Railroad & Industrial Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.30%	5-year CD	3.10% - Barclays 60 Month Online CD
2.10%	1-year CD	2.75% - Barclays 12 Month Online CD
0.15%	Savings	0.27% - National Average

View all Railroad & Industrial Federal Credit Union rates »

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 38^th largest credit union in the state of Florida. It is also the 760^th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 75 employees and 37,673 members at 9 locations. Railroad & Industrial Federal Credit Union's CD rates are 3X the national average, and it 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

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	24703
Year Chartered	1935
Employees	75
Primary Regulator

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	9.9%
Annual Interest Income	$10.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$327.9MM$329.3MM
Loans	Q4 2018vs Q4 2017	$151.9MM$131.6MM
Deposits	Q4 2018vs Q4 2017	$282.5MM$286.8MM
Equity Capital	Q4 2018vs Q4 2017	$40.7MM$36.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.3MM$1.1MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.7MM$1.1MM
Real Estate Owned	Q4 2018vs Q4 2017	$213.00K$550.00K

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
5.10%	$5	-	Youth Share
0.50%	$5	-	IRA Share Savings
0.50%	$5	-	Roth IRA Savings
0.15%	$5	-	Regular Share
0.15%	$5	-	Christmas Club

Railroad & Industrial Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$50k^*	-	Money Management
OTHER TIERS: 0.70% → $2k - $10k \| 0.75% → $10k - $25k \| 0.90% → $25k - $50k

Railroad & Industrial Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$4k	-	Choice Plus Checking - First $2,500
0.10%	$4k	-	Choice Plus Checking - Over $2,500

Railroad & Industrial Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$100k	-	5 Year Jumbo Share Certificate
3.35%	$100k	-	4 Year Jumbo Share Certificate
3.30%	$500	-	5 Year Share Certificate
3.20%	$100k	-	3 Year Jumbo Share Certificate
3.15%	$500	-	4 Year Share Certificate
3.00%	$500	-	3 Year Share Certificate
2.70%	$100k	-	2 Year Jumbo Share Certificate
2.50%	$500	-	2 Year Share Certificate
2.45%	$100k	-	18 Month Jumbo Share Certificate
2.30%	$100k	-	1 Year Jumbo Share Certificate
2.25%	$500	-	18 Month Share Certificate
2.10%	$500	-	1 Year Share Certificate
1.70%	$100k	-	6 Month Jumbo Share Certificate
1.50%	$500	-	6 Month Share Certificate

Railroad & Industrial Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$100k	-	5 Year Jumbo IRA Share Certificate
3.35%	$100k	-	4 Year Jumbo IRA Share Certificate
3.30%	$500	-	5 Year IRA Share Certificate
3.20%	$100k	-	3 Year Jumbo IRA Share Certificate
3.15%	$500	-	4 Year IRA Share Certificate
3.00%	$500	-	3 Year IRA Share Certificate
2.70%	$100k	-	2 Year Jumbo IRA Share Certificate
2.50%	$500	-	2 Year IRA Share Certificate
2.45%	$100k	-	18 Month Jumbo IRA Share Certificate
2.30%	$100k	-	1 Year Jumbo IRA Share Certificate
2.25%	$500	-	18 Month IRA Share Certificate
2.10%	$500	-	1 Year IRA Share Certificate
1.70%	$100k	-	6 Month Jumbo IRA Share Certificate
1.50%	$500	-	6 Month IRA Share Certificate

Locations

Railroad & Industrial Federal Credit Union Locations
Branch Office	12125 N 56th St	Temple Terrace, FL 33617
Branch Office	2315 Drane Field Rd	Lakeland, FL 33811
Branch Office	3710 N 50th St	Tampa, FL 33619
Branch Office	1209 Kingsway Rd	Brandon, FL 33510
Branch Office	6106 Delancey Station St	Riverview, FL 33578
Branch Office	1701 W Baker St	Plant City, FL 33563
Branch Office	3305 Lakeland Hills Blvd	Lakeland, FL 33805
Branch Office	619 30th St NE	Ruskin, FL 33570
Branch Office	36239 State Road 54	Zephyrhills, FL 33541

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