July 2019
eXpress Shareholder Newsletter
HOT SUMMER PROMO:
Get $10 in COOL CASH for every Referral!
For every person you refer who opens an account at Railroad & Industrial Federal Credit Union, you will earn $10 CASH!

Plus, each referral will give you and your new member one entry into our monthly $100 Cash Drawing!

There is no limit to the money or entries you can earn!
So, start referring your family and co-workers today,
as this is a limited time offer!
Board of Directors Announced!

The 84 th Annual Meeting was held on May 23, 2019 at the 50 th Street Branch. There were many lucky members who took home prizes. Following the meeting, the Board of Directors conducted its annual re-organization meeting at which the following officers were elected: Jasper A. Brown , Chairman; Robert H. Dexter, Vice Chairman; Tim J McCorkle , Treasurer; Josh Baldwin , Secretary; Michele Houseman , Asst. Secretary. Members include Lisa Carrier and Gerald S. Harburg .
 
During the re-organization meeting the following Supervisory Committee members were appointed to one-year terms, RoseMary Myers, Rafael Molina, William C. Perkins, and William A. Quigley. Be sure to congratulate these members when you see them!
Money Matters
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Need some help understanding the basics of auto loan purchases before you head to the dealership? Or how to create a budget? Or maybe your purchasing your first home?
We have resources to help! Our online financial education program, Money Matters, is a great way to gain vital financial knowledge!
Financial Planning
Is It Time to Declare Your Financial Independence?

No matter how much money you have or which life stage you're in, becoming financially independent starts with a dream. Your dream might be to finally pay off the mountain of debt you've accumulated, or to stop relying on someone else for financial support. Or perhaps your dream is to retire early so you can spend more time with your family, travel the world, or open your own business. Financial independence, however you define it, is freedom from the financial obstacles that are keeping you from living life on your own terms.
This month we also discuss international investing, checking your tax withholding and procrastinating!
$100 Membership Referral Contest

Congratulations to this month's $100/ $100 Membership Referral Contest Winners:
Carmina Cruz & Bernandine Cruz
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
Hurricane Season
is Here!
Don’t be caught off guard this season. In the event of an approaching storm, be sure you have cash-on-hand and the supplies you need .

 If you are not sure what supplies you need or how to prepare for a hurricane, visit the Florida Disaster Service website for information:
 
In the event of emergency closures, the Credit Union will update our website and social media pages. Make sure to save our website below and follow us on social media for the latest alerts!
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 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?"
Mobile Wallets

M obile Wallets allow you to add your Railroad debit/credit card to your mobile phone. This means you can pay without swiping or inserting your card!
Our cards can be added to Apple Pay, Android Pay, and Samsung Pay! Simply open the app on your phone, select your Railroad card, and hold your mobile device near the payment terminal!
Your actual card number is never shared with the terminal, instead the Mobile Wallet creates a random series of numbers, called a Token, to transmit payment. Which means Mobile Wallets are a safe & secure payment option! 
LAST CHANCE
2019 Scholarship Deadline Approaching
Y ou’re going to do BIG THINGS.
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 31st to be considered.
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For more information, or to apply today simply click the 'Get Started" button below!
Membership Matters Survey Results
Each month your Board of Directors answers submitted questions through our Membership Matters Survey .
Recently our member Trina had this to say:

"I like the way the bank is set up where you are greeted face to face and not with a computer. I love that the bank reps are so nice."
RIFCU Board:
Hi Trina! Thank you for your thoughts. We pride ourselves on personalized one to one service! We have smiling faces at every branch, waiting to help you reach your goals. However, for those that wish to bank electronically; we have a full suite of products to help! We provide full-service banking, so no matter how you like to bank – we have a solution for you! 

-Your Board of Directors
Life Insurance: TruStage Partner Spotlight
Watch your mail for a valuable opportunity. TruStage insurance products are available to 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 for the people 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
Visit us at TruStage.com

TruStage ® Insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
SEG Spotlight
This month we are excited to highlight:
As one of Florida’s largest community-based providers of behavioral health services since 1973, DACCO Behavioral Health has been providing services to thousands of people annually through our award-winning drug and alcohol prevention, intervention and treatment programs including Medication Assisted Treatment. We support the local community by offering prevention treatment and support services for men, women, pregnant women and adolescents suffering from substance use disorders or co-occurring mental health disorders. Our expert physicians are board certified in Addiction Medicine and our staff is highly qualified and committed to enabling clients to achieve life-long recovery demonstrated by excellent outcomes. Our communities continue to address the prescription drug epidemic and DACCO is expanding to offer vitally needed treatment services.
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
Real Members, Real Voices

" I love the ease and accessibility
of my Credit Union! "

Jessica F.
Member since 1992
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 Thursday, July 4th.

JUL 4: Independence Day
JUL 7: World Chocolate Day
JUL 17:  National Hot Dog Day
JUL 21:  National Ice Cream Day
JUL 25: Nat’l Intern Day
JUL 28:  Parents’ Day
JUL 29: National Lasagna Day
JUL 30: Int’l Day of Friendship
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Community Matters
We are proud to be active in our local communities – because Community does Matter to us! 

Congratulations to all the 2019 Graduates and
Good Grade achievers!!!

Learn how students can earn from $1 per A to $500 for graduating by visiting our All Aboard Youth Program!
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



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