated Florida counties are eligible for membership.
- Household members living in the same residence as a current TPCU member and maintaining a single economic unit who reside in designated Florida counties are eligible for membership.
Cost to join
- A $5 one-time membership fee is required when joining the credit union.
- Opening an account requires an initial share deposit of $5 that remains in the Share Savings Account.
Branches
4 branches in Florida
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Florida
4 branches
Tampa area · 3
- Florida Ave. OfficeMain office15916 N Florida Ave, Lutz, FL 33549Directions
- Brandon Office959 E Brandon Blvd, Brandon, FL 33511Directions
- Airport Office3501 Bessie Coleman Blvd, Tampa, FL 33630Directions
Cape Coral area · 1
- Ft. Myers Branch4125 Cleveland Ave Ste 1855, Fort Myers, FL 33901Directions
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 | 11.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.21% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio11.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.21%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Postal 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.