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December 2017
From all of us at Railroad & Industrial Federal Credit Union, we wish you and your family a very Merry Christmas and a Happy New Year!
What's your Christmas Wish?

A Car: We have great rates and terms. We even offer a low payment option with Payment Advantage! And we have a free auto buying service. You can shop online or use our personal concierge.  Chris Engel is our personal car buying concierge and can be reached at (727) 420-5515. If you think your current auto rate with another financial institution is too high, call us. We'd like to see if we can beat the deal.
Apply online, at an office or call us.
A Recreational Vehicle or Watercraft: If your wish is for family fun, a recreational vehicle or boat, might just be the answer! Speak with a loan officer today, we offer great rates and terms on all the toys you're wishing for!
A Holiday Loan: If cash is your wish for the holiday, you can't go wrong with a holiday loan designed for short term needs. Borrow $1,000 for 12-months at a low annual percentage rate. Apply online or at an office.
You get simple terms, low cost and easy payments. Call or stop by today! With so many competitive rates and terms, see us first when you're ready to borrow!

Christmas Club
Save now for next Christmas.  When you open a Christmas Club account, you can save any amount you want as often as you want. You can make deposits automatically, by mail or at the teller counter.  Then next November the money will automatically transfer to your share account. Call today for details.

Everything was perfect. The Service was exceptional and the staff was extremely knowledgeable.
Kathy C. - 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!

Membership Matters
Our volunteer board of directors is interested in hearing from you. When you visit the Membership Matters section on our website, you can respond directly to topics placed on our site by your Board of Directors.  
Auto Loan Center
Our auto loan center, has two ways to shop for your next vehicle: AutoSmart our online service and Auto Advisor our personal concierge.  When it comes to financing, we can get you into your dream vehicle with a monthly payment that makes sense. And you can apply 24/7 from the comfort of your home, office or on your mobile device!
Shop - Our Auto Advisor, Chris Engel, has successfully negotiated vehicle deals for credit union members for over 6 years. She will help you too!
She will:
  1. Help you find the vehicle of your choice,
  2. At a competitive price,
  3. Accompany you to the dealer or have the vehicle delivered to you. You choose!
  4. Help you negotiate your trade-in. 
When you partner with Chris, you won't have to stress out dealing with the salesman. You'll have an advocate working for you to get a great value for your new or used vehicle. Chris will also help you negotiate a trade with the dealer.
It doesn't stop with shopping and financing. We can offer you many ways to protect your investment with auto insurance, loan protection insurance, Gap coverage and mechanical repair plans. 
All Things Mobile
If your holiday plans include traveling this year, don't worry about paying bills or making deposits. You can make deposits and pay bills 24/7 on the ground, in the air, or at sea! It's easy with our mobile app. You can also protect yourself when you turn your debit card on or off. And with our free text messages, you'll know what is happening in your accounts immediately.
If you're not set up for PC Connect, now is the time to enroll. PC Connect is the gateway to all things mobile!

Shop Safely with Plastic This Holiday
With so many ways to use your credit or debit card(s) to make purchases, it is important to keep your personal and account information private. Railroad & Industrial has put together the following suggestions that may help you keep your card(s) safe this holiday season.
  • Activate or deactivate your debit card.
  • Sign your card(s) as soon as you receive them.
  • Don't lend your card(s) to anyone.
  • Always report lost or stolen card(s) immediately: Debit (800) 449-7728; Credit (866) 820-4883.
  • Verify that everything on your statement is correct.
  • Report any debit card or credit card discrepancies immediately by calling: Debit (800) 449-7728; Credit (866) 820-4883.  
  • When making purchases on the Internet, make sure you are in a secure environment.
  • Never put your card number or account number in an email.
  • Carry only the cards you will be using.
  • If you shop online the site may be secure but "Free Wi-Fi or hot spots" are not secure.
  • Remember, we will never call, TXT, or email you for your card, PIN or account information.
  • Be aware of online scams. If you feel you have received an online scam email us immediately at

December 2017 Happenings

DEC 7: Pearl Harbor Remembrance
DEC 12: Hanukkah Begins
DEC 20: Hanukkah Ends
DEC 21: Winter Solstice
DEC 25: Christmas Day
DEC 26: Kwanzaa
DEC 31: New Year's Eve
 December is Observed as:
  • Universal Human Rights Month
  • Safe Toys and Gifts Month
Birthstone: Turquoise & Blue Topaz
Flower: Narcissus & Holly

Money Talk

Did your 2017 Financial Plan work like you expected?  Do you have a plan for 2018? In this edition of Money Talk, we go over these plans and give you some questions you should be asking yourself as we move into the new year.

CLICK HERE to get some great
financial advice 
from our partners at Money Concepts. 

Direct Deposit

Talk to your payroll manager today about signing up for Direct Deposit. All you need is your account number and our Routing Transit number which is 263183049.

Visa Gift Card
Purchase a Visa gift card for a special person. Gift cards are available in amounts from $25 to $500. The fee to purchase each card is just $4.95. 

Use your Visa gift card wherever Visa Debit is accepted. Stop by an office today to buy all your gift cards.

Mall Safety:

Strategies to Keep Kids Safe While Shopping
  • You'd never think of letting your child ride in the car without his seat belt fastened, but how about when he's in a shopping cart?
  • You always hold his hand when he crosses the street, but how often do you reach for it when you step onto an escalator at the mall? 
  • When it comes to kid-safety hazards, it's easy to get caught up in worrying about the big, obvious threats, such as car accidents, toy recalls, and dangerous playground equipment. And with good reason, since they are responsible for many childhood accidents. 
  • But an everyday trip to the mall -- where parents are often distracted and kids are intrigued by elevators, escalators, and elaborate store displays -- poses a surprising number of hazards that can cause severe injuries.   

Christmas Schedule: We will close at 6:00pm on Friday, December 22, 2017. We remain closed Saturday, December 23 and Monday, December 25. We will open at 8:30am Tuesday, December 26.
New Year's Schedule: We will close at 6:00pm on Friday, December 29, 2017. We remain closed Saturday, December 30 and Monday, January 1, 2018. We will open at 8:30am TuesdayJanuary 2.


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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