April 2019
eXpress Shareholder Newsletter
Virtual Car Sale
You don’t want to miss this! It only happens TWICE per year – and these deals won’t stick around long! Apply for your new/used auto loan by April 8 th to take advantage of these fantastic offers!

1.    FREE GAP** – (Guaranteed Asset Protection) protects you in the instance your vehicle is stolen or totaled. It’s intended to cover the “gap” between the vehicle’s value and the total loan balance. This critical coverage has a value of $399, but you get it FREE!

2.   90 days no payments* – That’s right, you get to pick your first payment date, and it can be up to 90 days from closing! Our recommendation? Take the extra cash and treat yourself and the family to an upcoming Rays game or two!

3.    .25% discount on your rate – Use our FREE Auto Advisor service to locate and negotiate your new ride, and you can deduct .25% off your approved rate! Just remember, this is only available if you don’t already receive our lowest available rate.

All it takes is three easy steps!

Visit www.RIFCU.org/CarSale to get started!
Auto Repair Coverage

2019 is proving to be a busy year! We are hard at work, finding products and services which improve the lives of our members. We are excited to announce the launch of a NEW warranty product that allows for monthly payments that fit your budget! That’s right – no up-front cost and reasonable monthly payments to protect against costly breakdowns!

Want to see how much it would cost to cover your vehicle?

Visit us today at www.RIFCU.org/WARRANTY to get your free quote!
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. It will be a great opportunity to meet with your elected directors, provide your thoughts on the direction of the credit union, plus enter to win valuable door prizes.  

or
We look forward to seeing you at the Annual Shareholder meeting in May! 
Real Members,
Real Voices

"RIFCU is an exceptional financial institution!"

Shawn J.
Member since 2008
Thank you for being a loyal member!

If you've received outstanding service, please tell us:

Want to voice your opinion? Contact Us or send your comments to Attn: Marketing, 3710 N 50 th St., Tampa, FL 33619. Another great way to show you care about your credit union is to follow and like us on Facebook, Instagram and Twitter!
2019 Holiday Schedule
All of our offices will be open for regular business during the month of  April.  

APR 1: 
April Fool’s
APR 2:
Autism Awareness
APR 7: 
World Health Day
APR 15: 
Tax Day
April 19:
Good Friday
APR 21:
Easter
APR 22:
Earth Day
APR 24:
Administrative Professionals Day
APR 26 :
Arbor Day
$100 Membership Referral Contest

Congratulations to this month's $100/ $100 Membership Referral Contest Winners:
Ashli Serrano & Jestina Boykin
Ashli seems pretty happy about her extra $100 this month for referring her friend Jestina!
To be eligible for this month's drawing, simply refer a friend, family member or co-worker by using the RIFCU $100 Membership Referral Entry Form. You can print one by clicking on the entry form below or
pick some up at your local RIFCU branch.

Keep Your Information Up to Date

Keeping your contact information up-to-date is important. Whether it's time sensitive account information or money-saving product information, we want to stay in contact with you! We offer several convenient ways to keep your information up to date. If you need to make any changes, follow one of our quick and easy steps to update your address, phone number or email address.

  1. Log into your secure online banking account and submit an address or information change: www.RIFCU.org (top right corner)
  2. Mail your request in but be sure to include your signature for verification purposes to:Railroad & Industrial FCU, Attn: Member Services, 3710 N. 50th St. Tampa, FL 33619.
  3. Visit your closest branch office to complete a change of information form today! Branch Locations
Money Matters
Financial Literacy Month
This April, we are celebrating Financial Literacy Month and reflecting on our digital financial education program, Money Matters . Use these tools to help you make smart decisions and achieve your goals . Visit us today at www.RIFCU.org/LEARN
Financial Planning

Money Talk Newsletter

Did you know that Social
Security may pay benefits to
your eligible family members
when you die, helping to
make their financial life
easier? Take this quiz to
learn more in this month's edition .

Also this month:
  • Rules on Opening a 529 Plan Account for College
  • How Does Your Employer's Retirement Plan Compare?
  • Do I need to get a REAL ID when I renew my license?
  • How do I replace my Social Security card?

Wait, You Offer That?

Whether you’ve been a member for years, or you just recently joined – a line we hear often is “Wait, you offer that?”

So, we decided that it’s time to start highlighting some of our favorite products and services, so check out this month's edition of "Wait, you offer that?"
In 2018, we launched ClickSWITCH as a solution to the painful task of changing accounts. We know it isn’t easy to change direct deposits and recurring payments and wanted a solution that would save our members time and money!
ClickSWITCH is an automated and convenient tool that takes as little as 10 minutes! You can now easily move recurring payments and direct deposits to your Railroad & Industrial FCU accounts, all with the click of a mouse!

Just follow these steps to start the secure process today!
  1. To get started, call us at 813.621.6661 or visit a branch.
  2. Login at RIFCU.clickSWITCH.com & enter the SwitchTRACK(activation) code provided by us to log in.
  3. Select which direct deposits and automatic payments you’d like to switch & begin the switching process.
  4. Click on your desired tab and follow the instructions to create and submit your switches.
SEG Spotlight
CSX CORPORATION
This month we are PROUD to highlight the company that is responsible for the founding of our Credit Union, and a company we have partnered with since 1935!

C SX  Corporation , together with its subsidiaries based in Jacksonville. Fla. is one of the nation’s leading transportation suppliers. The company’s rail intermodal businesses provide rail-based transportation services including traditional rail services and the transport of intermodal containers and trailers.
CSX services major markets in the eastern United State and has access to over 70 ocean, river and lake port terminals along the Atlantic and Gulf Coasts, the Mississippi River, the Great Lakes, St. Lawrence Seaway and Pacific Ports., covering over 21,000 route miles of tracks in 23 states.

The Railroad & Industrial Federal Credit Union was founded in 1935 when 14 railroad employees initiated our charter. Well over 1,000 railroad employees bank with our Credit Union and take advantage of products and services tailored to the needs of employees of the railroad.

For more information visit www.CSX.com.
What is a SEG? A Select Employee Group or “SEG” is a company partner in the community that we extend membership to their employees. We have some great relationships with our SEGs and hope our member-owners support these businesses when they have a need .
Interested in your company becoming a Select Employee Group? Email us today at newsletter@RIFCU.or g
Membership Matters Survey Results
In December, our Board of Directors asked our member-owners to share why they consider themselves “owners” of RIFCU through our Membership Matters Survey . After reading through ALL the comments and suggestions you provided, they wanted us to share their feedback to your submission. Starting this month, w e will publish their responses to YOUR comments in our eXpress newsletter.

Your RIFCU Board takes your suggestions seriously and works hard to improve your life every day. The ultimate goal for this new section and the Membership Matters Survey is for your Board to connect with you and learn precisely what’s important and what you expect from RIFCU going forward.

Dominic had this to say:
“I believe that the feeling of ownership starts the moment you step in any Railroad & Industrial Federal Credit Union’s front door. Are you welcomed and treated like you are a valued member? Also, I believe that keeping your members informed plays an important part, along with these surveys which give members a voice to share feedback and any concerns that they may have. Thank you for taking the time to listen to my feedback.”

RIFCU Board:
Thank you, Dominic , for your input, our job as the Board of Directors is to connect with our member-owners. The feedback you provide assists us in making decisions regarding the future of the Credit Union. After all, we are member-owners just like you – so we share the same goals and expectations you do. We promise to continue surveys like these and quarterly Focus Groups to ensure our staff always makes you feel welcomed and that you are a valued member. Thank you for your membership, Dominic!
-Your Board of Directors
Community Matters
We are proud to be active in our local communities – because Community does Matter to us! If you see us at your employer, or out in the local community, stop by and say "Hi!"
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
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.

Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.

All loans subject to approval based upon creditworthiness, collateral, and RIFCU membership eligibility. To be eligible for special Car Sale offers, your loan must be approved between March 25 – April 8, 2019. Offers subject to change without notice. Offers not available for current RIFCU loans. *During the 90-day payment deferral, interest will continue to accrue on the full amount borrowed. **GAP Protection provided without cost to borrower(s) and is not transferable.  

1 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License # 44198051 ), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-2341946.1-1218-0121 © CUNA Mutual Group 2018.

Copyright © 2019 Railroad & Industrial Federal Credit Union. All Rights Reserved.