TRAX CREDIT UNION

Trax Credit Union, formerly Railroad & Industrial Credit Union, is a memberowned, not-for-profit financial cooperative with more than $480 million in assets and nine branches throughout Hillsborough, Polk, and Pasco counties. Trax Credit Union has more than 44,000 members from over 700 company groups throughout Central Florida. Trax Credit Union is consistently ranked among the nation’s most financially stable of all credit unions. Trax has been rated a 5-Star credit union by Bauer Financial Inc. and recently received an A- rating from Weiss Ratings, LLC. Bauer and Weiss are two independent rating agencies that evaluate credit unions’ and banks’ financial stability and performance. Bauer Financial Inc. provides star ratings based on financial data reported by the institution, while Weiss Ratings, LLC provides letter grades based on financial strength and stability.

Trax Credit Union offers personal checking and savings accounts, digital banking, mobile wallet, surcharge-free ATMs, debit and credit cards, and wire transfers, and members can send and receive money with Zelle®. Additionally, Trax Credit Union offers personal loans for homes and vehicles, student loans, and much more. Trax Credit Union is invested in helping members on their financial journey at all stages of life, whether members are ready to retire, purchase a home, or save for college. The credit union’s dedicated staff is committed to helping members navigate any road bumps.

“Trax Credit Union has various strategies to help our members navigate economic challenges like inflation,” said Jessica Stevenson, Senior Vice President Marketing. “Those strategies include competitive interest rates, lower loan rates, flexible loan repayment options, member assistance programs, and free financial wellness programs.”

Trax Credit Union is also committed to supporting kids in our community with youth accounts, including the credit union’s Embark Teen Program and a new Platform 8 ⅓ Kids Club.

Platform 8 1/3 is designed for kids 12 & under, and Embark is designed for teens between 13-17. Trax offers both account holders a special savings rate of 5.10% APY on the first $500 in a youth savings account, which is the highest in the market.

Stevenson said: “Youth members can earn financial incentives for achieving good grades on their report cards. We also pay $100 when youth members graduate high school and $500 when they graduate college. Trax offers free financial education programs designed specifically for youth, awards thousands in scholarships annually, and has a youth advisory board where students can earn community service hours while providing vital feedback on banking services. Embark checking accounts have all the digital capabilities youth prefer, including contactless debit cards, a mobile app with Face ID, real-time transaction alerts, and instant money transfers.”

Trax Credit Union will help you on your path to financial success, meeting you where you are, guiding you along the way, and together, facing challenges head-on. Visit Plant City branch manager Jennifer Jones and her team at 1701 West Baker Street to get started.