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November 2017

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

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.

"Raquel provided excellent member service, she is outstanding!"
Anthony S. - Member since 2017  

Thank you for being a loyal shareholder. The greatest compliments we receive are from you!  If you've received outstanding service, please tell us about it. Click Here  
to contact us with your comments today!

Now is the time to consider buying or refinancing your home. Why? Rates are low plus we've added new product options and improved our existing ones.
For starters, we now offer:
  • No Closing Cost Loans,
  • Adjustable Rate Options,
  • FHA, VA, USDA,
  • 1st Time Buyer,
  • You can finance from 10 years to 30 years and more!
We want to guide you as you navigate the options, answer your questions and help you select the best product for your financial needs.  We pride ourselves on delivering the very best One-2-One Service, during every step of the process, from application to closing. 

You can get started online by Clicking Here or call our mortgage advisor, Terri Brancucci at (813) 621-6661 ext.272.
Christmas Card Drawing Contest Winner

Thank you to everyone who submitted some wonderful Christmas Card art.  You all should be very proud of your work, as you made this a tough decision to select just one.

Congratulations to Sydnee Tarlton, age 10, whose artwork was selected for the cover of our 2017 Christmas Card.  Sydnee will also receive a $100 Gift Card for her masterpiece.

Working in Retirement: 
What You Need to Know
Planning on working during retirement? If so, you're not alone. Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. Here are some questions we often get asked:
  • Why work during retirement?
  • What about my Social Security benefit? 
  • How will working affect my pension?
November 2017 Happenings

NOV 5: Daylight Saving Time Ends
NOV 7: Election Day
NOV 11: Veterans Day
NOV 12: Nat'l Pizza Day
NOV 13: World Kindness Day
NOV 23: Thanksgiving Day
NOV 24: Black Friday
NOV 25: Small Business Saturday
NOV 27: Cyber Monday
NOV 28: Giving Tuesday
November is Observed as:
  • Nat'l Diabetes Month
  • Lung Cancer Awareness Month
  • Nat'l Adoption Month 
Birthstone: Topaz & Citrine

Shared Service Centers 

No matter where you are around town or around the nation you're likely to have a partner credit union nearby.  If you need access to your account, they're closer than you think.  
You can find the nearest branch one of these four ways:
  1. Visit, select 'Find a Branch' or Click Here
  2. Download the CO-OP Shared Branch app
  3. Call 888-748-3266
  4. Text a Zip Code to 91989 (Text messaging rates may apply from your carrier)

If you need a break this holiday then take advantage of our
Skip-A-Payment program. You can Skip-A-Payment on any of your loans for a nominal fee of $15. You can only use
Skip-A-Payment once on each loan in a 12 month period and the loan must be current at the time of the request.  You won't incur late charges. Complete the form to take advantage of our
Skip-A-Payment* program.
Click on the form for a printable version

Thanksgiving Safety Tips
The Thanksgiving holiday does not get a lot of attention over child safety matters, especially compared to holidays like Christmas or the Fourth of July. Yet turkey day does come with a few significant safety hazards that could spoil your family's fun. Here are some tips that will help ensure you have a happy and safe thanksgiving.

Thanksgiving Safety Risks: 
1. On Thanksgiving day there is an increase in child accidents of all types, particularly poisoning.
2. Thanksgiving presents an increased risk of fire dangers and burns from cooking.
3. There is the potential for food poisoning
4. Drunk driving deaths spike around the Thanksgiving holiday.

 Click Here to Read More

RIFCU Member Wins $10,000

Pam Griffiths-VP Marketing, Rich Seubert-Branch Manager, Carina Lopez-Ramos, Teller & Gloria Orozco, 2017 Drawing Winner

Congratulations to Gloria Orozco who won $10,000 in the Tampa Bay Area Credit Union For Kids annual drawing.  Gloria purchased her lucky ticket from RIFCU staffer, Carina Lopez-Ramos who was awarded $1,000 for her efforts. 

The drawing was held during the 13th Annual Credit Union Kids Classic golf tournament on Monday, 
October 9th at Lake Jovita Golf and Country Club in Dade City.  Area credit unions sold tickets for the drawing leading up to the event. So, don't forget to purchase your tickets to this wonderful fundraiser next year and you may be the next big winner! 

Share the News 

 Remember, all your family and co-workers can open accounts at the credit union. Let them share in the safety and security and free accounts.  When you refer your family and co-workers they can enjoy any or all of these services:
  • Free Mobile Apps,
  • Free Mobile Deposit
  • Free Mobile Bill Pay
  • Free eStatements
  • Free ATM withdrawals at all Publix ATMs, CO-Op Network and CU Here network ATMs
  • Free online bill payer
  • Free online account access
  • Free 24-hour telephone access
  • Free IRA accounts (no maintenance fees)
  • Visa® Debit Card - no monthly maintenance fee
  • eAlerts for your accounts
  • And You could win $100
All of our offices will be closed in observance of:
Veterans Day
Saturday, November 11
Thursday, November 23 
Saturday, December 23 &
Monday, December 25
New Year's
Saturday, December 30 &
Monday, January 1, 2018

TruStage Health Insurance Program

Saving on health insurance can
be easy.

You could save $434.39 a month on health insurance1.
Enroll by January 31, 2018.
Act Now! Call 1-888-416-2166 or go to today.
¹Families eligible for the Advance Premium Tax Credit saved an average of $434.39 per month on their health insurance when they shopped through GoHealth (2015 OE). The TruStage® Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth, LLC. GoHealth, LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. TruStage Insurance Agency, 2015, All Rights Reserved.

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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