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Savings & Investments

As a member of Tampa Postal FCU, you gain access to a variety of accounts designed to help you grow your savings. We offer accounts for all stages of your life and each has its own unique advantages. If you have any questions about the different accounts available, please Contact the Credit Union at your convenience. 

Tampa Postal FCU does offer financial planning and additional investment opportunities, such as stocks, mutual funds, and bonds. However, the Credit Union recommends that you first build an emergency savings fund equal to at least 3-6 months of your current living expenses prior to seeking these risk-based investment opportunities.


Share Savings Account

  • $5 Required to Open Account
  • Earn Dividends on Your Savings
  • No Monthly Service or Maintenance Fee
  • Free 24/7 Online Banking
  • Free 24/7 Automated Phone Banking
  • Withdraw Cash at 28,000+ Surcharge Free ATMs with Your TPCU ATM Card

* All members of Tampa Postal FCU are required to have an active Share Savings Account in order to be members of the Credit Union.

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Money Market Account

  • $1,000 Minimum Deposit to Open Account
  • Earn Tiered Dividends on Your Savings
  • No Monthly Service Fee or Maintenance
  • Free 24/7 Online Banking
  • Free 24/7 Automated Banking

Investment Advantage

Money Market Accounts allow you to deposit additional funds into your account whenever you want. Your money is not “locked” into your account and you have the ability to withdraw money as needed without any penalties (if your balance goes below $1,000, you will not earn dividends until it is brought back up to $1,000). The dividend rates are tiered; meaning the more you have in your account, the higher the dividends you will earn!

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Certificate Account

  • $500 Minimum Deposit to Open Account
  • Earn Higher Dividends on Your Savings
  • No Monthly Service Fee or Maintenance
  • Free 24/7 Online Banking
  • Free 24/7 Automated Banking

Investment Advantage

Certificate Accounts provide Guaranteed Returns on the money you invest! Your investment is locked into the rate available at the time of opening your account. The rates are fixed and will not change during the term of your account. You are not able to withdraw money during the term (without a penalty). In exchange for locking your money into a fixed term, Certificate Account dividend rates are higher than other Savings Accounts.

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Christmas Club Account

  • $5 Minimum Deposit to Open Account
  • Earn Dividends on Your Savings
  • No Monthly Service Fee or Maintenance
  • Free 24/7 Online Banking
  • Free 24/7 Automated Phone Banking

Investment Advantage

Christmas Club Accounts are a great way to save money for special occasions such as Christmas, vacations or even weddings. The account may be opened as soon as November 1st and will remain open until October 31st of following year. Then your money will be disbursed to you in the manner you choose. You may continue to add money to your account, but you will not be able to withdraw it (unless you close the account). This is a great account designed to help you get in the habit of saving regularly.

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Individual Retirement Accounts (IRA)

  • Savings Account:  $5 Minimum Deposit to Open Account
  • Certificate Account:  $500 Minimum Deposit to Open Account
  • Both Traditional and Roth IRA Accounts are available.

Investment Advantage

Individual Retirement Accounts offer the benefit of dividends earned being tax deductible. You are limited in the amount you are able to deposit into your IRA each calendar year. Check with your tax advisor for tax advantages and deductions or Contact a Member Service Representative at 800.782.4899 to discuss the different account options.

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Youth Savings Accounts*

It is never too early to begin teaching your child the importance of managing money. A Youth Account from Tampa Postal FCU is the best first step toward helping your child become a great saver and wise spender.

  • $5 Minimum Deposit to Open Account
  • Earn Dividends on Your Savings
  • No Monthly Service or Maintenance Fee
  • Free 24/7 Online Banking
  • Free 24/7 Automated Phone Banking

*Parent must be co-signed on account.

OPEN ACCOUNT