Trax Federal Credit Union

Headquarters

3710 50th St N
Tampa, FL 33619
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	4.60% →
1-Year CD	4.25%	4.59% →
2-Year CD	4.50%	4.25% →
5-Year CD	3.80%	4.30% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Trax is an NCUA insured institution located in Tampa, FL. It was founded in 1935 and has approximately $492.8 millions in assets.

Who can join?

Membership in Railroad & Industrial Federal Credit Union is open to the following individuals:

Employees or retirees of CSX Railroad
Employees or members of Railroad & Industrial Company Groups
Family members of current member-owners in good standing


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 24703
Date Established	1935
Assets	$492.80 million
Loans	$224.14 million
Deposits	$427.92 million
Capital	$61.35 million

Field of Membership Restrictions

Must be an employee or retiree of CSX Railroad or be an employee or member of one of the several Railroad & Industrial Company Groups. Family members of current member-owners in good standing

Deposit Rates - March 28, 2025

Your Current Location: Texas, TX 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.05%	$5	-	Learn More Reviews
Money Market	1.45%	$2,000	$9,999	Learn More Reviews
Money Market	1.35%	$10,000	$24,999	Learn More Reviews
Money Market	1.15%	$25,000	$49,999	Learn More Reviews
Money Market	1.00%	$50,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.25%	$500	$99,999	Learn More Reviews
6 Mo CD	4.00%	$100,000	-	Learn More Reviews
12 Mo CD	0.25%	$500	$99,999	Learn More Reviews
12 Mo CD	4.25%	$100,000	-	Learn More Reviews
18 Mo CD	4.35%	$500	$99,999	Learn More Reviews
18 Mo CD	4.00%	$100,000	-	Learn More Reviews
24 Mo CD	4.50%	$500	$99,999	Learn More Reviews
24 Mo CD	3.60%	$100,000	-	Learn More Reviews
36 Mo CD	3.65%	$500	$99,999	Learn More Reviews
36 Mo CD	3.55%	$100,000	-	Learn More Reviews
48 Mo CD	3.75%	$500	$99,999	Learn More Reviews
48 Mo CD	3.50%	$100,000	-	Learn More Reviews
60 Mo CD	3.80%	$500	$99,999	Learn More Reviews
60 Mo CD	3.40%	$100,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
IRA Share	2.25%	$5	-	Learn MoreShow Less

Loan Rates - March 28, 2025

Your Current Location: Texas, TX 10007

There are currently no loan rates available for Trax

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Texas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1945532	6.151%	6.000%	0.63	$5,200	$1,919	Learn More
NMLS ID: 2558881	6.270%	6.125%	0.88	$4,940	$1,945	Learn More
NMLS ID: 1283930	6.354%	6.250%	0.75	$3,525	$1,971	Learn More
NMLS ID: 2561451	6.516%	6.375%	0.88	$4,819	$1,997	Learn More

See More Mortgage Rates →

Featured - Texas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Reliant Home Funding, Inc See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Achieve Loans See Table	Intro APR 9.000 % After Intro: 9.000 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Trax
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Branches

Below are Trax branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Arlington,Texas

Trax Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Temple Terrace	843.33	A	View Lobby Hours
Main	844.94	B	View Lobby Hours
Winthrop	851.44	C	View Lobby Hours
Seffner	851.63	D	View Lobby Hours
River Hills	856.42	E	View Lobby Hours
Plant City	856.79	F	View Lobby Hours
North Lakeland	864.33	G	View Lobby Hours
South Lakeland	864.58	H	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

TRAX is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Trax Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Trax. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Trax	U.S. Average
8.70%	5.69

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2024, Trax had $5,379,199 in non-current loans and $63,257 in owned assets. To cover these potential losses it had $61,347,639 in net worth and $1,180,594 in loans loss reserves. That gives it a Texas Ratio of 8.70%.

Net Worth

Trax	U.S. Average
12.61%	14.16%

Trax FCU has a net worth of 12.61% versus the BestCashCow average of 14.16. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Trax

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