High-speed railways are becoming ubiquitous worldwide, demanding increased operational speeds. Yet, as trains near critical speeds, dynamic stress and embankment displacement escalate, jeopardizing safety. While significant strides have been made in studying these critical speeds, capturing the dynamic characteristics of all track responses remains elusive. This study presents a coupled train-track-ground model employing a 2.5D finite element approach integrated with a nonlinear soil model to investigate the influence of embankment and foundation properties on the critical speeds for both ballasted and ballastless tracks. The research resulted in the development of unified Dynamic Amplification Factor curves that consistently represent the dynamic behavior of various tracks as observed in multiple studies. Additionally, the applicability of simplified theoretical models for calculating critical speeds, such as the elastic half-space foundation and track-foundation models, was assessed. The findings suggest that the simplified models are suitable only under specific conditions. This research provides valuable perspectives on optimizing train speeds and ensuring the safety of diverse track types.