Tampa Bay Federal is a not-for-profit financial cooperative, owned and operated by its members - not stockholders. This is one of many things that differentiates a Credit Union from other financial institutions. The money saved by our members is lent to other members. After operating expenses and reserve requirements are met, income from loans and other revenue is returned to all members in the form of great rates, lower fees, and a comprehensive selection of financial services. Tampa Bay Federal is proud to live the credit union philosophy of "people helping people" for its members and the community.