www.RIFCU.org   l    813-621-6661
July 2018

Summer Photo Contest

Take Railroad & Industrial Federal Credit Union with you on Vacation or your Staycation this Summer! Just take a pic with our official poster and upload it to Facebook or Instagram and you could win 
4 tickets to Busch Gardens!
Stop in at one of our branches and pick up your Poster or
Board of Directors Officers Announced
The 83rd Annual Meeting held on May 24, 2018 at the 50th Street Branch was a huge success. There were many lucky members who took home cash prizes. Following the annual meeting, the board of directors conducted its annual re-organization meeting at which the following officers were elected: Gerald S. Harburg, Chairman; Jasper "Jay" A. Brown, Vice Chairman; Robert H. Dexter, Treasurer; Tim J. McCorkle, Secretary; Josh Baldwin, Asst. Secretary. Members include Lisa Carrier and Michele Houseman.
During the re-organization meeting the following Supervisory Committee members were appointed to one-year terms, Rosemary Myers, William C. Perkins, Robert C. Myers, Ralph Molina and William Quigley.  Be sure to congratulate these members when you see them!

Sometimes 100% is a good thing - maybe not when you refer to humidity but with our Home Equity Line of Credit (HELOC) it is! Our HELOC allows you to borrow then advance your line of credit to 100% of your home's value! For more information on our HELOC programs visit our website or call us today.
You can apply for a HELOC 24/7.

Express Yourself!

"The staff at the Ruskin office by Amazon is amazing."

 ~Joan V., Member since 2015    
Thank you for being a loyal member. If you've received outstanding service, please tell us about it. Contact us or send your letter to Attn: Marketing, 3710 N 50th St., Tampa, FL 33619. 

Another great way to show you care about your credit union is to like us on Facebook, follow us on Twitter and view us on Instagram! Just click the links below:
            Like me on Facebook        Follow me on Twitter       View on Instagram

Wealth Management

Financial professionals typically recommend that you review your retirement strategy annually and when there is a major life event. If you haven't reviewed your plan in the last twelve months, now may be the time to begin your annual review to ensure your retirement savings are meeting your needs and expectations now and into the future.
Here are a few things to consider:
  • Risk tolerance - this is how well you ride market fluctuations and the subsequent value of your retirement savings. Some things to consider are your time horizon until retirement and your accumulation goals.
  • Life changes - have you experienced a change lately? Did you get married, divorced, buy or sell a home, have a child or send a child to college? Maybe you changed jobs. These and other life changes can affect your retirement strategies.
  • Retirement income needs - what are your plans when you retire? Do you want to travel, or downsize your home? Do you want to work part time? These will impact what you need to save and invest today.
  • Investment allocation - have you reallocated your strategies base on your time to retire horizon.
  • Retirement plan rules and features - if your employer sponsors a retirement program, look at the details and see if that have changed.
Retirement is an important part of life. If you are looking for help for this important part of planning, please give Richard Chrzanowski with Money Concepts a call at (800)708-7077 for a complimentary check-up.  
All Securities Offered Through Money Concepts Capital Corp. | Member FINRA / SIPC
Money Concepts Advisory Service is a Registered Investment Advisor with the SEC
All Non Securities and Non Advisory Products through Money Concepts International, Inc.
Not FDIC/NCUA Insured - may lose value - No bank or credit union guarantee.

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 of what supplies you need or how to prepare for a hurricane, visit the Florida Disaster Service website at http://www.FloridaDisaster.org for information.

For cash when you need it most, you can access your available credit card line for a cash advance. If you don't have a line of credit or Visa credit card contact us or apply today!

July 2018 Happenings
JUL 4Independence Day
JUL 15National Ice Cream Day
JUL 18National Hot Dog Day
JUL 22Parents' Day
JUL 29National Lasagna Day
JUL 30National Cheesecake Day
July is Observed as:
  • Nat'l Parks Month
  • UV Safety Month
  • Nat'l Picnic Month
Birthstone: Ruby & Onyx
Flower: Larkspur & Water Lily
Take Control!

Control access to your debit card with our mobile app. The "Remote Control Cards" feature in our mobile app allows you to control your debit card, provides more security and will give you added peace of mind. This feature allows you to control when and how your debit card(s) are used!

Go to our mobile app, login, then go to "Remote Control Cards." There you can activate or deactivate debit card(s) associated with your account(s). When you deactivate your card, it will immediately stop all transactions associated with that card number. This includes recurring debit transactions you have authorized like SunPass, gym memberships, auto insurance, YMCA, Busch Gardens etc. Be sure to turn on access so your recurring transactions are not returned to the vendor. Fees may be assessed if items are returned when the card is off.

Protect yourself from unwanted debit card activity with Remote Control Cards on our mobile app today! 

Fireworks Safety

Summer is synonymous with barbecues, parades and fireworks displays. But along with all the festivities are plenty of visits to emergency rooms - especially during July.

In 2016, at least four people died and about 11,100 were injured badly enough to require medical treatment after fireworks-related incidents, according to the U.S. Consumer Product Safety Commission. And while the majority of these incidents were due to amateurs attempting to use professional-grade, homemade or other illegal fireworks or explosives, thousands were from less powerful devices like small firecrackers and sparklers.

Access your Money!
Access to money is what having an account is all about. For your day-to-day transactions, our Choice Checking gives you access to your money. If you don't have our checking account, you can switch! We even have a free online switch kit launching soon. Check our news and events section on the website for updates.
  • With mobile app
  • By writing checks
  • By using a debit card
  • By setting up automatic ACH
  • By paying bills on line or with the app
  • By getting cash at thousands of free ATMs
Contact us today or to find out more go to our website.

Online Services & Apps

Like most people, at the most impromptu times, you want to know...
What's my balance?
Oh, I want the car! How can I apply?
Did that check clear?
Did I pay the electric bill?
How much was the last debit transaction?
Where is my debit card?
I need cash! Where's an ATM?
Where can I see my credit card rewards?
We have apps, and online services for all these questions.

Holiday Schedule

Our offices will be closed for
 Day on
Wednesday, July 4th.

Have a Safe Holiday!


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 © 2018 Railroad & Industrial Federal Credit Union.  All Rights Reserved.

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