www.RIFCU.org   l    813-621-6661
December 2018
From all of us at Railroad & Industrial Federal Credit Union, we wish you and your family a very Merry Christmas and a Happy New Year!
Focus Group  people_social_icons.jpg
Do you bank at our Plant City Office?
We need your opinion
As a member-owner of your Credit Union, we value your input. We are looking for 8 members from our Plant City Office to participate in a Focus Group. The feedback you provide will be based on your perspective!
The Focus Group will be held on Tuesday January 22nd and will begin at 5:30pm, it will last approximately 1 hour. We will serve light refreshments and offer door prizes!
We will accept the first 8 registrations, so RSVP today!

Shared Service Centers 

Don't let the hustle and bustle of the holidays get you frazzled.  Railroad  & Industrial FCU 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.  
There are four ways to find the nearest branch:
  1. Visit www.ss4cu.com, select 'Find a Branch' or Follow this link for the Branch Search Tool
  2. Download the CO-OP Shared Branch app: 
  3. Call 888-748-3266
  4. Text a Zip Code to 91989
    SB = Shared Branch SBX = Shared Branch Express 
    (Text messaging rates may apply from your carrier)

TruStage insurance products and programs are designed for credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your credit union. Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.

Call us, we'll help you understand all of your options so you can choose the one that is best for you and your family.
Life and AD&D: 1-855-612-7909
Auto & Home: 1-888-380-9287
Website: TruStage.com

"All of the personnel at the branch are friendly and greet you with a smile. I have been a member for nearly 20 years and would not bank anywhere else!"
David D. - Member since 1999  

Thank you for being a loyal shareholder. The greatest compliments we receive are from you!  If you've received outstanding service, please tell us about it.
Contact us with your comments today!

We Want to Hear From You - Members Matter!

$50 Gift Card Drawing
Our volunteer Board of Directors is interested in hearing from you. When you visit the Membership Matters section on our website, you can respond directly to topics placed on our site by your Board of Directors.

If we hear from you by December 10th, you will be entered into a drawing for a $50 Gift Card!  Simply, go to our website and take our Membership Matters Survey.  
Car Loans
Payment Advantage is our low monthly payment loan program. Like a lease, your payment is substantially lower. Unlike a lease, you own the car and there is not a hefty down payment.

Terms are available up to 60 months and can help free you from negative equity.
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 813-621-6661 or go online to apply for your holiday loan.
* APR= Annual Percentage Rate. Subject to approval, some restrictions may apply

Christmas Club
Save now for next Christmas.  When you open a Christmas Club account, you can save any amount you want as often as you want. You can make deposits automatically, by mail or at the teller counter.  Then next November the money will automatically transfer to your share account. Call 813-621-6661 today for details or visit our website for more information.

December 2018 Happenings
DEC 2: Hanukkah Begins
DEC 7: Pearl Harbor Remembrance
DEC 10: Hanukkah Ends
DEC 21: Winter Solstice
DEC 25: Christmas
DEC 26: Kwanzaa Begins
DEC 31: New Year's Eve
December is Observed as:
  • Universal Human Rights Month
  • Safe Toys and Gifts Month
Birthstone: Turquoise & Blue Topaz
Flower: Narcissus & Holly
Financial Planning

Did you invest in yourself this year? If not, we have some tips you and your family can start doing in 2019 to help you in the future. 
Also in this edition of Money Talk, we go over when and what you should be reviewing in your estate plan. For business owners, we discuss retirement options and questions you should be asking yourself before it is too late.


Purchase a Visa gift card for a special person. Gift cards are available in amounts from $25 to $500. The fee to purchase each card is just $4.95. 

Use your Visa gift card wherever Visa Debit is accepted. Stop by an office today to buy all your gift cards.

Debit Card Control
Control access to your debit card with our mobile app. The "Remote Control Cards" feature in our mobile app allows you to control your debit card, provides more security and will give you added peace of mind. This feature allows you to turn on and off your debit card with the single touch of a button!

Protect yourself from unwanted debit card activity with Remote Control Cards on our mobile app today! 

Christmas Eve
Monday, December 24th Close at 1pm
Christmas Day
Tuesday, December 25th Closed

New Year's Eve
Monday, December 31st Close at 4pm
New Year's Day
Tuesday, January 1st

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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