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Trax

3710 50th St N, Tampa, FL 33619
NCUA Insured4.2 (309 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3710 50th St N

Tampa, FL 33619

Service Area

This credit union is located in Tampa and serves members in the FL area. Currently serving 45,052 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.97%

Used Auto Loan

7.66%

Personal Loan

11.09%

Credit Card APR

16.30%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

4.2

309 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ryan Tuminelli

Ryan Tuminelli

3 months ago

Ashley Shipley at the credit union delivered exceptional service from start to finish. I needed assistance closing my credit card account, and she handled the entire process with professionalism, clarity, and efficiency. She took the time to clearly explain each step, ensured there were no outstanding issues, and made sure I understood exactly what to expect moving forward. There was no confusion, no runaround—just straightforward, competent service. That level of transparency and attention to detail is rare, and it made what could have been a stressful process feel simple and organized. What stood out most was Ashley’s calm, confident demeanor and her willingness to go the extra mile to make sure everything was handled correctly the first time. She was thorough, responsive, and genuinely respectful throughout the interaction. It’s clear she takes pride in her work and values the members she serves. If you’re working with this credit union, ask for Ashley—you’ll be in capable hands. Five stars without hesitation.

Callie Smith

Callie Smith

3 months ago

I recently bought my first car and chose to finance through Trax CU. I had the absolute pleasure of working with Ashley S through this entire process and she answered all of my first time buyers questions thoroughly and timely. I am extremely grateful to have had her there to help me during this big time. Thank you Ashley S!

Bobble229

Bobble229

5 months ago

I would like to thank trax credit Union former railroad financial credit Union. They was the start of my credit journey with offering me my first ever auto loan and Visa credit card. Since then it has been a great institution for any of my financial needs. I would also like to thank Ashley from the South shore office for her great service and understanding and patience. Keep up the good work!

T&N Consultants

T&N Consultants

5 months ago

Ashley S. made it super simply for me in regards to applying for a Line of Credit! Her customer service was out of this world. I truly appreciated her contast communication during the process. She definitely deserves a 5 start review.

Chris Menges

Chris Menges

6 months ago

I applied for a Christmas loan and received it in just one day!! It was so simple to complete the process. I give a lot of credit to Ashley S. She was so pleasant to deal with and was at the top of her game! Very cheerful, pleasant and made me feel special. Great job! 👌

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).