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Trax Credit Union


Overview / Commentary
www.traxcu.com
813-621-6661
3710 N 50th St
Tampa, FL 33619

Trax Credit Union is headquartered in Tampa and is the 38th largest credit union in the state of Florida. It is also the 729th largest credit union in the nation. It was established in 1935 and as of June of 2022, it had grown to 73 employees and 42,868 members at 9 locations. Trax Credit Union's CD rates are 17% higher than 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).
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Health
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #24703
Year Chartered1935
Employees73
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD5.84%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$480.8MM$441.5MM
LoansQ2 2022vs Q2 2021$208.0MM$179.0MM
DepositsQ2 2022vs Q2 2021$423.3MM$387.0MM
Equity CapitalQ2 2022vs Q2 2021$51.7MM$48.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$988.00K$1.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.2MM$697.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$192.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Trax Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%*$5$500Youth Share
OTHER TIERS: 0.05% → $500+
0.25%$5-IRA Share Savings
0.25%$5-Roth IRA Savings
0.05%$5-Regular Share
0.05%$5-Christmas Club

Trax Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Management
OTHER TIERS: 0.10% → $2k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k

Trax Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$4k-Choice Plus Checking - First $2,500
0.01%$4k-Choice Plus Checking - Over $2,500

Trax Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$100k-3 Year Jumbo Share Certificate
3.00%$500-3 Year Share Certificate
2.80%$100k-5 Year Jumbo Share Certificate
2.60%$500-5 Year Share Certificate
2.50%$100k-4 Year Jumbo Share Certificate
2.30%$500-4 Year Share Certificate
1.70%$100k-2 Year Jumbo Share Certificate
1.50%$500-2 Year Share Certificate
1.50%$100k-18 Month Jumbo Share Certificate
1.30%$500-18 Month Share Certificate
1.05%$100k-1 Year Jumbo Share Certificate
0.90%$100k-6 Month Jumbo Share Certificate
0.85%$500-1 Year Share Certificate
0.70%$500-6 Month Share Certificate

Trax Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$100k-3 Year Jumbo IRA Share Certificate
3.00%$500-3 Year IRA Share Certificate
2.80%$100k-5 Year Jumbo IRA Share Certificate
2.60%$500-5 Year IRA Share Certificate
2.50%$100k-4 Year Jumbo IRA Share Certificate
2.30%$500-4 Year IRA Share Certificate
1.70%$100k-2 Year Jumbo IRA Share Certificate
1.50%$500-2 Year IRA Share Certificate
1.50%$100k-18 Month Jumbo IRA Share Certificate
1.30%$500-18 Month IRA Share Certificate
1.05%$100k-1 Year Jumbo IRA Share Certificate
0.90%$100k-6 Month Jumbo IRA Share Certificate
0.85%$500-1 Year IRA Share Certificate
0.70%$500-6 Month IRA Share Certificate
Locations


Trax Credit Union Locations
Branch Office12125 N 56th StTemple Terrace, FL 33617
Branch Office2315 Drane Field RdLakeland, FL 33811
Branch Office3710 N 50th StTampa, FL 33619
Branch Office1209 Kingsway RdBrandon, FL 33510
Branch Office6106 Delancey Station StRiverview, FL 33578
Branch Office1701 W Baker StPlant City, FL 33563
Branch Office3305 Lakeland Hills BlvdLakeland, FL 33805
Branch Office619 30th St NERuskin, FL 33570
Branch Office36239 State Road 54Zephyrhills, FL 33541

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