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

Car Loans
CARS & MONEY go together like Bees & Honey!
Are you in the market for a NEW or USED vehicle and need some extra cash?  We have several ways to make it happen!

BUZZ into one of our offices to get pre-approved

BUZZ over to RIFCU.org and apply for a loan online

BUZZ into a dealer and have them BEE-LINE your loan to us!

Learn more when you visit the RIFCU Auto Loan Center
2018 Christmas Card Contest
2017 Card drawing winner
2017 RIFCU Christmas Card winner

Is your child an artist?  If so, they can be featured on the front of our 2018 Christmas Card.

This year's theme is:
A Tampa Bay Christmas Vacation
We want to see how kids will be or want to be spending their Christmas vacation this year.

Winner will receive $100 plus cards for them to send out to their family & friends.
The runner-Up will receive $50!
The deadline is
Friday, October, 5th, 2018

When you have an RIFCU Visa, there is NO Cash Advance Fee &
You pay the same interest rate as you do on purchases!!!
Compare this to your current credit card, then make the switch
Express Yourself!

"I find that every time I go into RIFCU I am met by name. I think my credit union is great!"
 ~Glenda F., 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

Money Talk

As people move through different stages of life, there are new financial opportunities and potential pitfalls around every corner.
In this month's Money Talk, we will ask and answer questions about mistakes you may have made through different times in your life. We will also talk about:
  • Tax Benefits of Homeownership After Tax Reform 
  • Building Confidence in Your Strategy for Retirement
  • Can I convert my traditional IRA to a Roth IRA in 2018?
  • Can I undo my Roth IRA conversion in 2018?

Switching Accounts

Some of the automated payments (or ACH) you can transfer to your RIFCU account using ClickSWITCH include: 


Credit Card
GasMortgage/ Rent Payment
WaterAuto Loan/ Lease
TelephoneHome/ Rental Insurance
Mobile PhoneAuto Insurance
Cable ServiceLife/ Health Insurance
Auto Club (AAA)Charitable Donations

Stop in a branch or call us today at 813-621-6661 to get started!

IMPORTANT:  UPDATED Remote Deposit Instructions


Please review prior to submitting your check:
  • Due to regulatory changes, an endorsement must be written on the back of the check for account credit
  • Ensure your check is properly endorsed with your SIGNATURE and by writing:  "For Mobile Deposit Only to RIFCU ______" (put your account number in the space).
  • Place check on dark background
  • Ensure you have good lighting
  • Ensure your check is the only thing visible in the photo, and that all check edges can be seen
  • Make sure you have not already deposited your check
  • WARNING:  Check Holds may apply
Sallie Mae Smart Option Student Loans

The Smart Option Student Loan® for Railroad & Industrial Federal Credit Union by Sallie Mae® for borrowers attending degree-granting institutions.
Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provide even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, get started here.
August 2018 Happenings 
AUG 5: National Sister Day
AUG 13: Int'l Left-handers Day
AUG 15: Assumption of Mary
AUG 19: Nat'l Aviation & World Humanitarian Day
AUG 26: National Dog Day
August is Observed as:
  • Nat'l Immunization Awareness Month
Birthstone: Peridot 
Flower: Poppy & Gladiolus

Free Credit Report

If you want a truly fee-free-annual-credit-report, which is approved for use by the Fair and Accurate Credit Transactions Act (FACT Act), then we have the website for you.
AnnualCreditReport.com provides you with a secure way to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. Stay current on what your credit report shows by checking your credit annually from each of the three credit reporting bureaus, Experian, Equifax and TransUnion.
Compare your report to your credit card and loan statements. These reports will help you detect inaccuracies on your report. Because there are three separate agencies, you can spread the free reports over a four-month period, allowing you to check your credit throughout the year. We encourage you to take advantage of this offer.
As a security precaution, you should never provide your personal information to any other company or person in connection with free annual credit reports. AnnualCreditReport.com will not approach you via email, telemarketing, or direct mail. The free credit report will not disclose your credit score (there is a charge for credit score information).

Holiday Schedule
Our offices will be open during regular business hours this month

Labor Day: Saturday, September 1st & Monday, September 3rd

Columbus Day: Saturday, October 6th & Monday, October 8th

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?
We have apps, and online services for all these questions.


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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