Trax Credit Union is headquartered in Tampa and is the 37th largest credit union in the state of Florida. It is also the 732nd largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 85 employees and 44,928 members at 9 locations. Trax Credit Union's CD rates are 4X the national average, and it has an A health rating.
Field of Membership Restrictions
Trax Credit Union is open to employees and retirees of the CSX Railroad or Railroad & Industrial Company groups (a full list of more than 500 SEGs is listed on the credit union's website).
See current membership details
Auto Loan.And Extensión
The worst financial institution I know, I do not recommend it to anyone, I asked for an extension of my contract because I was temporarily unemployed and they denied me the extension regardless of the fact that I am a person who makes all my payments on time. That does not matter to them that the client is not in arrears with their payments and is responsible for that reason, it is better for everyone who sees this complaint not to see it as an option for a financial company. the worst in florida
Car Loan, And Auto Insurance Scam
Do not use this Credit union for a loan. In July I bought a car with their loan. Before I drove the car off the lot, I faxed them proof of insurance. 30 days later I got a letter from them saying I didn't have insurance on the car and they would force me to buy their insurance if I didn't prove I had insurance. I had state farm fax them my insurance. 30 more days past and I got a bill for $3000 dollars car insurance. I had gap insurance and maintenance insurance in the loan. When I call about it. They didn't have any of the fax and could not tell me if I had the gap insurance I paid for. When I asked are you that messed up. The lady hung up on me. I have had an account with them over 50 years and had no idea they were that bad on paper work. Be ware they may try to rip you off with car insurance you don't need if you already have your own.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24703 |
| Year Chartered | 1935 |
| Employees | 85 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.12% |
| Return on Equity - YTD | 1.04% |
| Annual Interest Income | $5.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $520.2MM$485.6MM |
| Loans | Q1 2025vs Q1 2024 | $205.8MM$238.8MM |
| Deposits | Q1 2025vs Q1 2024 | $454.7MM$420.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $59.3MM$56.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.7MM$3.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $3MM$2.2MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |