January, 2019
eXpress Shareholder Newsletter
CD Rates
3.2% APY for 18-Months *
Limited Time Only - $500 minimum opening deposit
Ready to get take advantage of this Amazing offer, but can't make it to an office? No problem, we can process your new certificate over the phone by calling 813.621.6661 or have a representative call you to get started today by emailing us via the link below. Be sure to mention you saw this in the eXpress newsletter to receive your rate.
85th Annual Shareholder Meeting
Join us at the 85th Annual Shareholder Meeting at 5:00 PM on Thursday, May 23, 2019 in the lobby of the 50th Street Office. Meet your elected directors and CEO. Plus, we will have food, drinks and valuable door prizes.

Real Members,
Real Voices

" I enjoy the personalized service each and every time I visit the RIFCU branches."
George E., Member since 1980
If you've received outstanding service, please tell us:

Membership Matters Results
Congratulations to Sydney on being the winner of our $50 Membership Matters Survey via a random drawing! Thank you for your feedback.
Do you have any ideas for the Board of Directors? Fill out the survey in the link below:

Tax Time Reminders
Please remember that tax refund checks and electronic deposits will only be accepted if made payable to an account holder. Checks and deposits made payable to a non-member will not be accepted and may be returned to the IRS.
If you have an IRA with the Credit Union, please remember that you are limited to one IRA rollover in a 12-month period per social security number on all IRAs. We will furnish the year end balance of your IRA account (also known as the Fair Market Value) to the Internal Revenue Service as required.
Don't have an Individual Retirement Account? Open Yours today! Visit our website for more information .
Turbo Tax Sweepstakes
RIFCU Members Save Up To $15 on TurboTax and
Get a Chance to Win $25K!
This year, get your biggest possible tax refund and a chance to win $25,000. TurboTax is up-to-date on the latest tax laws and
guarantees 100% accurate calculations, so you can be confident your taxes are done right. Plus, you’ll be automatically entered to win
$25,000 when you try TurboTax Online for FREE by February 14th. And as a Railroad & Industrial Federal Credit Union member you can save up to $15 on TurboTax.
To enter the sweepstakes and access the member discount, click on the TurboTax banner! Start Today & Save. (**See the TurboTax disclaimers at the end of this eNewsletter)
Community Matters
This month we would like to highlight one of our partners, Everyday Blessings, for being such a powerful advocate for children! Everyday Blessings, Inc. cares for children who have been removed from their previous home due to abuse, neglect, or abandonment. They come from all economic backgrounds and ethnic groups, and range in age from newborn to 17 years old. They are one of the few group homes that make every attempt possible to keep siblings together.

This year our employees decided to forgo the traditional gift exchange, and instead purchase gift cards for the children of Everyday Blessings. We are proud to help so that they can continue to provide blessings.. everyday.
If you are interested in donating to Everyday Blessings,
please click the link below:
2019 Holiday Schedule
All of our offices will be closed in
observance of:

Saturday, January 19th
Monday, January 21st
Credit Cards
Reward Yourself
Our CURewards Credit Card offers a multitude of ways to reward yourself. You’ll earn 1 point for every $1 spent!

Rewards include: Points-to-Cash, Purchasing Bonus, Travel, Airfare, Merchandise, and Gift Cards.

Points-to-Cash:  redeem your points for cash. Cash can be deposited into your deposit account or can be used to make a loan or credit card payment.

Purchasing Bonus:  for every $500 you spend, you'll receive incentive points equal to 2500; rather than 500 points.

Travel and Airfare:  earn double points when you book your travel through Montrose Travel on the  CURewards website  (points will be awarded after your travel is completed.) When you use points for travel, you can use points and pay the difference with your credit card. You can apply as few as 5,000 points.
Merchandise:  choose from a vast array of merchandise directly from the CURewards website.

Gift Cards:  View and purchase your gift cards from the  CURewards website . The cards will mail via the US Postal Service.

Redeem points online through CURewards .
To view program rules, points accrued and points redeemed logon to  PC Connect/ Account Access  and view your Visa information, or go directly to the  CURewards website . There is also an app on google play and apple for the CURewards program.

Want to upgrade your current VISA to a CU Rewards VISA? Contact us today!
Financial Planning
Money Talk Newsletter:
It's almost impossible to overstate the importance of taking the time to plan your estate. Nevertheless, it's surprising how many American adults haven't done so, including famous people. We picked a few you can learn some lessons from.
Also in this edition of Money Talk, we go over key retirement tax numbers for 2019, career change planning and student loans .

Quick Links
Don't Be Shy!
Connect With Us!
Railroad & Industrial Federal Credit Union
P.O. Box 5125, Tampa, FL 33675-5125
Nationwide: (800) 769-1424
Member Services:  (813)-621-6661
*CD Disclaimer: Share certificates opened prior to 01/01/2019 are exempt from newly published rates and will continue to earn the current yield. APY = Annual Percentage Yield as of 01/01/2019. $500 minimum opening deposit required. Interest will be calculated using the daily balance computation and will be compounded monthly. Dividends are calculated using a 365 day year (366 days during a leap year) If you close or withdrawal from the certificate during the specified term, the withdrawal amount will be subject to a penalty equal to the interest on the amount withdrawn at the simple interest rate but shall not exceed (90) days worth of interest on terms of 6, 12 and 18 months and no more than (180) days worth of interest on terms of 2 years or more. The minimum penalty amount will be no less than 5 days of interest on the withdrawn amount. Rates are subject to change or cancellation at any time without notice. Federally insured by NCUA.

 **TurboTax Disclaimer: Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2018. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/14/19. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules . PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.
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.

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