Credit union · NCUA insured
Trax Credit Union Savings Rates
Trax Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Trax Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Trax Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Trax Credit Union
1.15%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $115
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Trax Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.45%
- QualifiedQualified1.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Trax Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 1.15%APY
Compounded monthly. Account must maintain a $2,000 minimum daily balance to avoid closing.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upCompounded monthly. | 1.00% | $100 | Compounded monthly. |
| $10,000 and upCompounded monthly. | 1.15% | $115 | Compounded monthly. |
| $25,000 and upCompounded monthly. | 1.35% | — | Compounded monthly. |
| $50,000 and upCompounded monthly. | 1.45% | — | Compounded monthly. |
Sources (2)
All captured Oct 15, 2026
Regular Share Account
0.05%APY
Establishes membership with Trax Credit Union. Monthly service fee of $5 is waived for members who maintain a daily balance of $500, open another account with Trax, or are under age 25 or over age 60.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded monthly. $5 monthly fee waived with $500 daily balance, having another Trax account, or if under age 25 or over age 60.$5 and up | 0.05% | $5 | Compounded monthly. $5 monthly fee waived with $500 daily balance, having another Trax account, or if under age 25 or over age 60. |
Sources (3)
- traxcu.com/products/personal-savings
- traxcu.com/rates/deposit-rates
- traxcu.com/overview/savings-accounts
All captured Oct 15, 2026
Special-purpose accounts
Youth Share
0.05%APY
Includes Platform 8 1/3 Kids Club for ages 12 and under. Special interest rate applies up to the first $500 in savings. Balances above $500 paid at prevailing regular rate. Earn $1 for every A on report card up to $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Special interest rate of 5.10% APY up to the first $500 in the savings account. Compounded monthly. | 5.10% | — | Special interest rate of 5.10% APY up to the first $500 in the savings account. Compounded monthly. |
| Over $500Balances above $500 paid at current prevailing regular share rate. Compounded monthly. | 0.05% | $5 | Balances above $500 paid at current prevailing regular share rate. Compounded monthly. |
Sources (2)
All captured Oct 15, 2026
IRA Money Market Account
Up to 1.95%APY
Must have an IRA Share account to open. Compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upCompounded monthly. Must have an IRA Share account to open. | 1.75% | $175 | Compounded monthly. Must have an IRA Share account to open. |
| $10,000 and upCompounded monthly. Must have an IRA Share account to open. | 1.95% | $195 | Compounded monthly. Must have an IRA Share account to open. |
| $25,000 and upCompounded monthly. Must have an IRA Share account to open. | 2.15% | — | Compounded monthly. Must have an IRA Share account to open. |
| $50,000 and upCompounded monthly. Must have an IRA Share account to open. | 2.25% | — | Compounded monthly. Must have an IRA Share account to open. |
Sources (3)
- traxcu.com/products/retirement-accounts
- traxcu.com/rates/deposit-rates
- traxcu.com/overview/savings-accounts
All captured Oct 15, 2026
IRA Share Savings
0.25%APY
Available as Traditional or Roth IRA options. Tax-advantaged retirement savings insured up to $1,000,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTraditional and Roth IRA Share savings options. Minimum deposit to open $5.00, minimum balance to earn APY $5.00.$5 and up | 0.25% | $25 | Traditional and Roth IRA Share savings options. Minimum deposit to open $5.00, minimum balance to earn APY $5.00. |
Sources (2)
All captured Oct 15, 2026
Christmas Club Account
0.05%APY
Funds automatically transfer to a Trax account in November. Trax CU requires the account to be closed and not re-opened until the next season.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFunds automatically transfer to a Trax account in November. Compounded monthly.$5 and up | 0.05% | $5 | Funds automatically transfer to a Trax account in November. Compounded monthly. |
Sources (2)
All captured Oct 15, 2026
Who can join Trax Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.