Trax Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.05% 1.02% →
1-Year CD 0.65% 2.15% →
2-Year CD 0.80% 2.81% →
5-Year CD 1.10% 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Trax is an NCUA insured institution located in Tampa, FL. It was founded in 1935 and has approximately $460.2 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 $460.20 million
Loans $181.18 million
Deposits $403.89 million
Capital $52.60 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 - May 16, 2022

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 16, 2022

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.990% 5.875% 0.75 $3,125 $1,479 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
2.750 %
After Intro: 5.590 %
Intro Period: 6 months
$0 Learn More
More Info

Note to TRAX
To upload and update your bank's rates please register. It is free to register and add rates.


 

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:
Seattle,Washington



Climate Initiatives

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

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
3.01% 4.85

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 December 31, 2021, Trax had $1,468,120 in non-current loans and $143,219 in owned assets. To cover these potential losses it had $52,598,890 in net worth and $962,712 in loans loss reserves. That gives it a Texas Ratio of 3.01%.

Net Worth
Trax U.S. Average
11.71% 12.36%

Trax FCU has a net worth of 11.71% versus the BestCashCow average of 12.36. 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

There are currently no comments for TRAX. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →