June 2019
eXpress Shareholder Newsletter
Members Only: HELOC Special Offer
Why Not Dream BIG?
No Closing Costs, Great Lower Rate & a
Quick& Easy Application Process**
Apply online using PROMO CODE: HELOCPROMO
Do you bank at our Winthrop 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 Winthrop Office to participate in a Focus Group. The feedback you provide will be based on your perspective!
The Focus Group will be held on Thursday, July 11th 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!
Real Members, Real Voices

" Positive attitude no matter how many times I call in a day! I love the team crew. "

Elouise G.
Member since 2018
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 open during regular business hours in June.

JUN 3 : World Bicycle Day
JUN 5 : World Environment Day
JUN 8 : World Oceans Day & BFF Day
JUN 14 : Flag Day
JUN 16 : Father’s Day
JUN 20 : American Eagle Day
JUN 21 : Summer Solstice

We will be closed Thursday, July 4th.
Happy Father's Day to All Of Our Dads!
"I've said it before, but it's absolutely true: My mother gave me my drive, but my father gave me my dreams. Thanks to him,
I could see a future."
~Liza Minnelli
$100 Membership Referral Contest

Congratulations to this month's $100/ $100 Membership Referral Contest Winners:
Legend Moss & Kacey Flanigan
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.

Why Can't We Be Friends?

"Ooh, ooh, ooh, ooh
La, la, la, la, la, la
La, la, la, la, la, la
Why can't we be friends
Why can't we be friends"

Okay - so we aren’t singers, but we are the best bankers around – so follow us on social media to stay informed on new products, exciting promotions and all the Credit Union info you need!

Click Below to Follow Us Today:
2019 Scholarship
Application Deadline
You’re going to do
Any member of our All Aboard Youth Program is invited to apply for our 2019 Youth Scholarship. We want to be more than a place to save and borrow money. We want to be your partner in every stage of life - you're going to do big things and we want to help you get there!

Complete your application by July 31, 2019 to be considered. *

Visit us online for more information, or to apply today:

Financial Planning
Mid-Year Investment Check

Many investors may be
inclined to review their
portfolios only when markets
hit a rough patch, but careful
planning is essential in all
economic climates. So, whether the markets are up
or down, periodically reviewing your portfolio with your financial professional can be an excellent way to keep
your investments on track, and midway through the year is a good time for a checkup.

Get answers to these 3 questions:
1. How have my investments performed so far this year?
2. Do I need to make adjustments?
3. Am I maximizing my tax savings?

Plus, these articles: Managing Your Money in a Gig Economy, Charitable Giving After Tax Reform and What's the real return on your investments?

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?"
Payment Advantage

Payment Advantage is a “lease look alike” program designed for our members who want a low-payment auto loan. It combines the advantages of a lease program with the stability of a traditional auto loan. It almost sounds too good to be true!

  • Payments up to 40% lower than a traditional loan
  • Mileage allowance to fit your driving needs
  • Flexible terms from 30-60 months; most dealer leases are only 36 months
  • You OWN the vehicle; the title is in YOUR name.
  • Buy, Sell, or Trade the vehicle at anytime

Find out if Payment Advantage is right for you by calling us today 813-621-6661 or visiting us online at: RIFCU's Payment Advantage
Membership Matters Survey Results
Each month your Board of Directors answers submitted questions through our Membership Matters Survey .
Recently our member Pam had this to say:

“I feel that I already have a feeling of ownership. The only other recommendation I have would be to make products that the credit union offers more readily available to customers – meaning, there are many products that I have stumbled across on my own without being told about them. Also, a small interest on checking accounts might be a nice perk 😊 “
RIFCU Board:
Thank you for taking the time to share your recommendations Pam! We love to hear directly from members just like you. You are absolutely correct, many of our members don’t know about all the wonderful products we offer. We are working on creative ways to spotlight products – both new and old. For example, we launched a new section of our monthly eXpress newsletter called, “Wait, you offer that?” This article educates our membership about a different product each month. We are also using our social media platforms and email as additional resources. We promise to continue to find innovative ways to share our products and services!

We are even more excited to announce that we do have a checking account that offers interest! Our Choice Plus+ Checking is loaded with benefits and perks to improve the financial lives of our members.
For more information and to compare checking accounts visit our checking comparison chart at: RICFU CHECKING

-Your Board of Directors
SEG Spotlight
This month we are excited to highlight:

Rogers Well Drilling
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
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.

*Eligibility: Applicant must be a primary member in good standing with Railroad & Industrial Federal Credit Union (RIFCU). Applicants (children and dependents) of Railroad & Industrial Federal Credit Union employees, directors or committee members are not eligible. The applicant must be a graduating senior in high school, or college student (rising freshman, sophomore, junior or senior) at an accredited non-profit college or university. Applicant must have a minimum 3.00 cumulative grade point average. Official or unofficial transcript may be required. Applicant must take at least nine (9) credit hours per semester for the current academic year.   

**APR = Annual Percentage Rate. Offer is subject to change, and restrictions may apply. *Closing costs will be waived up to the first $500. Closing costs range from $500-$1200. Any costs exceeding $500 will be payable by the member. **Interest rate is variable and will be determined by the Wall Street Journal Prime Rate and range from 4% - 18%. Prime + 0% is only valid on new HELOCs. ***The length of repayment period will be 15 years, and monthly payments must be made during both the draw and repayment periods

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