Trax Credit Union Lakeland FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Trax, your trusted financial partner in the heart of Lakeland, Florida! Located at 2315 Drane Field Rd, we have been serving our community since 1935. With a strong commitment to providing personalized banking solutions, we proudly support over 44,835 members and manage total assets of $492,796,576. At Trax, we understand that financial stability is vital for both individuals and businesses. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our dedicated team of 91 employees, led by CEO Peter Giorgianni and Board President Tim McCorkle, is here to help you navigate your financial journey with confidence. While members can visit us at our branch address, official correspondence should be sent to the same address: 2315 Drane Field Road, Lakeland, FL 33811. Whether you're looking to open an account or apply for a loan, our friendly staff is ready to assist you during our convenient hours Monday through Thursday from 8:30 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 6:00 p.m. With total loans amounting to 18,437 and deposits reaching $50,215,656, Trax stands as a pillar of trust in the community. We also maintain a net worth of $61,347,639, ensuring we are well-positioned to meet your financial needs now and into the future. Join us today and experience the difference at Trax! For any inquiries or assistance, feel free to reach us at (813) 621-6661. Visit our website at traxcu.com for more information on how we can serve you better!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Trax embraces digital advancements that enhance your banking experience. From online banking and mobile payments to electronic signatures and e-statements, we prioritize convenience without compromising security. Our drive-thru service offers you quick access to essential transactions while maintaining your comfort.

Join Us

We invite you to be part of our growing family at Trax. Experience firsthand how we blend financial expertise with genuine care for our members. Visit us today at 2315 Drane Field Rd or reach out at 813-621-6661 for any inquiries. Together, let's build a brighter future for you and our community!

Our Mission

At Trax, our mission is clear: we strive to provide exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to quality banking solutions that meet their needs. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We are not just about transactions; we are committed to building relationships. By supporting local events and initiatives, we aim to uplift the community that has supported us throughout the years. Our partnerships with various organizations ensure that we contribute meaningfully to the lives of those around us.

Branch Location & Accessibility

Accessibility Features

At Trax, we prioritize making banking accessible for everyone. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure that all members can easily visit us. If you prefer to take care of your banking needs without stepping inside, we offer a drive-thru service for quick deposits and withdrawals.

Operating Hours

We understand how busy life can get. That's why we're here for you Monday through Thursday from 8:30 a.m. to 5:00 p.m., and Fridays until 6:00 p.m., giving you plenty of time to visit us after work or during your lunch break.

Services Offered

Whether you're looking to open a new checking account, apply for an auto loan, or need assistance with online banking, our friendly team is ready to help. We also provide ATM services for cash withdrawals and balance checks at your convenience. While members can visit us at 2315 Drane Field Rd, official correspondence should be sent to our mailing address at 2315 Drane Field Road, Lakeland, FL 33811. If you have any questions or need assistance, feel free to give us a call at 813-621-6661. We invite you to come by and discover how Trax Credit Union can support your financial journey today!

Member Eligibility

At Trax, we believe that everyone deserves a chance to thrive, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the area around Lakeland, you may be eligible to join us! We pride ourselves on providing personalized financial services tailored to your needs, whether you're looking for savings accounts, auto loans, or other banking solutions. To get all the details on who can join and how to become part of our family, please check out our eligibility criteria at https://www.traxcu.com/about/membership-matters-survey .html . Once you're ready to open an account, the process is straightforward and friendly just visit us at https://www.mobicint.net/rif-live/autoenrollment/start or give us a call at (813) 621-6661. We're here to support you every step of the way at 2315 Drane Field Rd Lakeland Fl 33811!

Business Banking & Commercial Services

Loan Options for Every Business Need

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services That Make Life Easier

In addition to loans, our merchant services simplify transactions and enhance customer experiences. Imagine accepting payments quickly and securely, whether online or in-person. Our solutions allow you to focus on what you do best growing your business while we handle the details. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Join us at Trax, located at 2315 Drane Field Rd Lakeland Fl 33811 in Lakeland, FL, and let's take your business to the next level together! For more information, call us at (813) 621-6661.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we have tailored services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to help guide you through your financial decisions.

Convenient Access Points

Accessibility is key at Trax. We have an ATM available for cash withdrawals, along with basic drive-thru banking services where you can handle deposits and simple transactions without leaving your vehicle. For those who bank with partner credit unions, we also offer basic shared branch transactions for deposits and withdrawals.

Credit and Loans

We understand that life can sometimes bring unexpected expenses. That's why we offer personal loans and debt consolidation solutions designed to provide relief when you need it most. Also, our credit cards come with attractive rewards, making everyday purchases even more rewarding.

Digital Features for Modern Banking

In today's fast-paced world, convenience is crucial. Our digital banking features include mobile payments and person-to-person transfers, allowing you to send money effortlessly to friends or family whenever needed. And with options like electronic statements, managing your accounts is simpler than ever. Feel free to reach out to us at (813) 621-6661 or visit us at 2315 Drane Field Rd Lakeland Fl 33811, where our friendly staff is ready to assist you with any questions or services you may need. At Trax, we're not just about transactions; we're about building lasting relationships with our members. Ready to take the next step? Visit us online at https://www.traxcu.com/ today!

Personal Banking Services

When it comes to personal banking, we offer an array of options designed with you in mind. Whether you're looking to open a checking or savings account, we make it easy and convenient for you. Imagine having the ability to manage your finances right from your phone with our online and mobile banking features. You can check balances, transfer funds, and pay bills all at your fingertips. If you're considering purchasing a new vehicle, our auto loans and vehicle financing services provide competitive rates that can help you drive off in your dream car without breaking the bank. Plus, if you're looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing options are here to support you every step of the way.

Digital & Online Banking

At Trax, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to give you control over your money anytime, anywhere. With our services, you can enjoy the convenience of banking at your fingertips. Our online banking platform is accessible 24/7, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can get started by visiting us at https://www.traxcu.com/ . For those who prefer mobile banking, our mobile application offers a user-friendly experience. You can easily manage your accounts and access essential features like mobile payments to make transactions quick and hassle-free. Security is a top priority at Trax. We provide electronic signature authorization, ensuring that your online transactions are not only efficient but also safe. Additionally, our members can opt for e-statements, which allow you to receive your financial documents electronically, reducing clutter and promoting eco-friendliness. Need to send money to a friend or family member? Our person-to-person transfers make it simple to send funds instantly without the need for cash or checks. Whether you're paying someone back or sending a gift, this feature adds another layer of convenience to your banking experience. With all these tools at your disposal, managing your finances has never been easier. Join us at Trax and take advantage of our digital banking solutions today!

Financial Strength

Commitment to Growth

With $59,991,622 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, with $4,746 in used auto loans and $224,139,435 in total loans and leases supporting members' financial goals across various sectors.

Growing Membership Base

Total Share and Deposit Accounts: 78,557, showing a strong and growing member base that trusts us with their finances. This trust is the foundation of our service model as we strive to meet your needs with personalized attention. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Trax is your trusted partner. Visit us at 2315 Drane Field Rd Lakeland Fl 33811 or call (813) 621-6661 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $152,371,343 in share certificates and $96,823,910 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 85 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $61,347,639, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,261 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $92,448,317 in used vehicle loans and $33,084,019 in new vehicle loans to help members get on the road. Whether you prefer financing a new model or a reliable pre-owned vehicle, we provide flexible terms that make it easier for you.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans provide the capital needed to expand operations. While currently we don't have outstanding commercial loans available at this branch location, feel free to inquire about future offerings that may suit your business needs. At Trax, we're dedicated to providing personalized service tailored to each member's unique circumstances. If you're interested in exploring any of these loan products or have questions about refinancing options and eligibility requirements, please reach out to us at 813-621-6661 during our operating hours: Monday through Thursday from 8:30 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 6:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit our website at Trax for more information or to apply for a loan today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $40,472,089, making buying or refinancing simple. We also offer eligibility options for those interested in refinancing their current mortgage to potentially lower their monthly payments.

Unsecured Credit Card Loans

Managing finances can be overwhelming at times. That's why we also offer flexible terms on unsecured credit card loans. With a total of $6,143,341 in unsecured credit card loans helping our members effectively manage their finances, you can enjoy the convenience and security of having accessible funds when you need them.

Loan Aggregator

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Call to Action

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Trax