Trax Credit Union Tampa FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Trax, your trusted financial partner located at 3710 N 50Th St, Tampa, FL 33619. Since our establishment in 1935, we have dedicated ourselves to serving our community with integrity and reliability. With a total membership of 44,835 and assets exceeding $492,796,576, we pride ourselves on being a cornerstone of financial support for individuals and families in the Tampa area. At Trax, we understand that every member's financial journey is unique. Our diverse offerings include personal banking solutions like checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Whether you're looking to finance your next vehicle or consolidate debt, we're here to help you every step of the way. Led by our experienced CEO, Peter Giorgianni, and Board President Tim McCorkle, our team of 91 employees is committed to providing exceptional service. We believe in building lasting relationships with our members while ensuring that their financial needs are met efficiently. While members can visit us at our branch address, official correspondence should be sent to 3710 50th St N, Tampa, FL 33619 if different from our physical location. With total deposits amounting to $50,215,656 and a net worth of $61,347,639, Trax is well-equipped to support our members' goals. Our commitment to transparency and community impact sets us apart as a reliable choice for your financial needs. We invite you to explore all that Trax has to offer by visiting us online at traxcu.com or calling us at 813-621-6661. Your journey towards financial success starts here!

Branch History & Mission

At Trax, we take pride in our rich legacy of service and commitment to the community. Established in 1935, our branch has grown alongside the vibrant city of Tampa, FL. Since our inception, we have been dedicated to providing exceptional financial services that prioritize the needs of our members. Located at 3710 N 50th St, Tampa, FL 33619, our branch serves as a cornerstone for local families and businesses. Over the decades, we have expanded our offerings to include a wide range of services such as checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. Today, we proudly support over 44,835 members and manage total assets of approximately $492,796,576. Our mission is straightforward: to empower our members by providing accessible financial solutions while supporting the communities we serve. We believe that financial health is crucial for individual success and community growth. That's why we are committed not only to offering competitive rates and innovative products but also to engaging in meaningful outreach efforts within Tampa. While members can visit us at 3710 N 50th St, official correspondence should be sent to 3710 50th St N, Tampa, FL 33619 if it differs from the branch address. Our operating hours are convenient Monday through Thursday from 8:30 a.m. to 5:00 p.m. and Friday until 6:00 p.m. This makes it easier for you to access the financial support you need when it matters most. Trax is equipped with modern features like online banking and mobile payments to enhance your banking experience. We understand the importance of accessibility; therefore, we offer ATM services and drive-thru banking for quick transactions without leaving your vehicle. Our shared service center allows us to collaborate with partner credit unions to extend our reach even further. We are proud of our strong ties within the community. Through various partnerships and outreach programs, Trax actively contributes to local initiatives aimed at improving lives and fostering economic development in Tampa. Join us at Trax today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused institution that cares deeply about its members' well-being. Whether you're looking for a loan or simply want advice on managing your finances better, we're here for you every step of the way. Reach out at 813-621-6661 or visit us online at traxcu.com. Let's build a brighter future together!

Branch Location & Accessibility

Convenience and Accessibility

At Trax, we prioritize your convenience. Our branch features ample parking with easy access for everyone, including those with mobility challenges. We are proud to comply with ADA standards and have ramps available for easy entry into our building.

Operating Hours

We know that banking hours can often be a challenge for busy schedules. That's why our lobby is open from 8:30 a.m. to 5:00 p.m. Monday through Thursday, and on Fridays until 6:00 p.m. This gives you plenty of time during the week to come in and take care of your banking needs.

Services Offered

Our branch offers a wide array of services tailored to meet your financial needs from checking and savings accounts to auto loans, mortgage options, personal loans, and credit cards with rewards. Plus, we have an ATM on site for quick cash withdrawals and basic transactions. If you prefer the drive-thru experience, we've got you covered there too! You can handle deposits, withdrawals, and other simple transactions without ever leaving your car. In addition to our services, we also participate in shared branching. This means if you're a member of partner credit unions, you can conduct basic transactions like deposits and withdrawals right here at Trax. If you have questions or need assistance, don't hesitate to reach out! Give us a call at 813-621-6661, and our friendly team will be more than happy to assist you.

Visit Us Today!

We invite you to visit us at Trax for all your banking needs. Whether you're looking for a new account or need guidance on loans and financing options, our knowledgeable staff is ready to help you every step of the way. Come see how we can support your financial journey!

Member Eligibility

At Trax, we believe that everyone deserves a chance to thrive in a supportive financial community. Joining us is simple and welcoming! If you live, work, or attend school in the Tampa area, you're likely eligible to become a member. We value individuals and families from all walks of life, so whether you're starting your financial journey or looking for better options, we're here for you. To learn more about our specific eligibility criteria, feel free to visit [this link]( https://www.traxcu.com/about/membership-matters-survey .html ) for detailed information. Becoming a member at Trax means gaining access to a range of financial services designed with your needs in mind, including personal banking solutions, auto loans, and much more. The process to open an account is straightforward; just check out our account opening page for easy steps to get started. If you have any questions or need assistance, don't hesitate to reach out to us at (813) 621-6661. We're excited to welcome you into our family at Trax, located at 3710 N 50Th St Tampa Fl 33619!

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 today's fast-paced market, efficient payment processing can set your business apart. Our merchant services provide easy-to-use solutions that help you accept payments seamlessly, whether online or in-person. Imagine a customer walking into your shop and making a purchase without hassle our services make this possible, allowing you to focus on what matters most: growing your business. Visit us at 3710 N 50Th St Tampa Fl 33619 in Tampa, FL or call us at (813) 621-6661 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key in today's fast-paced world. That's why we offer ATM and cash withdrawal services at various locations, ensuring that you can access your money when you need it most. Plus, our drive-thru banking offers simple transactions like deposits and withdrawals without ever leaving your car.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our competitive auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. We offer flexible terms that cater to your budget, making it simple to drive away in your dream vehicle.

Business Banking

For our entrepreneurial members, our business banking services provide everything from merchant services to business loans. We know running a business comes with its own set of challenges, so let us assist you in managing your finances efficiently, allowing you to focus on what truly matters growing your business.

Credit Cards with Rewards

Why not earn rewards while you spend? Our credit cards come with benefits that let you earn points or cash back on everyday purchases. Use them wisely, and watch as those rewards add up perfect for treating yourself when the time is right!

Mortgage Loans & Refinancing

If homeownership is on your radar, consider our mortgage loans and refinancing options. We work with you to find a loan that fits your needs, whether you're purchasing a new home or refinancing an existing mortgage to secure a better rate. Imagine lowering your monthly payments and achieving greater financial freedom!

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are tailored to fit your lifestyle. Imagine easily managing your day-to-day expenses while also saving for future goals all from your smartphone or computer through our user-friendly online and mobile banking platforms. With features like e-statements and mobile payments, keeping track of your finances has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. Whether you need funds for home repairs or want to consolidate multiple debts into one easy payment, we're here to support you with favorable terms and personalized service.

Shared Branch Transactions

If you're a member of one of our partner credit unions, enjoy the ease of basic shared branch transactions such as deposits and withdrawals right here at Trax. This means more flexibility for you! At Trax, we pride ourselves on offering accessible financial solutions tailored for every member's unique situation. Have questions or want more information? Don't hesitate to reach out! Call us at (813) 621-6661 or visit our website at Main today! Your journey towards smarter financial choices begins here.

Digital & Online Banking

Accessibility and Ease of Use

We believe that banking should be accessible for everyone. That's why we've made it easy for you to navigate our online services. From signing up for e-statements to downloading our mobile app, everything is straightforward and user-friendly. If you're ready to take advantage of these features or want more information about how they can benefit you, visit us at https://www.traxcu.com/ . Experience the freedom of digital banking with Trax today!

Key Features

Our online banking platform provides you with real-time access to your accounts, allowing you to check balances, transfer funds, and pay bills anytime you need. Whether you're at work or enjoying a weekend outing, you can rely on our mobile application for quick and easy access. Plus, with our person-to-person transfer feature, sending money to friends or family is just a few taps away. Security is a top priority for us at Trax. We use electronic signature authorization to ensure that your transactions are safe and secure. You can also opt for e-statements, which not only help the environment but also provide easy access to your financial information without the clutter of paper statements. For those who prefer making payments through their mobile devices, our mobile payments feature allows you to pay securely with just a tap. This convenience means you can leave your wallet at home without worrying about missing any payments.

Financial Strength

A Solid 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 $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.

Growing Together

Total Share Accounts: 78,557, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 3710 N 50Th St Tampa Fl 33619 or call (813) 621-6661 to learn more about how we can help you achieve your financial goals.

Investment in 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 supports members' financial goals across various sectors with $4,746 in used auto loans and $224,139,435 in total loans and leases.

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 $0 reflects our operational efficiency, 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.

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 it's financing for a brand-new model or a reliable used car, our flexible terms can accommodate your budget.

Credit Lines

Our total credit lines amount to $347,692,725, providing options for those looking for additional funds without the need for collateral. This can be an ideal solution for unexpected expenses or planned projects. If you're considering refinancing any existing loans, we offer various eligibility options that may help you lower your payments or access additional funds. It's worth exploring how our services can enhance your financial situation. To learn more about our loan offerings or to speak with a representative, please feel free to contact us at (813) 621-6661. 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 look forward to assisting you at our branch located at 3710 N 50Th St Tampa Fl 33619, Tampa, FL!

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 are dedicated to guiding you through every step of the process, ensuring you have access to competitive rates and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,143,341 in loans helping members manage their finances effectively. These cards provide an excellent opportunity for building credit while enjoying rewards and benefits that suit your lifestyle.

Loan Aggregator

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 their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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