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

Introduction

Welcome to Trax, your trusted financial partner in the heart of Ruskin, FL. Established in 1935, our commitment to serving our community has only strengthened over the years. With a vibrant membership of 44,835 individuals and total assets reaching an impressive $492,796,576, we are dedicated to providing personalized banking solutions tailored to meet your needs. At our branch located at 619 30th St NE, you can expect exceptional service from our team of 91 employees, led by our CEO, Peter Giorgianni, and Board President, Tim McCorkle. We believe that banking is more than just transactions; it's about building lasting relationships with our members and supporting their financial journeys. While members can visit us at 619 30th St NE, Ruskin, FL 33570, official correspondence should be sent to the same address as we keep things simple for you. Our focus on community impact is evident in our total loans amounting to 18,437 and deposits of $50,215,656 showing our unwavering support for both personal and business growth. Whether you're looking for auto loans, mortgages, or simply a safe place to save your money, we offer a range of services designed just for you. We're proud to have cash in hand totaling $2,962,783 and a net worth of $61,347,639, reflecting our stability and reliability as a credit union. We invite you to explore all that Trax has to offer. Feel free to reach out via phone at 813-621-6661 or visit our website at traxcu.com for more information. Let us help you achieve your financial goals today!

Branch History & Mission

Community Engagement

Our commitment extends beyond transactions; it's about building relationships. Through partnerships with local organizations and various community outreach efforts, we aim to uplift those around us. Whether it's through financial literacy programs or sponsoring local events, Trax is dedicated to making a positive impact right here in Ruskin. While members can visit us at 619 30Th St Ne Ruskin Fl 33570, official correspondence should be sent to 619 30th St NE, Ruskin, FL 33570 if different. If you're looking for an inclusive credit union that prioritizes people over profits, look no further than Trax. We invite you to join our family today! Call us at (813) 621-6661 or visit us during our operating hours Monday through Thursday from 8:30 a.m. to 5:00 p.m., and Friday until 6:00 p.m. to learn more about how we can help you achieve your financial goals. Experience the benefits of being part of Trax; together, let's build a brighter future!

Our Mission

At the heart of Trax is our mission: to empower our members by offering exceptional financial products and services while actively supporting our community. We believe that financial wellness goes hand in hand with community engagement. That's why we're committed not just to banking but also to creating opportunities for local outreach and support programs. In addition to traditional banking services such as checking accounts, auto loans, and mortgages, we strive to embrace digital advancements that enhance your experience. From online banking to mobile payments, we ensure that our services are accessible to everyone. We are proud to provide ADA-compliant facilities and resources so that all members can access our services with ease.

Branch Location & Accessibility

Accessibility Features

At Trax, we believe that everyone should have easy access to their financial needs. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and pathways. There's ample parking available to ensure you can reach us without hassle.

Come Visit Us!

We invite you to come experience the difference at Trax! Whether you're looking to open an account or just want to chat about your financial goals, our team is here for you. Stop by today and see how we can help you thrive in your financial journey!

Operating Hours & Services

We understand that life gets busy! That's why our lobby hours are designed for your convenience: we're open Monday through Thursday from 8:30 a.m. to 5:00 p.m. and on Fridays until 6:00 p.m. If you're in need of a quick transaction outside of these hours, don't worry we also offer drive-thru banking for simple transactions like deposits and withdrawals. As part of your membership, you can enjoy a wide range of services including personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and even business banking solutions. Plus, we have an ATM available for quick cash withdrawals whenever you need them. While members can visit us at 619 30th St NE, any official correspondence should be sent to the same address. For any inquiries or assistance, feel free to call us at 813-621-6661.

Member Eligibility

At Trax, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Hillsborough County area, you are likely eligible for membership with us. We take pride in offering a range of services designed to help you thrive financially, whether it's through personal banking, loans, or online banking options. To find out more about specific eligibility details, feel free to visit our website at https://www.traxcu.com/about/membership-matters-survey.html. Opening an account is just as easy! You can start the process online by visiting https://www.mobicint.net/rif-live/autoenrollment/start, or you can give us a call at (813) 621-6661 if you prefer to speak with someone directly. Our team at Trax, located at 619 30Th St Ne Ruskin Fl 33570, is excited to welcome you into our family and help you take the next steps toward achieving your financial goals.

Business Banking & Commercial Services

Business Loan Options

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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are designed to simplify payment processing for your business. Whether you're a small retail shop or a larger enterprise, our solutions help you accept payments easily and securely, enabling you to focus on what matters most growing your business. At Trax, we understand that every business has its own story. Let us be part of yours as you navigate the path to success. For more information, visit us online at Trax Credit Union or call us at (813) 621-6661.

Comprehensive List Of Services

Accessibility

At Trax, we believe that financial services should be accessible to everyone. That's why we offer a friendly environment where members can easily navigate their banking needs. Our staff is always ready to assist you with any questions or concerns at our branch or over the phone at (813) 621-6661 during our operating hours: M-TH from 8:30 a.m. - 5:00 p.m., and Friday until 6:00 p.m.

Business Banking

For entrepreneurs and small business owners, our business banking services include comprehensive solutions like merchant services and business loans. We understand that running a business requires financial flexibility, which is why we're here to support your growth every step of the way.

Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features, allowing you to manage your finances anytime, anywhere. With options for ATM and cash withdrawal services, as well as basic drive-thru banking for deposits and withdrawals, accessing your money has never been easier. Our digital capabilities also extend to person-to-person payments, making it quick and simple to send money to friends or family with just a few taps on your phone. And if you prefer traditional banking methods, we provide basic shared branch transactions for deposits and withdrawals with partner credit union members.

Join Us Today!

Experience the difference at Trax, where we are committed to providing personalized service tailored just for you. Whether you're looking for personal finance solutions or business support, we're here for all your needs. Visit us today at 619 30Th St Ne Ruskin Fl 33570 or explore more about what we offer by visiting our website at Southshore. Let's take this journey together!

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking options have you covered. We offer a variety of checking and savings accounts tailored to help you save while enjoying easy access to your funds. For those considering a new vehicle, our auto loans and vehicle financing make it simple and affordable to drive away in the car you want. If homeownership is your dream, explore our mortgage loans and refinancing options designed to suit different budgets. Need extra cash for unexpected expenses? Our personal loans and debt consolidation solutions can help put you back on track without the stress of high-interest rates. Plus, with our credit cards featuring rewards, every purchase can earn you points towards future benefits.

Digital & Online Banking

Easy Access Anytime

With our 24/7 online banking services, available at https://www.traxcu.com/, you can check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your accounts has never been easier.

Go Paperless

Say goodbye to paper clutter! Enjoy the benefits of e-statements with Yes. You can access your statements online whenever you need them, making it easy to keep track of your finances without the mess of paperwork.

Secure Transactions

Your security is our top priority. We provide electronic signature authorization, ensuring that your transactions are safe and secure. Plus, our mobile payments feature allows you to make quick payments right from your smartphone, giving you peace of mind while you shop or dine out.

Stay Connected

Our mobile application makes it simple to manage your accounts on the go. With the ability for person-to-person transfers, sending money to friends or family is fast and hassle-free. No more waiting in line; everything you need is right at your fingertips. At Trax, we are committed to providing accessible and user-friendly banking solutions tailored to fit your lifestyle. Explore all our digital banking options today and enjoy a more convenient way to bank!

Financial Strength

Growing Trust

With total share accounts reaching 78,557, it's clear that more people trust us with their finances. We ensure that every member receives personal attention tailored to their needs. 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 619 30Th St Ne Ruskin Fl 33570 or call (813) 621-6661 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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

Member-Centric Savings

Your savings are in good hands. Members' funds 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 performance speaks volumes about our operational efficiency; our $383,400 allows us to keep 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 who are always ready to assist you with knowledgeable support.

Solid Financial Foundation

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 12.61% 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, with over $92,448,317 in used vehicle loans and $33,084,019 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our financing options can cater to your needs.

Credit Lines and Unsecured Credit Cards

For those seeking flexible borrowing options, we provide access to credit lines totaling $347,692,725. These can be an excellent resource for managing larger purchases or unexpected expenses. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $6,143,341 in loans helping members manage their finances effectively. At Trax, we pride ourselves on understanding your individual circumstances. If you're interested in refinancing any existing loans or checking your eligibility for any of our loan products, don't hesitate to reach out. You can contact us at (813) 621-6661 or visit us at our branch located at 619 30Th St Ne Ruskin Fl 33570 in Ruskin, FL. We're here to help you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $40,472,089, make buying or refinancing simple. We believe in making the path to homeownership as smooth as possible for our members.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To explore the best loan options available to you, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

TRAX FEDERAL CREDIT UNION - Ruskin, FL

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