May 2019
eXpress Shareholder Newsletter
85th Annual Shareholder Meeting

LAST CHANCE TO REGISTER!
Join us at the 85th Annual Shareholder Meeting:

Thursday, May 23, 2019
5:00 PM
 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!
VISA Platinum
CU Rewards

We want to reward YOU for using our VISA! What better way than cash back, merchandise and travel? Get rewarded for your everyday purchases with our VISA Platinum CU Rewards Card.

Already have our VISA Platinum Card and wish to upgrade to CU Rewards? No problem just fill out this quick and easy form to upgrade today! Upgrades are permitted for all VISA Platinum members who are current on their VISA and are not over the limit. Yep – that’s it! No credit check required!

Don’t have a VISA with Railroad? Apply today! Our quick and easy application process only takes a few minutes and most of the time we can give you a decision the same day!*


Remember- ALL of our VISA cards have NO ANNUAL FEE!
Real Members,
Real Voices

"I enjoy being a member of RIFCU. I appreciate the member service that everyone shares. It’s such a blessing."

Deb S.
Member since 2015
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
Our offices will be Closed on May 25th and May 27th in observance of Memorial Day.

MAY 1: May Day
MAY 2: National Day of Prayer
May 4: Star Wars Day
MAY 5: Cinco De Mayo
MAY 7: National Teacher Day
MAY 12: Mother’s Day
MAY 18: Armed Forces Day
MAY 23: World Turtle Day
MAY 24: National Brother Day
MAY 27: Memorial Day
MAY 28: National Burger Day
memorial_day.jpg
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Happy Mother's Day to All Of Our Moms!
A Mother’s Love  

Of all the special joys in life, 
The big ones and the small, 
A mother’s love and tenderness 
Is the greatest of them all.
~Anonymous
$100 Membership Referral Contest

Congratulations to this month's $100/ $100 Membership Referral Contest Winners:
Rhonda Jean & Randy Clarke
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.

Don't Become a Victim
of a Scam

Today the risk of theft and fraud is rampant. The concern for safety and security of your information is shared by you and the credit union. We will do everything we can to secure your information from abuse. However, you must protect your account numbers, cards, passwords and Personal Identification Numbers (PIN) from fraud. We will never initiate a request (by e-mail, phone, or text message), for your account numbers, card numbers, passwords or PIN. If you call or write us, then in the course of communication we may request an account or card number.

If you are unsure about an email or text message you receive and it appears to be from us, forward it to us immediately at  ReportPhishing@RIFCU.org . There is no need to include any account information. Remember email is not a secure way to send account information. If you need to send us account information never send it to us through email, or social media. To electronically send us information securely, you can send it through  Contact Us  or through PC Connect's  secure e-mail.  
All Aboard Youth Program
Bring your child to the office to open their youth account, they can earn more on their savings!

The All Aboard Youth Savings account offers your child up to age 25 the ability to earn 5.10% APY* on their savings up to the first $500. Children between the ages of 13-17** can open a checking account and receive a debit card. 

And when your child is actively in school, they can receive cash for A’s and for Graduating!!

Financial Planning
Investing in Yourself For A Change

Retirement. College. An emergency fund. A new home or home improvement project. Check, check, check, and check. If you've been saving faithfully each month for some or all of
these things, you might feel
that you're on a never-ending financial treadmill. It takes discipline, perseverance, and
sacrifice to maintain a robust savings effort month after month, all while meeting your day-to-day financial obligations.

See tips on Investing your tax return, bonus or other small windfalls. Plus, How to Recover from a Mid-Life Crisis. How Does the Federal Reserve Affect the Economy? What is a college income-share agreement? How much money should a family borrow for college?

Sprint ® Sweepstakes
Make room in your wallet for more rewards. Reward season is here. Members get a $100 cash reward for every new line activated with Sprint®, now on unlimited lines. Plus, Sprint is giving away a *** $50,000 prize to one winner per month in April, May and June. Enter today, no strings attached!

Open an account, or add a new line to your existing account, and mention that you're a credit union member.

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?"
Stay updated on your accounts! Through our eAlert program, we will notify you via text or email when there is activity on your account.

You have the power to choose what types of alerts you wish to receive, our program is customizable to your unique needs!

In order to use eAlerts you must be enrolled in our online banking, but setting up eAlerts is a quick and easy 2-step process.

First, visit the ‘Manage Emails’ section of your online banking profile and register the email or mobile device you wish to receive the alerts.

Second, create and customize your own alerts based on the activity you wish to monitor!

Yes – it is really that easy! Check out some of the different types of alerts you can set up:
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 submissions. Here is another:

Kathlene had this to say:
“Run a scholarship award program open to children, grandchildren, and great-grandchildren of members.”

RIFCU Board:
We appreciate you taking the time to provide your suggestions Kathlene and we take them very seriously. We are excited to say that we do currently offer an annual scholarship program. The program is called our All Aboard Youth Scholarship and applications are accepted through July 31 of the current year. The Applicant must be a primary member in good standing with the Credit Union. Children, grandchildren, and great grandchildren of current members are eligible for their own membership therefore making them eligible for the scholarship program.
For more information or a list of full eligibility requirements, please visit our Scholarship Application Page.
-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.

*Subject to approval. Restrictions may apply

**APY = Annual Percentage Yield, accounts are subject to approval, rates may vary, and restrictions may apply, money for grades is paid within the next grading period.

***Sprint Sweepstakes: Cash rewards will be deposited directly into your credit union account within six to eight weeks Already a Sprint customer? Register now to receive a $100 loyalty cash reward every year starting one year after registration. Visit LoveMyCreditUnion.org/Sweeps19 to learn more and to enter to be one of the three $50,000 winners.    

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