Federal Tax Rate Too Low?

Hey everyone! When I google the Federal tax rate for 2016 for taxable income of 33k it shows that it should be 15%. However, when I do my taxes using TurboTax, once I am all done keying in the data, TurboTax is saying my effective tax rate is 9.42%. How can this be when $0 to $9,275 income is 10% interest. I want to be sure I'm doing this right or perhaps an error on TurboTax's end. (https://www.bankrate.com/taxes/2016-tax-bracket-rates/) 

My Adjusted Gross income was 37,010.00 and taxable income is $26,660.00. I did have taxes withheld as I had worked for a bank. Federal income that was withheld was 4104.43, not sure if this lowers the tax rate?