Railroad & Industrial Federal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

3710 50th St N, Tampa, FL 33619

Website

(813) 621-6661

Data Source: NCUA, December 31, 2016


Railroad & Industrial Federal Credit Union was founded in 1935. Headquartered in Tampa, Florida, Railroad & Industrial Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF). Railroad & Industrial Federal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Railroad & Industrial Federal Credit Union services 33,685 members through its 8 offices and branches and 71 full-time and 8 part-time employees. It has $315,910,116 of total assets and $36,641,432 of net worth. Based on its asset size and net worth ratio, Railroad & Industrial Federal Credit Union is classified as a Well Capitalized medium large credit union.

Railroad & Industrial Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Railroad & Industrial Federal Credit Union also provides an array of services to its members and local communities. Railroad & Industrial Federal Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Railroad & Industrial Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Florida and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Florida
Median of USA
Checking
0.1000
0.0000
0.0000
Savings
0.3000
0.1500
0.1200
Money Market
0.5000
0.3000
0.2500
Certificate Deplit
1.2500
0.6100
0.5800
IRA
1.2500
0.4350
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Florida
National Median Rates
Credit Cards
11.9000
10.0000
9.9900
Unsecured Line of Credits
13.7500
11.2800
10.9500
Short-term Small Amount
n/a
24.0000
25.0000
Student Loans
n/a
5.9750
6.0200
New Car Loans
4.2500
3.2600
3.3300
Used Car Loans
4.7500
4.4350
4.5000
1st Mortgage Real Estates
6.0000
4.5000
4.2500
Other Real Estates
6.0000
5.0000
4.7000

Railroad & Industrial Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Railroad & Industrial Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
No
Share Account Transfers
No
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Railroad & Industrial Federal Credit Union actively involves in local communities by prliding services such as financial education.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Main
3710 N 50th St
Tampa, FL 33619
Phone:813-621-6661

North Lakeland
3305 Lakeland Hills Blvd
Lakeland, FL 33805
Phone:813-621-6661

Plant City
1701 W Baker St
Plant City, FL 33563
Phone:813-621-6661

Seffner
1209 Kingsway Rd
Brandon, FL 33510
Phone:813-621-6661

South Lakeland
2315 Drane Field Rd
Lakeland, FL 33811
Phone:813-621-6661

Southshore
619 30th St Ne
Ruskin, FL 33570
Phone:813-621-6661

Temple Terrace
12125 N 56th St
Temple Terrace, FL 33617
Phone:813-621-6661

Winthrop
6106 Delancey Station St
Riverview, FL 33578
Phone:813-621-6661

(813) 626-5026

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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