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Railroad & Industrial Federal Credit Union


Overview / Commentary
www.rifcu.org
813-621-6661
3710 N 50th St
Tampa, FL 33619

Railroad & Industrial Federal Credit Union is headquartered in Tampa and is the 37th largest credit union in the state of Florida. It is also the 733rd largest credit union in the nation. It was established in 1935 and as of December of 2020, it had grown to 74 employees and 40,686 members at 9 locations. Railroad & Industrial Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of CSX Railroad or be an employee or member of one of the several Railroad & Industrial Company Groups. Family members of current member-owners in good standing
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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #24703
Year Chartered1935
Employees74
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5.61%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$418.3MM$355.6MM
LoansQ4 2020vs Q4 2019$181.2MM$175.5MM
DepositsQ4 2020vs Q4 2019$366.8MM$307.1MM
Equity CapitalQ4 2020vs Q4 2019$45.5MM$43.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.5MM$1.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$771.00K$1.2MM
Real Estate OwnedQ4 2020vs Q4 2019$192.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Railroad & Industrial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%*$5$500Youth Share
OTHER TIERS: 0.05% → $500+
0.25%$5-IRA Share Savings
0.25%$5-Roth IRA Savings
0.05%$5-Regular Share
0.05%$5-Christmas Club

Railroad & Industrial Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Management
OTHER TIERS: 0.10% → $2k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k

Railroad & Industrial Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$4k-Choice Plus Checking - First $2,500
0.01%$4k-Choice Plus Checking - Over $2,500

Railroad & Industrial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$100k-5 Year Jumbo Share Certificate
1.00%$100k-4 Year Jumbo Share Certificate
0.90%$500-5 Year Share Certificate
0.90%$100k-3 Year Jumbo Share Certificate
0.80%$500-4 Year Share Certificate
0.80%$100k-2 Year Jumbo Share Certificate
0.70%$500-3 Year Share Certificate
0.70%$100k-18 Month Jumbo Share Certificate
0.65%$100k-1 Year Jumbo Share Certificate
0.60%$500-2 Year Share Certificate
0.55%$100k-6 Month Jumbo Share Certificate
0.50%$500-18 Month Share Certificate
0.45%$500-1 Year Share Certificate
0.35%$500-6 Month Share Certificate

Railroad & Industrial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$100k-5 Year Jumbo IRA Share Certificate
1.00%$100k-4 Year Jumbo IRA Share Certificate
0.90%$500-5 Year IRA Share Certificate
0.90%$100k-3 Year Jumbo IRA Share Certificate
0.80%$500-4 Year IRA Share Certificate
0.80%$100k-2 Year Jumbo IRA Share Certificate
0.70%$500-3 Year IRA Share Certificate
0.70%$100k-18 Month Jumbo IRA Share Certificate
0.65%$100k-1 Year Jumbo IRA Share Certificate
0.60%$500-2 Year IRA Share Certificate
0.55%$100k-6 Month Jumbo IRA Share Certificate
0.50%$500-18 Month IRA Share Certificate
0.45%$500-1 Year IRA Share Certificate
0.35%$500-6 Month IRA Share Certificate
Locations


Railroad & Industrial Federal Credit Union Locations
Branch Office12125 N 56th StTemple Terrace, FL 33617
Branch Office2315 Drane Field RdLakeland, FL 33811
Branch Office3710 N 50th StTampa, FL 33619
Branch Office1209 Kingsway RdBrandon, FL 33510
Branch Office6106 Delancey Station StRiverview, FL 33578
Branch Office1701 W Baker StPlant City, FL 33563
Branch Office3305 Lakeland Hills BlvdLakeland, FL 33805
Branch Office619 30th St NERuskin, FL 33570
Branch Office36239 State Road 54Zephyrhills, FL 33541

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