www.RIFCU.org   l    813-621-6661

IFCU is excited to announce a new checking account! Choice Plus+ Checking makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.
More Details Coming Soon!

" The whole experience is wonderful. From the moment I walked in the branch I was treated like family.
Ashley G. - Member since 2015   

Thank you for being a loyal member. If you've received outstanding service, please tell us about it. Contact Us or send your letter to Attn: Marketing, 3710 N 50th St., Tampa, FL 33619.

Your Credit Union has always strived to offer you some of the best rates in town, and our AMAZING EVERY DAY CD Rates prove it! You can take advantage by opening a new certificate over the phone, or visit your closet branch office!  

To see a list of all our current Savings Rates, simply go to our Rates Page at RIFCU.org or for more information call us at 813.621.6661.  
2018 Christmas Card Drawing Contest

Thank you to the artists who submitted their drawings in this year's RIFCU Christmas Card Drawing Contest.  We had over 40 entries this year with over 300 votes tallied to get our winner!!  With the most votes, here is our winner:

Anna Steed's drawing received the most votes and it will be the cover of our company Christmas Card this year. 

Anna is 12 years old and attends Nativity Catholic School.  She has been interested in art since learning how to hold a crayon.  Her passions are drawing, painting with acrylics, clay sculpture, and graphic art.  When she is not drawing, she enjoys volleyball, playing with her bunny, and hanging out with friends!
Anna will receive $100 and 100 blank Christmas Cards to send out herself.

Congratulations to all our young artists and start practicing for next year!

November 2018 Happenings

NOV 4: Daylight Savings Time Ends
NOV 6: Election Day
NOV 11: Veterans Day - Closed
NOV 12: Nat'l Pizza Day
NOV 13: World Kindness Day
NOV 22: Thanksgiving Day- Closed
NOV 23: Black Friday
NOV 24: Small Business Saturday
NOV 26: Cyber Monday
NOV 27: Giving Tuesday
NOV 30: Hurricane Season Ends
November is Observed as:

National Diabetes Month

Lung Cancer Awareness Month

National Adoption Month


 Topaz & Citrine

CuAid Hurricane Relief

Our Executive Management Team feels very strongly, that now is the time to unite as a community and assist with providing disaster relief to credit union people (staff and members). We will be partnering with the National Credit Union Foundation and CuAid to raise funds for victims of Hurricanes Florence & Michael within the credit union community in Florida.

Here are 3 easy ways to donate:

1. Visit our website www.RIFCU.org and select the CuAid link in our News & Events section.
RIFCU News link

2. Visit www.cuaid.coop and follow the 'Donate Now' link. Be sure to select 'Hurricane Michael or Hurricane Florence' and follow the donation process. A tax-deductible receipt will be provided once completed.
CU Aid Link  

3. Follow us on Facebook and click the link in the Hurricane Relief Post.

Facebook Link

Financial Planning
Money Concepts Logo

As we near the end of 2018, now is the perfect time to be planning and thinking about your finances.  
In this month's MoneyTalk, we will show you the Ten Year-End Tax Tips you can do between now and December 31st. We will also talk about:
  • Financial Lessons from Football 
  • The Tech Sector Could be Dominating Your Portfolio
  • Protection from Credit Fraud & ID Theft
  • Shopping Safely Online
  • & More
Shared Services Link

Don't let the hustle and bustle of the holidays get you frazzled. Railroad & Industrial Federal Credit Union provides you the service benefit of Shared Branching.  So no matter where you are around town you're likely to have a partner credit union nearby.  If you need access to your account, they're closer than you think.  To find the nearest branch:

* Visit www.ss4cu.com 'Find a Branch' or
* Download the CO-OP Shared Branch app or
* Call 888-748-3266
* Text a Zip Code to 91989 to find nearby Shared Branch Locations. SB = Shared Branch SBX = Shared Branch express
CO-OP Locator
Share Services for Credit Unions

Holiday Loans

A holiday loan may be just what you need. If you can use extra cash for your seasonal plans! You get simple terms, low cost and easy payments with a holiday loan. Stop by any of our convenient locations today, call or go online to apply for your holiday loan.
* APR= Annual Percentage Rate. Subject to approval, some restrictions may apply
All of our offices will be closed in observance of:
Veterans Day
Saturday, November 11
Thanksgiving Day
Thursday, November 23
Christmas Eve
Monday, December 24 at 1pm
Christmas Day
Tuesday, December 25 
New Year's Eve
Monday, December 31 at 4pm
New Year's Day
Tuesday, January 1


If you need a break this holiday, then take advantage of our
Skip-A-Payment program. You can Skip-A-Payment on any of your loans for a nominal fee of $15. You can only use Skip-A-Payment once on each loan in a 12-month period and the loan must be current at the time of the request. You won't incur late charges. Complete the form to take advantage of our
Skip-A-Payment* program.

Click on the form for a printable version 
Skip a Payment Form


Christmas Club 
Save the cash you need for the holidays with a Christmas Club account. You can save any amount you want. For example, if you save $25 bi-weekly (based on 26 bi-weekly deposits) you'll have $650 to shop with next year. Then next November the money is there for your holiday shopping! For more details by call us today at 813-621-6661


Railroad & Industrial Federal Credit Union
P.O. Box 5125
Tampa, FL 33675-5125

Nationwide: (800) 769-1424

Member Services: 813-621-6661


Disclaimer: All content in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

Copyright © 2017 Railroad & Industrial Federal Credit Union.  All Rights Reserved.

Railroad & Industrial Federal Credit union, 3710 N. 50th Street, Tampa, FL 33619
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