Trax Credit Union Temple Terrace FL | Low Mortgage Rates & ATM Access

Introduction

Welcome to Trax, your trusted financial partner in the heart of Temple Terrace, FL. Located at 12125 N 56Th St, our branch has been serving the community since 1935 with a commitment to providing exceptional financial services tailored to meet your needs. With a proud membership of over 44,835, we stand as a reliable resource for individuals and families looking to achieve their financial goals. At Trax, we understand that every member's journey is unique. That's why we offer a range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. Our total assets amount to an impressive $492,796,576, reflecting our stability and capability to support you through various financial stages. Our CEO, Peter Giorgianni, alongside Board President Tim McCorkle, leads a dedicated team of 91 employees who are here to assist you. Whether you're visiting us in person or utilizing our online banking services at traxcu.com, we are committed to making your experience smooth and satisfying. While members can visit us at our physical location, official correspondence should be sent to the same address: 12125 N 56th St, Temple Terrace, FL 33617. We also invite you to call us at (813) 621-6661 during our lobby hours from Monday to Thursday, 8:30 AM - 5:00 PM; Friday until 6:00 PM; and Saturday from 9:00 AM - 12:00 PM. Join us today and discover how Trax can help you thrive financially!

Branch History & Mission

Join Us Today!

As we look forward to the future, we invite you to become part of the Trax family. Experience firsthand how our member-focused approach can benefit you financially and personally. Visit us during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM until noon or reach out at 813-621-6661. Join us today and discover why so many in Temple Terrace trust Trax for their financial needs! Visit our website for more information about membership and services.

Our Evolution

From humble beginnings, Trax has evolved significantly over the years. Initially started as a small financial cooperative, we have expanded our services and outreach to ensure that everyone in Temple Terrace and surrounding areas has access to quality financial products. Today, our total assets amount to an impressive $492,796,576, reflecting our stability and commitment to serving our members effectively. Located at 12125 N 56th St, Temple Terrace, FL 33617, we are conveniently positioned near local landmarks that make us easily accessible. Whether you're stopping by for personal banking or exploring loan options, our friendly team is here to assist you. While members can visit us at 12125 N 56th St, official correspondence should be sent to the same address. We offer various services including personal banking accounts, auto loans, mortgages, and credit cards with rewards. Our state-of-the-art online and mobile banking options ensure you can manage your finances anytime, anywhere.

Our Mission

At Trax, our mission goes beyond providing financial services; we strive to empower our community through education and support. We believe in fostering financial wellness among our members by offering resources that help them make informed decisions about their money. Whether it's helping someone secure their first car loan or providing guidance on saving for a home, we are dedicated to making a positive impact. We also actively engage with local organizations through partnerships and outreach programs. By investing in the community we serve, we hope to uplift those around us and contribute to a thriving environment where everyone can succeed.

Branch Location & Accessibility

Banking Services & Hours

At Trax, we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? No problem! We have an ATM available on-site for your convenience. For those who prefer drive-thru banking, we've got you covered too! Our drive-thru service allows you to handle deposits and withdrawals without leaving your vehicle. Plus, as part of our commitment to serving you better, we participate in shared services that enable basic transactions for members of partner credit unions. We're here when you need us! Our lobby hours are Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday mornings from 9:00 AM to 12:00 PM. Feel free to call us at 813-621-6661 if you have any questions or need assistance before your visit.

Join Us!

We invite you to visit Trax today and discover how we can help you achieve your financial goals. Whether you're looking for assistance with loans or just want to ask about our services over a cup of coffee in our welcoming space, we're here for you. Come see why so many choose Trax as their trusted credit union!

Nearby Landmarks & Accessibility

Located in the heart of Hillsborough County, our branch is close to essential amenities and landmarks, making it a breeze for you to drop by while running errands. Whether you're heading back from the nearby shopping areas or just passing through town, our branch is conveniently situated for quick access. Our facility is equipped with ADA-compliant features to ensure everyone can enjoy a seamless banking experience. We also offer ample parking options right outside our doors, so you won't have to worry about finding a spot.

Member Eligibility

At Trax, we believe in fostering a welcoming community where everyone can thrive. Becoming a member is easy and open to anyone who lives, works, or worships in the Temple Terrace area, along with their family members. This means if you have a connection to our vibrant community, you're likely eligible! Membership at Trax comes with numerous benefits like competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products tailored just for you. If you're ready to take the next step and become part of our family, check out the detailed eligibility criteria on our website at https://www.traxcu.com/about/membership-matters-survey .html . Once you're ready, opening an account is just as simple just visit https://www.mobicint.net/rif-live/autoenrollment/start to get started. If you have any questions or need assistance, feel free to give us a call at (813) 621-6661. We can't wait to welcome you into the Trax community at 12125 N 56Th St Temple Terrace Fl 33617!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to invest in new equipment, hire additional staff, or even open a new location. 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

Managing payments shouldn't be a hassle. Our merchant services provide you with tools to accept payments easily and efficiently. Whether it's through card readers at your storefront or online payment options for e-commerce, we offer solutions that help streamline your operations, allowing you to focus on what you do best running your business. Visit us at 12125 N 56Th St Temple Terrace Fl 33617 in Temple Terrace, FL, or give us a call at (813) 621-6661 to learn how we can help your business thrive!

Comprehensive List Of Services

Accessibility Matters

Our branch also features ATM and cash withdrawal services, ensuring that accessing your money is quick and easy. With basic drive-thru banking available for deposits, withdrawals, and simple transactions, we make it even more convenient for you.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a click away.

Empowering Businesses

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We understand how crucial it is for small businesses to thrive, and we're committed to being a partner in your success.

Financing Your Dreams

If you're considering purchasing a vehicle or a new home, look no further. Our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car without breaking the bank. For those looking for a place to call home, our mortgage loans and refinancing options provide flexible terms and competitive rates tailored just for you.

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking services, including checking and savings accounts designed to help you save money and manage expenses effectively. Whether you're setting up your first account or looking for ways to grow your savings, we're here to guide you through every step.

Rewarding Credit Options

Our credit cards come with rewards that benefit you every time you swipe. Whether it's for everyday purchases or special occasions, our credit card options aim to provide value along with convenience.

Shared Branch Transactions

As part of our commitment to service, we also offer basic shared branch transactions. This means if you're a member of a partner credit union, you can perform deposits and withdrawals right here at Trax without any hassle. At Trax, we are proud of the comprehensive array of services designed with your financial well-being in mind. For more information or assistance with any of our offerings, don't hesitate to reach out by calling us at (813) 621-6661 or visit us in person at 12125 N 56Th St Temple Terrace Fl 33617. Join us today on this exciting financial journey!

Simplifying Borrowing

Life can throw unexpected costs your way, and that's where our personal loans and debt consolidation services come into play. We work with you to find solutions that fit your financial situation, helping to ease burdens while allowing you to focus on what matters most.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization. This allows you to sign documents securely online, making processes faster and eliminating the need for physical paperwork. You can also take advantage of e-statements, which give you quick access to your account statements without the clutter of paper. Our mobile application enhances your banking experience even further. With mobile payments available, you can make purchases directly from your phone with ease. Whether you're splitting a bill with friends using our person-to-person transfer option or simply checking in on your finances, managing your money has never been easier. We prioritize security in everything we do. Our systems are designed to protect your personal information while ensuring that accessing your accounts is simple and straightforward. You can rest assured that banking with us means having peace of mind along with flexibility. Join us at Trax and embrace a modern way of banking that fits seamlessly into your lifestyle. Experience how easy it is to stay connected to your finances through our comprehensive digital services today!

Financial Strength

At Trax, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. As a member-owned credit union, we are dedicated to ensuring your financial well-being and helping you achieve your goals. 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. 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. 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 commitment to lending is evident with $4,746 in used auto loans and $224,139,435 in total loans and leases; this supports your financial goals across various sectors. 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 who are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 78,557, showcasing a strong and growing member base that trusts us with their finances. 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 12125 N 56Th St Temple Terrace Fl 33617 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.

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 interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

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 provide competitive rates and flexible terms to meet your unique needs. If you're considering refinancing your existing mortgage, we can help you explore eligibility options that may lower your monthly payments.

Total Credit Lines

In addition to our standard loan offerings, we also have total credit lines available at $347,692,725. This can be an excellent resource for those needing quick access to funds without the hassle of traditional borrowing. For business owners, while we currently do not have outstanding commercial loans, our commitment is to provide solutions tailored to your business growth as opportunities arise. If you're interested in learning more about our loan products or want assistance with the application process, please contact us at (813) 621-6661 or visit us at 12125 N 56Th St Temple Terrace Fl 33617, Temple Terrace, FL. Our dedicated team is ready to assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. With a total of $6,143,341 in loans available, we offer flexible terms that allow you to control your spending while building your credit.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 approach guarantees that users receive fair and transparent offers. Each loan comparison reflects accurate information, allowing you to make informed decisions without hidden surprises.

Trax