The content in this preview is based on the last saved version of your email - any changes made to your email that have not been saved will not be shown in this preview.   l    813-621-6661
January 2018
From all of us at Railroad & Industrial Federal Credit Union, Have a 
Happy & Prosperous New Year!
2018 Annual Shareholder Meeting

Join us at the 83rd Annual Shareholder Meeting at 5:00 PM on Thursday, May 24, 2018 in the lobby of our 50th Street Office. It will be a great opportunity to meet with your elected directors, provide your thoughts on the direction of the credit union, plus enter to win valuable door prizes. 

Reward Yourself
Our CURewards Credit Card offers a multitude of ways to reward yourself. You'll earn 1 point for every $1 spent!
Rewards include Points-to-Cash, Purchasing Bonus, Travel, Airfare, Merchandise, and Gift Cards.


Superior customer service! I love Railroad & Industrial FCU!
Bernice L., Member since 2001  


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.  
Share the News 
friends_socializing.jpg Remember, all your family and co-workers can open accounts at the credit union.
Let them share in the credit union's safety and security as well as our low cost loans 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 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, no transaction fee
  • eAlerts for your accounts
  • And More!
Holiday Giving 

In lieu of exchanging gifts among the management team during the holidays, we pool that money and donate to a charity each year. This year we chose Everyday Blessings in Thonotosassa. We provided fruit baskets for each of their residents and $300 in gift cards as well as a multitude of nonperishable items for their pantry and fresh strawberries to make Strawberry Shortcake.
Save on TurboTax and get a chance to win $25K!
As a Railroad & Industrial Federal Credit Union member, you can save up to $15 on TurboTax® - the #1 best-selling tax software. With TurboTax, you'll get your taxes done right and your biggest possible refund - plus a chance to win $25,000! 
  • NEW: Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return.
  • Get a head start on your taxesSnap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you'll save time and get a jump start on your tax return.
  • Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you through any final changes, and gives you the green light to file.  
To be automatically entered to win the $25K Grand Prize or one of twelve $1,000 First Prizes, just try TurboTax Online for FREE (and provide your email address) by February 15th.1


1 Limited time offer for TurboTax 2017. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.  Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. #1 Best-Selling brand of tax software based on aggregated sales data for all tax year 2016 TurboTax products.
Visit for TurboTax product guarantees and other important information.
TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/15/18. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000.  The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period.  SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.

More Savings with Love My Credit Union Rewards - 
Get a $100 Cash Reward For Every New Line When You Activate with Sprint®!

This exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 cash reward every new line when you activate with Sprint.
Here's how it works:
  • Members get a $100 cash reward for every new line when you activate with Sprint.
  • Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.
  • Plus, get a $50 loyalty cash reward every year for every line. 
Here's how to sign up for Sprint cash rewards:
1.     Become a Sprint customer.
3.     Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today
and save with the Sprint Credit Union Member Cash Rewards!

*Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.
Railroad & Industrial's Mortgage
Start the year off with a new home!  
  • Fixed Rate jumbo loans,
  • Adjustable Rate 5/1, 7/1 and 10/1 options,
  • Low down payment options for our first-time buyers,
  • 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 service, you can count on us to be your partner during every step of the process from application to closing. You can get started online by CLICKING HERE or calling our mortgage advisor, Terri Brancucci at (813) 621-6661 ext.272.

Close your loan by 1/31/2018 and get $200 off closing!

January 2018 Happenings

Jan 1: New Year's Day
Jan 6: Epiphany
Jan 15: MLK Day

January is observed as:
-National Mentoring Month
-National Glaucoma Awareness Month
-National Blood Donor Month
-Birth Defects Prevention Month

Birthstone: Garnet

Flower: Carnation

Hurricane Relief

Thank you for all who helped us raise funds for those in Puerto Rico whose lives were changed after Hurricane Maria. 

We were able to present a check to United for Puerto Rico for $1,797 just before Christmas.


Retirement DoorsDoors

What's your number?
Are you 100% sure that you are going to have a great retirement or do you have doubts? You have two choices!

Door #1
- Your money will outlive you!
  • Save for Retirement
  • Know how much you'll need to retire and live comfortably
  • Will NOT outlive your money
Door #2 - You will outlive your money!
  • You think you have enough money to retire
  • You may outlive your money
Less than half of Americans 55 or older have a retirement savings plan. That means every other person you meet is counting on Social Security to be their primary source of income after 65. The Government Accountability Office's survey proves that there are far too... 


All of our offices will be closed in observance of:
Dr. Martin Luther King Jr. Day  January 13-15


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
Sent by in collaboration with
Constant Contact