Our story
We're with you, side by side, all the way to your financial destination.
At Trax, banking is about more than transactions — it’s about people. We build lasting relationships with our members, offering personalized guidance and support through every stage of life. From first accounts to homeownership and beyond, we’re here to help you move forward with confidence.
The Trax Credit Union Difference
No two financial journeys are the same. We take the time to understand your goals and find solutions that fit your unique situation.
As a credit union, we’re owned by our members — not shareholders. That means our focus stays on delivering value where it matters most.
Decisions are made close to home by people who know our community. You’ll experience genuine relationships and service tailored to local needs.
Enjoy convenient access to thousands of shared branches and ATMs, plus digital banking that keeps you connected wherever you go.
giving back to the community we serve
You'll find us doing more than banking — we're out in the community making tracks! From local events to volunteer opportunities, we're passionate about building connections and helping our neighbors move forward.
I had a very nice experience today refinancing my vehicle with Railroad & Industrial Credit Union. They are under renovation and are very organized with compensating for the limited space. Frank Fortner was very helpful and experienced in his field and made it a very easy and pleasing experience. They cut my rate IN HALF! Peter Giorgianni was also a great help with making everything happen. I would HIGHLY suggest using them for financing, a mortgage, or opening an account with them!!!
I have gotten a few Auto Loans at RIFCU. Great experience and I would highly recommend them for an Auto Loans. Their representative Shanna is a true professional. Each time she had gotten a prompt approval, answered all my questions, and made the process easy.
I have been banking with Trax (formally railroad and industrial credit union) for well over 35 years! I have not once had a bad experience. I wanted to compliment my recent experience at the Winthrop Branch as I needed to make two wire transfers, and I also needed to pull some funds out of an IRA account. All of these transactions went as smooth as possible. The only hiccup was my fault for incorrectly, filling out the transfer forms multiple times! lol! The teller that was dealing with me was extremely patient and helpful. I have dealt with Jim, the bank manager multiple times and he is very laid-back, and very easy to conduct business with!
The service and attention to detail from start to finish of my entire loan process was A++++. Ashley S. took very good care of me and went out of her way to ensure the loan process went smooth, she even took time to explain processes to the dealership over the phone when they couldn't figure things out. I highly recommend this credit union and if your lucky to get Ashley S. in the process just know your in good hands.
I love my credit union #TraxCU. Customer service is amazing. I recently spoke with Ashley S. and she was fast and efficient. Very good with communication. I advise everyone to bank with Trax.
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! đź‘Ś
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.
