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

Introduction

Welcome to Trax, your trusted credit union located at 36239 State Road 54, Zephyrhills, FL 33541. Since our establishment in 1935, we have been dedicated to serving our community with a strong focus on member satisfaction and financial growth. With over 44,835 members, we pride ourselves on being more than just a financial institution; we are a vital part of the Zephyrhills community. At Trax, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, from checking and savings accounts to auto loans and mortgage refinancing. As of now, our total assets stand at an impressive $492,796,576, ensuring that we have the resources to support our members effectively. Whether you are looking for personal loans or business banking solutions, we have got you covered with over 18,437 loans issued. Our commitment to transparency and reliability is reflected in our robust financial health our total deposits amount to $50,215,656, with a net worth of $61,347,639. We maintain a cash reserve of $2,962,783, giving you peace of mind knowing your funds are secure. While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be directed to our mailing address: 36239 SR 54, Zephyrhills, FL 33541. Led by CEO Peter Giorgianni and Board President Tim McCorkle, our team is here to ensure that your experience with Trax is both pleasant and beneficial. Our friendly staff of 91 employees is ready to assist you during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. We invite you to explore what makes Trax different! Connect with us today by visiting our website at traxcu.com or give us a call at 813-621-6661. Join us as we continue building stronger financial futures together!

Branch History & Mission

Community Connections

We recognize that true strength lies in community connections. That's why we actively engage in outreach programs and partnerships designed to uplift those around us. From hosting financial education workshops to participating in local events, we strive to give back and make a difference where it matters most.

Join Us!

As you consider your financial future, we invite you to become part of the Trax family. Experience the benefits of membership firsthand whether it's through our drive-thru services or shared branch transactions with partner credit unions. If you're ready to take the next step towards better financial health or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 813-621-6661 or visit our website at traxcu.com for more information. Join us at Trax, where your financial well-being is our priority!

Our Journey

Trax began with a simple mission: to provide accessible financial services while fostering a sense of belonging among our members. Over the decades, we have evolved significantly, adapting to meet the changing needs of our community and embracing modern banking technologies. Today, we manage total assets exceeding $492,796,576, reflecting our growth and commitment to sound financial practices. Our branch is conveniently situated at 36239 State Road 54, just a stone's throw away from local landmarks that make Zephyrhills special. Whether you are visiting for personal banking services or exploring loan options, you can count on our friendly staff to guide you through every step.

Our Mission

At Trax, our mission goes beyond providing excellent financial products. We aim to enrich lives by offering personalized service and community support. We believe in empowering our members with the tools they need for success be it through auto loans, mortgages, or credit cards with rewards that fit their lifestyle. While members can visit us at 36239 State Road 54, official correspondence should be sent to 36239 SR 54, Zephyrhills, FL 33541 if needed. Our commitment extends to ensuring accessibility for all; we offer ADA-compliant facilities and digital banking options such as online banking and mobile payments.

Branch Location & Accessibility

Convenient Access

Our location is designed with accessibility in mind. We offer ample parking and are fully ADA compliant, ensuring that everyone can easily access our services. If you're on the go, take advantage of our drive-thru banking option for quick deposits and withdrawals without leaving your vehicle.

Get in Touch

If you have any questions or would like more information about our services, feel free to give us a call at 813-621-6661. We invite you to visit us soon and discover how Trax can help you achieve your financial goals!

Operating Hours

At Trax, we want to make your banking experience as smooth as possible. Our lobby hours are Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 6:00 PM. We understand that your time is valuable, so we're here when you need us most!

Services Offered

We provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. If you prefer online or mobile banking, you'll find it simple and secure with us. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 36239 SR 54, Zephyrhills, FL 33541.

Member Eligibility

Joining the Trax family means stepping into a community that values you and your financial well-being. At our branch located at 36239 State Road 54, Zephyrhills, FL 33541, becoming a member is easy and welcoming. To be eligible for membership, you simply need to live, work, worship, or attend school in Pasco County or have a family member who is already part of our credit union. We believe in supporting our neighbors and offering services tailored to your needs. For more detailed information on eligibility criteria, feel free to check out this resource: Membership Matters. Once you're ready to join us, opening an account is a straightforward process that can be done online or in person. Our friendly staff is here to assist you every step of the way. If you have any questions or need help getting started, don't hesitate to reach out at 813-621-6661. We can't wait to welcome you to Trax, where your financial goals become our mission!

Business Banking & Commercial Services

Commercial Loan Options

Imagine having the financial backing you need to invest in new equipment, hire more staff, or launch a marketing campaign. 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, we offer essential merchant services that help streamline your daily operations. From point-of-sale systems to online payment solutions, our services make it easy for you to manage transactions efficiently. Picture this: a customer walks into your store, makes a purchase effortlessly through our system, and you receive the funds quickly allowing you to focus on what really matters: growing your business. Located at 36239 State Road 54 Zephyrhills Fl 33541 in Zephyrhills, FL, we're here to provide personalized support and guidance tailored to your unique needs. Contact us today at (813) 621-6661 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM and Drive-Thru Services

Our commitment to accessibility extends beyond online services. You'll find that our ATM & Cash Withdrawal Services are readily available when you need cash on hand. Plus, our basic Drive-Thru Banking provides a quick way to handle deposits and withdrawals without stepping inside.

Business Banking

For small business owners, our Business Banking solutions include essential services like Merchant Services and Business Loans. We understand how vital it is to have flexible financial support as you grow your business. Our team is ready to assist in setting up accounts tailored specifically for entrepreneurs.

Credit Options

To enhance your purchasing power, we offer Credit Cards with Rewards that not only allow for easy spending but also reward you for everyday purchases. Use it wisely, and enjoy benefits that put money back into your pocket!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features such as Online & Mobile Banking, allowing you to manage your accounts anytime, anywhere. With just a few taps on your device, you can check balances, transfer funds, or pay bills effortlessly.

Personal Banking

Starting with personal banking, we offer various Checking & Savings Accounts designed to help you manage your daily transactions and save for future goals. Imagine having the flexibility to access your funds whenever you need them, all while earning interest on your savings. We also provide Auto Loans & Vehicle Financing options that make it easier for you to hit the road with a reliable vehicle. Picture driving off in your dream car without the stress of complicated financing. For those considering home ownership or refinancing, our Mortgage Loans come with competitive rates and personalized service to guide you through every step of the process. If you find yourself needing extra cash for unexpected expenses, our Personal Loans & Debt Consolidation services can help simplify your payments and ease financial burdens.

Shared Branch Transactions

If you're a member of another participating credit union, you'll appreciate our Basic Shared Branch Transactions which allow for deposits and withdrawals at partner locations making banking even more convenient. With all these offerings, Trax aims to be more than just a place where you manage money; we strive to be a trusted partner in your financial journey. We invite you to visit us at 36239 State Road 54 Zephyrhills Fl 33541, or give us a call at (813) 621-6661 for more information on how we can assist you today! Explore all these services further by checking out our website at Zephyrhills.

Digital & Online Banking

Key Services

With our 24/7 Online Banking services available at https://www.traxcu.com/ , you can manage your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, our user-friendly platform is just a click away. Need to send money to a friend? Our Person-to-Person Transfers feature allows you to do just that in seconds, making sharing expenses a breeze. For those who prefer mobile convenience, our Mobile Application puts all these features in the palm of your hand. You can even enjoy the benefits of Mobile Payments, letting you make quick purchases without needing cash or cards. Plus, with options for Electronic Signature Authorization, signing documents has never been simpler or more secure.

Security and Accessibility

Security is a top priority at Trax. We ensure that all transactions are protected so you can bank with peace of mind. Additionally, our E-Statements Availability means you'll receive your statements quickly and securely online, reducing paper clutter while keeping your information safe. Our commitment to ease-of-use is evident throughout our digital banking services. From setting up automatic payments to accessing real-time account updates, we strive to make managing your finances as smooth as possible. In today's fast-paced world, having reliable online banking tools is essential. At Trax, we're here to support you every step of the way with innovative solutions that fit your lifestyle. Experience the future of banking with us!

Financial Strength

Commitment to Growth

Our commitment to our members is reflected in our $59,991,622 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you 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.

Efficient Operations

Our operational efficiency is underscored by 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.

Growing Member Base

Total Share and Deposit Accounts: 78,557, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 reflect our dedication to ensuring that funds are available when you need them. 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 36239 State Road 54 Zephyrhills Fl 33541 or call (813) 621-6661 to learn more about how we can help you achieve your financial goals.

Member-Focused 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.

Solid 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, 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 new or used vehicle, our flexible terms make it easy for you to drive away with confidence.

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 various mortgage solutions that can fit your budget and help you settle into the home you've always wanted.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or would like to learn more about eligibility options for our various products, we encourage you to reach out. Our team is ready to assist you with personalized advice based on your unique financial situation. At Trax Credit Union, we're dedicated to providing our members with valuable resources and support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at our branch or check out our website here for more information about our loan offerings!

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. With competitive interest rates and no collateral required, these cards can be an excellent choice for everyday purchases or unexpected expenses.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

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TRAX FEDERAL CREDIT UNION - Zephyrhills, FL