www.RIFCU.org   l    813-621-6661
October 2017
Payment Advantage is our lower monthly payment loan program. Like a lease, your payment is substantially lower.
Unlike a lease, you own the car and there is not a hefty upfront payment.

Payment Advantage offers financing for up to 60 months and this program will help you free yourself of negative equity.

Shop and save by using Auto Advisors, our FREE Concierge Auto Buying Service! Call Chris at 813-621-6661 ext. 234 and leave the car buying to us. You can also shop 1,000's of cars from local dealers with AutoSmart, our online shopping service. 

"You opened a branch near me at the perfect time. My family and I thank you!"
Maria S. - Member since 2017  
Earn rewards every time you shop with the 
Credit Card. You'll earn 1 point for every $1 spent! Then redeem the points for a multitude of items - including Cash! Start earning rewards today! Apply online, by phone or at any branch location.
 Can I roll my traditional 401(k) account 
balance over to a Roth IRA?
Yes, you can make a direct rollover from a 401(k) plan [or other qualified plan, 403(b) plan, or governmental 457(b) plan] to a Roth IRA, as long as you meet certain requirements.*

First, while you can always access your account when you terminate employment, in some cases you may be able to withdraw your own or your employer's contributions while you're still working (for example, at age 59½).

October 2017 Happenings

Oct 16: Bosses Day
Oct 19: 
Intl. Credit Union Day
Oct 28: National Chocolate Day
Oct 29: National Cat Day
Oct 31: Halloween
October is observed as:

Breast Cancer Awareness &

Domestic Violence Awareness


Opal & Tourmaline
Flower: Calendula

Get permanent life insurance, disability insurance and critical illness insurance through our partnership with The Family Security Plan®. 
The Family Security Plan® provides cost-effective, convenient ways for members to acquire additional financial security for their families in the event of an unexpected death, disability or critical illness. 
The Whole Life Insurance features premiums that never increase, death benefits that never decrease, and a policy that accumulates cash value.  Disability Income Protection helps you meet your basic monthly financial commitments should you become injured.  And Critical Illness Insurance gives you a one-time cash payout with the diagnosis of a covered critical illness. It also automatically enrolls you in Best Doctors®, a program that connects you to the best medical care when you need it most.
Call Lorna (813) 621-6661 ext. 226 to discuss
your insurance needs One-2-One

Don't Miss Out on Our Holiday Specials!!
If you don't have a Christmas Club savings you can get ready for the holidays with a Holiday Loan or our new CUrewards
Platinum Visa® Card! 

Christmas Club Transfer
The Holidays are nearly here! If you have a Christmas Club savings account, the money you've carefully saved all year will transfer into your Regular Share account on Friday, November 3, 2017.  If you haven't tried this easy and effortless way to save for the holidays, open your Christmas Club (with as little as $5) today! You can even set up an automatic transfer to build up your club account. Contact us for more details today.

Holiday Loans
Our Holiday Loans allow you to borrow up to $1,000 for 12 months at a fixed 12% APR*. You get simple terms, low cost and easy payments. Apply online, stop by any of our convenient locations or call (813) 621-6661 to apply for your Holiday Loan today. 
* APR= Annual Percentage Rate. 
Subject to approval, some restrictions may apply

Halloween Safety Tips
  1. Cross the street at corners, using traffic signals and crosswalks.
  2. Look left, right and left again when crossing and keep looking as you cross. 
  3. Put electronic devices down and keep heads up and walk, don't run, across the street.
  4. Teach children to make eye contact with drivers before crossing in front of them.

Sprint Credit Union Member Cash Rewards offer is combinable with the latest iconic device (iPhone 8) from Sprint!


Exclusively from Sprint, RIFCU members can score the awesome new iPhone 8 64GB for $0 per month* or 50% off** with an eligible trade in including iPhone Forever.
A great phone deserves great accessories, so RIFCU members can score an additional 25% off accessories!
All of our offices will be closed in observance of:
Columbus Day
Saturday, October 7  &
Monday, October 9
Veterans Day
Saturday, November 11
Thanksgiving Day
Thursday, November 23


The All Aboard Youth Account has three specific age groups. Each group has their own designated website and each has varying levels of products and services designed to grow with the child.

Dollar Dog
recommended for ages up to 12
  • Share account - When the child opens the share account they get a small item for opening the account. The account pays 4.99% APR up to the first $500.00.
  • Perks - Parent/Guardian bring your child to make deposits and we will give them a small item for learning to save!
  • Report Cards - Parent/Guardian bring your school age child and their report card to the office and we will pay $1.00 per "A" up to a maximum of $5.00 per current or most recent semester. 

recommended for ages 13-17
  • All the Dollar Dog benefits plus:
  • Checking Account with Debit Card - help your child learn to understand the ups and downs of their checking account balance and teach them to use their account responsibly. There is no monthly fee for youth checking.
The Edge
recommended for ages 18-25
  • All the Cha-Ching benefits plus:
  • Graduating High School Seniors
    - bring in a current school year diploma (with a parent) and we will deposit $100.00 into your account.
  • College Graduates
    - must be age 25 and under. Bring in a current school year College Diploma from a 4 year accredited University (no Technical Schools) and we will deposit $500.00 into your account.
  • Youth Visa card - Ages 18-25, Fixed Rate of 9.90% APR.
  • Scholarship
    - $500.00 scholarship available for one lucky member each school year.  Application is on website.
  • Railroad & Industrial Youth Advisory Board
    - Application is on website. Learn more about the cooperative spirit of credit unions and how we are managed.

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.

Copyright © 2017 Railroad & Industrial Federal Credit Union.  All Rights Reserved.

Railroad & Industrial Federal Credit union, 3710 N. 50th Street, Tampa, FL 33619
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