Railroad & Industrial Federal Credit Union

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A short history of Railroad & Industrial FCU

Since its inception in 1935 the Railroad & Industrial Federal Credit Union has been serving its members in the TAMPA, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Peter Giorgianni, the Railroad & Industrial FCU has grown its membership to over 34,815 with assets of more than $328,594,767. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at (813) 621-6661 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TAMPA, FL.

General Information For Railroad & Industrial FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24703
Address 3710 50TH ST N 
City TAMPA 
State Florida 
Zip-Code 33619
Phone Number (813) 621-6661
Fax Number (813) 626-5026
Email Address: none
CEO/President Peter Giorgianni
Members 34,815 
Full-Time Employees 75 
Part-Time Employees
Number of Branch Offices
Total Assets 328,594,767 
Website http://www.rifcu.org 

Compare Railroad & Industrial Federal Credit Union To Other Local Credit Unions


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Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Grow Financial CU Main Base Branch 2418 Florida Keys Ave 33621 (813) 840-0353 No 2.49
Coast 2 Coast Financial CU Main Office 8916 Sabal Industrial Blvd 33619 (813) 621-9631 No 4.09
Florida Customs CU Tampa location 1624 E 7th Ave Ste 102 33605 (813) 248-1527 No 4.67
Powernet CU Main Office 5619 Harney Rd 33610 (813) 621-6454 No 4.85
Florida West Coast CU KENNEDY 601 E KENNEDY BLVD 33602 (813) 226-2606 No 4.90

Railroad & Industrial Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Railroad & Industrial Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.90 4.25 4.75 6.00 6.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 406 311 296 373 341
Rank Among All Florida Credit Unions 48 63 43 60 42

Railroad & Industrial Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.30 0.50 1.25 1.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 88 60 126 125
Rank Among All Florida Credit Unions 11 7 7 14 8
Railroad & Industrial Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.9005,6436,170,234
All Other Unsecured Loans/Lines of Credit 13.7501,6133,272,368
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.2502,30128,379,651
Used Vehicle Loans 4.7504,37432,645,266
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.00031818,874,174
Total Other Real Estate Loans/Lines of Credit 6.0002117,326,746
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.0004616,061,783
TOTAL LOANS & LEASES 14,921102,730,222

Railroad & Industrial Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 672,671,35200
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 20410,972,347271,600,190
Adjustable Rate > 1 yr 475,230,475236,600

OTHER REAL ESTATE

Closed-End Fixed Rate 128,54700
Closed-End Adjustable Rate 1212,95600
Open-End Adjustable Rate 2097,085,24329837,156
Open-End Fixed Rate 0000
TOTALS 52926,200,920582,473,946

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 642,284,5080
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Railroad & Industrial Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes