Railroad & Industrial Federal Credit Union - Home. Railroad & Industrial Federal Credit Union is a member-owned, not-for-profit financial institution with nine locations in the Tampa Bay area. We serve our customers with low cost loans and higher than market average on certificates of deposit.. bank, credit, credit union, checking, savings, certificates, cd, suncoast, grow, GTE, midflorida, hillsborough, polk, car, boat, rv, house, home, mortgage, creidt, credits, unions, federal, federal creitt union, federal credit union, federal credit unions, youth account, banking, pasco, zephyrhills, scholarship, youth advisory board, credit card rewards, rewards