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

Railroad & Industrial Federal Credit Union has two opportunities for college age members to apply for scholarships. Below are links to both applications:
#1 is the Railroad & Industrial Federal Credit Union Scholarship, which will be awarded to a worthy member in July for $500. 

#2 is the Tampa Chapter of Credit Unions Carolyn Parslow Memorial Scholarship for $500 which is also awarded in July.
In the Market for a New or Used Car?
Save Money When You Let Us LOCATE & NEGOTIATE Your Next Vehicle.
Our goal has always been to enrich your financial life. One way we do that is through our partnership with Auto Advisors. The Auto Advisor program is a FREE service where our specialist, Chris Engel will Find the car you want, NEGOTIATE the price of the car and ASSIST you at the dealer. Her only job is getting you into the car you've always wanted.

You'll have 90 days until your 1st payment and FREE
GAP ** (Guaranteed Asset Protection) which is a payment protection plan for your investment.

Call our Auto Advisor, Chris at 727.420.5515 to make an appointment and make the car buying process more enjoyable while getting our Auto Advisor Rate Discount!

*Membership Required. Plus applicable tax, tag & dealer fees. Example of New Car Pricing.
**GAP i ncluded until  June 30, 2018.
2018 Annual Shareholder Meeting
You'll want to attend the annual meeting 
Thursday, May 24th  at 5:00 p.m. 
at the  Main Office  in Tampa. 
There will be light refreshments and door prizes. 
See you there!
" The service at the Seffner branch is excellent! It is a privilege to be a member. "

 ~ Randolph S, Member since 1986 

Want to voice your opinion? Click here to contact us.

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

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.  
May 2018 Happenings

MAY 1:  May Day
MAY 3:  National Day of Prayer
MAY 5:  Cinco De Mayo
MAY 6:  World Laughter Day
MAY 8:  National Teacher Day
MAY 13:  Mother's Day
MAY 19:  Armed Forces Day
MAY 24:  National Brother Day
MAY 28:  National Burger Day
MAY 28:  Memorial Day  

May is Observed as:
  • National Bike Month
  • National Physical Fitness and Sports
  • National Mental Health Awareness
  • Lupus Awareness Month
  • Lyme Disease Awareness Month
Birthstone: Emerald
Flowers:  Lily of the Valley & Hawthorn
All Aboard Youth Program

Bring your child to a branch to open their youth account. When you do, they can earn more on their savings!

The All Aboard Youth Savings account offers your child up to age 25 the ability to earn 5.10% APY* on their savings up to the $500. Children between the ages of 13-17* can open a checking account and receive a debit card. There is even a low limit Visa* and first-time auto loan* for young adults 18-25 years old. And all accounts are service fee free until age 25!

Also, when your child is actively in school, they can receive $1 per A, up to $5 per current grading period, when they accompany you to a branch with their report card! Then the year they graduate from High School or an accredited 4-year college they can receive cash too!

*APY = Annual Percentage Yield, accounts are subject to approval, rates may vary and restrictions may apply, money for grades is paid within the next grading period.
36 Unique Mother's Day Gift Ideas

This Mother's Day, don't fall for the trap of "You don't have to get me anything!" And definitely don't fall into the trap of just getting a card and calling it a day. 

No matter what she says, your mom deserves a thoughtful present. If you're at a loss for what to get, we've rounded up 36 unique Mother's Day gift ideas that she'll love. Whether she's  into yoga, gardening or cooking, we have you covered...

Fight Fraud
Fraudsters are always on the brink of being able to steal identities, but you can fight back with our proactive services. We offer free and paid proactive protection services.

Debit Card Control   - when you enroll in this free program, you can turn your debit card on and off. If you misplace your card you can turn the card off until you find it! To find out more about Debit Card Control, Click Here. To enroll or if you have questions contact us at (813) 621-6661 ext. 0.

  - when you enroll for this free text messaging service, you will know when items outside of your preselected criteria post to your accounts. We don't charge for this service, but your carrier may. To find out more about our text service and mobile applications, Click Here. To enroll or if you have questions contact us at (813) 621-6661.

Member Security Center
  - this is an identity theft service, which helps minimize risk and protect your personal information from being misused.  For a monthly fee, you can choose the level of service that fits you best, Click Here.

Don't Become a Victim of a Online Scam

Today the risk of theft and fraud is rampant. The concern for safety and security of your information is shared by you and us. We will do everything we can to secure your information from abuse. However, you must protect your account numbers, cards, passwords and Personal Identification Numbers (PIN) from fraud.  
We will never initiate a request (by e-mail, phone, or text message), for your account numbers, card numbers, passwords or PIN.
If you are unsure about an email you receive and it appears to be from RIFCU, forward it to us immediately at 
ReportPhishing@RIFCU.org   .  There is no need to include any account information. Remember email is not a secure way to send account information. If you need to send us account information never submit it to us through email, or social media. To electronically send us information securely, you can send it through   Contact Us   or PC Connect's secure e-mail.  

Sprint's Mother's Day Promotion
Enjoy Your Morning
You can with direct deposit when you know your paycheck is already in your account. Direct Deposit saves you time plus it's fast, safe and reliable. Try it - you'll wonder why you didn't sign up sooner! You can verify your deposit online 24-hours a day, 7-days a week by using PC Connect or by calling Tel-R Connect at (813) 626-1377. Both of these electronic services are FREE!
  • Payroll Check Direct Deposit - talk to your payroll manager about Direct Deposit of your paycheck to Railroad & Industrial Federal Credit Union today.
  • To enroll for direct deposit of your Railroad Retirement, Social Security, or other Federal Benefit - go to www.GoDirect.org or call the U.S. Treasury Processing at (800) 333-1795.
All you need is your account number and the RIFCU Routing Transit Number which is 263183049.

Mortgage Loans Click To Apply

When you're ready to buy, improve, or refinance your home, we can help. To start your application simply  click here . Then our mortgage consultant will call to assist you in completing the application! It's never been easier to apply and get approved.
Buying or refinancing a home is a big decision. It's important to work with someone you can trust. Terri Brancucci our Mortgage Consultant has over 25 years' experience and takes every step possible to get you the most affordable loan. When you work with Terri, she will make it easy and can assure you a smooth home buying experience.
If you complete the online application, without Terri's assistance, you'll get preliminary approval in just minutes. For more information on mortgages, call Terri at (813) 731-3476, email her at tbrancucci@rifcu.org or visit us online at www.RIFCU.org.

Holiday Schedule

All of our offices will be closed in May on these days:
Memorial Day:
Saturday, May 26th- Monday, May 28th.  


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.