Credit union · NCUA insured
Trax Credit Union
A $490.1M credit union headquartered in Tampa, FL, with 45,113 members and 9 branches in Florida. Best rates: CDs 3.30% and savings 1.15% APY.
Trax Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#26 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Trax Credit Union
- Headquarters
- 3710 N 50th St, Tampa, FL 33619
- NCUA charter
- 24703
Branches
9 branches in Florida
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Florida
9 branches
Tampa area · 7
- MainMain office3710 N 50th St, Tampa, FL 33619Directions
- Seffner1209 Kingsway Rd, Brandon, FL 33510Directions
- Plant City1701 W Baker St, Plant City, FL 33563Directions
- Winthrop6106 Delancey Station St, Riverview, FL 33578Directions
- SouthShore619 30th St NE, Ruskin, FL 33570Directions
- Temple Terrace12125 N 56th St, Temple Terrace, FL 33617Directions
- Zephyrhills36239 Pure Water Way, Zephyrhills, FL 33541Directions
Lakeland area · 2
- North Lakeland3305 Lakeland Hills Blvd, Lakeland, FL 33805Directions
- South Lakeland2315 Drane Field Rd, Lakeland, FL 33811Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.80% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $52 | $76 | — |
- CapitalNet worth ratio12.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.80%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$52Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Trax Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.