February 2012




Get your free annual credit reports.  

As provided for by the federal Fair Credit Reporting Act, you can obtain one free report every 12 months from each of the the three nationwide consumer reporting companies. Stagger the reports every four months in rotation so you can keep tabs throughout the year.


Only one website has been officially authorized to provide credit reports: AnnualCreditReport.com. You also can call 877-322-8228 or complete a request form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You'll need your name, address, Social Security Number (SSN), and date of birth. You may need to provide some details to verify that it's you making the request. 

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Survey Coming! 

Within the next few days, you will be receiving a brief survey from us via email. 
It will only take a minute to fill it out and send it back to us and will provide invaluable 
input on how we're doing to serve your changing financial needs. 

Please take a moment to complete it. Thank you in advance for your input!
Homebuyer Privileges
The Homebuyer Privileges program 
offers discounts from partners including moving companies, home repair and decorating companies, and more.

Tampa Bay Federal Home Loans. 

Local Lenders. Local Servicing. 

Personal Service.


First Time Homebuyer Program

  • Less than 20% down (PMI approval required)
  • 10, 15, 20, or 30 year terms at a fixed rate
  • Single family owner-occupied residences
  • Reduced closing costs
  • Automatic approval for a $1,000 TBF VISA
  • Enrollment in Genworth Home Owners Program, including Homebuyer Privileges
Haven't had a mortgage in three years or more? You may qualify too! 


Visit our website for all the details.


Conveniently apply online or contact our loan officers

Jay Kim at 813-541-4002 or Mike Birch at 813-545-6697 for assistance.

Home & Family Finance
What's Your Time Worth?
"The best use of your time might be to do exactly nothing."


Ever felt like you've 'wasted' your time? Been concerned about how you're 'spending' your time? The way you value your time affects many of your choices, from what you do in your leisure time to how you spend your money. 


This month's Financial Fitness Challenge helps you calculate the value of your time so you can make wise decisions about how you spend. Check out this month's Financial Fitness Challenge, register, and you could win $50!


 All about this month's Challenge >>

Register for the Challenge >>

Financial Fitness Challenge Rules >>


White Car



We can help you buy, refi, 

or maintain, with no payment for 90 days!**


Looking for a quality used vehicle?:  Our partner CU AutoBranch works closely with Tampa Bay Federal and our members for a no-haggle buying experience. Browse their current inventory online, visit them at 6311 E. Hillsborough Avenue in Tampa, or call them at 813-249-2886. Tell them we sent you!


Special member pricing: Experience our exclusive buying service where local dealerships compete for your business, offering a wide selection of new and pre-owned vehicles priced just for credit union members.

Search now >


.25% rate discount for buying GREEN: We love green cars! So much so that we're offering a .25% discount on your rate when you finance your qualifying vehicle with us.

Get the details >


Want to keep your car but get more out of it?: If you've financed elsewhere, we might be able to save you some money! Contact us to compare rates and monthly payments. Need some new tires or want to tint your windows? We provide loans on the equity you have in your vehicle so you can use the cash for maintenance or upgrades.  

Apply here >


Rates as low as 2.49%*

New rates apply to model years 2008 to 2012. 

Get pre-approved before you shop: 

log in to Online Banking and click on Applications; 

call 813-247-4414 ext. 7617; or visit any branch.


*Annual Percentage Rate based on term, creditworthiness, and automatic payment. Rate subject to 

change. **Subject to credit approval. Restrictions may apply. New loans only. Interest will continue to accrue over the 90 days. Rates and terms subject to change. Limited time offer. 


View all rates >

More resources >

Get pre-approved > 

Girl with Bills

Is your budget still stuffed from the holidays?


If the bills are rolling in from holiday spending, now is a great time to consolidate and manage your payment. We have debt management solutions that will fit your budget. 


NOW, consolidate your higher rate balances to your TBF credit card with a NO FEE balance transfer! For a limited time only! Contact us to get started!


Thank you for subscribing to Tampa Bay Federal's monthly newsletter, through which you receive valuable information regarding your changing financial needs.  We look forward to serving you...with pleasure.




75 Years Thank You 

Nancy Smith, Retail Sales & Service

Tampa Bay Federal Credit Union


*Annual Percentage Yield. Rate subject to change.


President's Day   

Sat., Feb. 18 & Mon., Feb. 20

All offices closed  


       NCUA Label  Equal Housing Lender Logo


 Serving Ybor Heights, North Tampa, Town 'n' Country, Riverview, and Brandon