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RadiFi Credit Union

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RadiFi Credit Union Rates & Review November 2026

Item: RadiFi Credit Union
Rating: 5
Author: Bill S.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

RadiFi Credit Union's 11-Month Flex Access CD rates are at 4.30%, 17-Month Term CD rates are at 4.30%, 12-Month Term CD rates are at 4.05%, 24-Month Term CD rates are at 3.85%, 48-Month Term CD rates are at 3.85%. RadiFi Credit Union's savings rates are at 0.10%. RadiFi Credit Union's money market rates are at 4.00%. RadiFi Credit Union's Personal Loan Rates are as low as 10.50%. RadiFi Credit Union's Credit Card Rates are at 12.65%. RadiFi Credit Union's CD rates are 38% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of RadiFi Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.41%. Rates last updated and verified on 10/31/2026.

RadiFi Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RadiFi Credit Union? Share your experience about RadiFi Credit Union by leaving a review below, or read customer reviews before you decide to use RadiFi Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.41%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

RadiFi Credit Union
Main Branch - Park Street

562 Park St
Jacksonville, FL 32204-2918

https://www.radificu.org

Customer Reviews

4.5 ★ 2 reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

RadiFi Credit Union CD Rates

Product	Rate	APY	Term
9-Month Share Certificate Special	4.803%	4.91%	9 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 or Higher (new money only); Promotional certificate; Offer begins October 15, 2026, available for a limited time; Penalty for early withdrawal; Fees may reduce earnings Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access CD	-	4.30%	11 months
Min Deposit $500 Details Featured CD Special; $500 Minimum (New Money) Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$2,499.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500-$24,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$249,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000-$499,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000-$749,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $750,000 Details Balance: $750,000-$999,999.99; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.218%	4.30%	11 months
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Tiered Structure; Limited time offer; Opening deposit $500.00 from new money (not on deposit within prior 30 days or external funds); Two additional new-money deposits allowed within first 60 days; Single partial withdrawal up to $5,000 after 7 days without penalty Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 26, 20264.30%▲ from 4.10% Oct 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $500 Details Balance: $500-$24,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85% Oct 20, 20264.30%▲ from 3.85% Sep 27, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 20, 20264.30%▲ from 3.90% Sep 27, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 20, 20264.30%▲ from 3.90% Sep 27, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 20, 20264.30%▲ from 3.90% Sep 27, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95% Oct 20, 20264.30%▲ from 3.95% Sep 27, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 27, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95% Oct 20, 20264.30%▲ from 3.95% Sep 27, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	4.218%	4.30%	17 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; New money only; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Oct 20, 20264.30%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Term CD	-	4.30%	17 months
Min Deposit $500 Details Featured CD Special; $500 Minimum (New Money) Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate	-	4.10%	11 months
Min Deposit $500 Details Current Specials; $500 Min (New Money Only); Learn More Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $500 Details Balance: $500-$24,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 2 changes since Sep 27, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 26, 20264.10%▲ from 4.00% Oct 14, 20264.00%▲ from 3.90% Sep 27, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	4.025%	4.10%	13 months
Min Balance $1,000,000 Details Balance: $1,000,000 or higher; APY effective as of 10/23/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 26, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.977%	4.05%	12 months
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 4.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.928%	4.00%	12 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.88%	3.95%	12 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.832%	3.90%	12 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.784%	3.85%	12 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.735%	3.80%	24 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.687%	3.75%	48 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.639%	3.70%	6 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.59%	3.65%	6 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.542%	3.60%	6 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.494%	3.55%	24 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.494%	3.55%	48 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.494%	3.55%	6 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.494%	3.55%	60 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.445%	3.50%	48 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.445%	3.50%	6 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.445%	3.50%	60 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.397%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.348%	3.40%	36 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.348%	3.40%	6 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $500 Details Balance: $500-$2,499.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Effective 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $500 Details Balance: $500-$2,499.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Tiered Structure; APY effective 10/23/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.203%	3.25%	3-Month
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.105%	3.15%	3-Month
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3-Month
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3-Month
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3-Month
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3-Month
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.862%	2.90%	18 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3-Month
Min Balance $500 Details Balance: $500-$2,499.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3-Month
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3-Month
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Tiered Structure Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.813%	2.85%	12 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.765%	2.80%	18 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.716%	2.75%	12 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.716%	2.75%	18 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.667%	2.70%	12 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.667%	2.70%	18 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.618%	2.65%	12 months
Min Balance $500 Details Balance: $500-$2,499.99; Current Certificate Promotion; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 Month Personal Goal Longer-Term Variable Rate Certificates	0.995%	1.00%	36 months
Min Balance $7,500 Details Term: 36-month or 60-month terms; Balance: $7,500.01 and up; Current Certificate Promotions Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 Month Personal Goal Longer-Term Variable Rate Certificates	0.896%	0.90%	36 months
Min Balance $5,001 Details Term: 36-month or 60-month terms; Balance: $5,001 - $7,500; Current Certificate Promotions Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 Month Personal Goal Longer-Term Variable Rate Certificates	0.847%	0.85%	36 months
Min Balance $2,501 Details Term: 36-month or 60-month terms; Balance: $2,501 - $5,000; Current Certificate Promotions Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.747%	0.75%	12 months
Min Balance $1,000 Details Term: 12-month or 18-month term; Balance: $1,000.01-$1,500; APY effective as of 10/19/2026; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.747%	0.75%	12 months
Min Balance $1,500 Details Term: 12-month or 18-month term; Balance: $1,500.01 and up; APY effective as of 10/19/2026; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 Month Personal Goal Longer-Term Variable Rate Certificates	0.747%	0.75%	36 months
Min Balance $0 Details Term: 36-month or 60-month terms; Balance: $0.01 to $2,500; Current Certificate Promotions Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.598%	0.60%	12 months
Min Balance $501 Details Term: 12-month or 18-month term; Balance: $501-$1,000; APY effective as of 10/19/2026; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.499%	0.50%	12 months
Min Balance $0 Details Term: 12-month or 18-month term; Balance: $0.01-$500; APY effective as of 10/19/2026; Early withdrawal penalties may apply Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	0.099%	0.10%
Min Balance $100 Details Minimum balance to earn dividends: $100; APYs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Savings	0.099%	0.10%
Min Balance $100 Details Minimum balance to earn dividends: $100; APYs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
You-Name-It (Secondary) Savings	0.099%	0.10%
Min Balance $100 Details Minimum balance to earn dividends: $100; APYs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Money Market Rates

Product	Rate	APY
Tidal Wave Money Market Account	3.928%	4.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	3.445%	3.50%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.736%	1.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.243%	1.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.193%	1.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.094%	1.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.045%	1.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.995%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.847%	0.85%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 and over; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100-$2,499 Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100-$2,499; New money only Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
First Lien Home Equity Loan - Cash Out	7.00%	-	7.00%	10 years
Details 0-80% Loan to Value Ratio; Pre-Paid Finance Charge $851.50; P&I Payment $290.27; Loan amount $50,000 minimum, $250,000 maximum; Cash-out limited to $2,000; Up to $750 credit toward closing costs Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Second Lien Home Equity Loan - 5 Years	7.00%	-	7.00%	5 years
Details 0-80% Loan to Value Ratio; Pre-Paid Finance Charge $851.50; P&I Payment $495.03; Fixed rate, up to 95% LTV for home improvement; up to $750 credit toward closing costs; $400.00 origination fee may apply; example based on $25,000 loan balance Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Home Equity Line of Credit (Variable Rate)	7.00%	-	7.44%
Details Loan to Value Ratio: 0-80%; Index Rate: 7.00%; Margin: 0.00%; Index Plus Margin: 7.00%; Variable rate based on WSJ prime, annual cap 3%, minimum rate 3.25%, maximum rate 15%; 8-year draw period with 12-year repayment; $50 annual inactivity fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Home Equity Line of Credit (Variable Rate)	7.25%	-	7.69%
Details Loan to Value Ratio: 81-90%; Index Rate: 7.00%; Margin: 0.25%; Index Plus Margin: 7.25%; Variable rate based on WSJ prime, annual cap 3%, minimum rate 3.25%, maximum rate 15%; 8-year draw period with 12-year repayment; $50 annual inactivity fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Second Lien Home Equity Loan - 20 Years	8.00%	-	8.00%	20 years
Details 0-80% Loan to Value Ratio; Pre-Paid Finance Charge $851.50; P&I Payment $209.11; Fixed rate, up to 95% LTV for home improvement; up to $750 credit toward closing costs; $400.00 origination fee may apply; example based on $25,000 loan balance Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Second Lien Home Equity Loan 91-95% LTV Home Improvement Only - 5 Years	9.00%	-	9.00%	5 Years
Details P&I Payment: $518.96; Pre-Paid Finance Charge: $851.50; Fixed rate, up to 95% LTV for home improvement only; example based on $25,000 loan balance; up to $750 credit toward closing costs; $400.00 origination fee may apply Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Second Lien Home Equity Loan 91-95% LTV Home Improvement Only - 20 Years	10.00%	-	10.00%	20 Years
Details P&I Payment: $241.26; Pre-Paid Finance Charge: $851.50; Fixed rate, up to 95% LTV for home improvement only; example based on $25,000 loan balance; up to $750 credit toward closing costs; $400.00 origination fee may apply Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.50%	0-48 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $23.26; Mileage could affect the maximum term allowed. Max mileage is 100,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.75% → 5.50% ▲ 0.75 pts · high 5.50% / low 4.75% Oct 20, 20265.50%▲ from 4.75% Sep 18, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.75%	49-66 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $17.71; Mileage could affect the maximum term allowed. Max mileage is 100,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.75% ▲ 0.26 pts · high 5.75% / low 5.49% Oct 20, 20265.75%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.94%	67-78 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $15.49; $15K minimum; Mileage could affect the maximum term allowed. Max mileage is 100,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79% Oct 20, 20265.94%▲ from 5.79% Sep 18, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	6.59%	79-84 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $14.89; $25K minimum; Mileage could affect the maximum term allowed. Max mileage is 100,000 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 6.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	9.25%	0-48 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $25.00; Payment examples are based on the highest term in each tier Last Updated 10/31/2026 Rate History 3 changes since Sep 15, 2026 · 9.75% → 9.25% ▼ 0.50 pts · high 9.75% / low 9.25% Oct 20, 20269.25%▼ from 9.75% Oct 2, 20269.75%▲ from 9.25% Sep 18, 20269.25%▼ from 9.75% Sep 15, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	9.50%	49-60 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $21.00; Payment examples are based on the highest term in each tier Last Updated 10/31/2026 Rate History 3 changes since Sep 15, 2026 · 10.00% → 9.50% ▼ 0.50 pts · high 10.00% / low 9.50% Oct 20, 20269.50%▼ from 10.00% Oct 2, 202610.00%▲ from 9.50% Sep 18, 20269.50%▼ from 10.00% Sep 15, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars - 0-48 Months Loan	-	-	9.75%	0-48 months
Details As Low As; Classic/collectible vehicles listed in Black Book classic, collectible, and special interest car appraisal guide; APR effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars - 49-60 Months Loan	-	-	10.00%	49-60 months
Details As Low As; Classic/collectible vehicles listed in Black Book classic, collectible, and special interest car appraisal guide; APR effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars - 61-72 Months Loan	-	-	10.25%	61-72 months
Details As Low As; Classic/collectible vehicles listed in Black Book classic, collectible, and special interest car appraisal guide; $20K minimum loan amount; APR effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorhomes (2025-2026) Loan	-	6.25%	60 Months
Details As Low As; Estimated payment per $1,000 borrowed: $19.45 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	6.50%	72 Months
Details As Low As; Estimated payment per $1,000 borrowed: $16.81 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) - 48 Months Loan	-	6.75%	48 Months
Details As Low As; APR as low as; Estimated payment per $1,000 borrowed excluded Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	6.75%	84 Months
Details As Low As; Loan minimum: $30K; Estimated payment per $1,000 borrowed: $14.97 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	7.00%	48 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 48 Months Loan	-	7.00%	48 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $23.95 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) - 60 Months Loan	-	7.00%	60 Months
Details As Low As; APR as low as; Estimated payment per $1,000 borrowed excluded Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.00%	96 Months
Details As Low As; Loan minimum: $30K; Estimated payment per $1,000 borrowed: $13.63 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	7.25%	60 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 60 Months Loan	-	7.25%	60 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $19.92 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) - 72 Months Loan	-	7.25%	72 Months
Details As Low As; APR as low as; Minimum: $20K; Estimated payment per $1,000 borrowed excluded Last Updated 10/31/2026 Rate History No change since Oct 2, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.25%	108 Months
Details As Low As; Loan minimum: $30K; Estimated payment per $1,000 borrowed: $12.63 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.25%	60 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	7.50%	72 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $20K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 72 Months Loan	-	7.50%	72 Months
Details As Low As; $20K minimum; Estimated Payment per $1,000 Borrowed: $17.29 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.50%	120 Months
Details As Low As; Loan minimum: $30K; Estimated payment per $1,000 borrowed: $11.87 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.50%	36 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.50%	72 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	7.75%	84 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 84 Months Loan	-	7.75%	84 Months
Details As Low As; $30K minimum; Estimated Payment per $1,000 Borrowed: $15.46 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.75%	144 Months
Details As Low As; Loan minimum: $50K; Estimated payment per $1,000 borrowed: $10.69 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	7.75%	36 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.75%	48 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.75%	84 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months; 84-120 Months: $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	7.75%	36 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	8.00%	96 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 96 Months Loan	-	8.00%	96 Months
Details As Low As; $30K minimum; Estimated Payment per $1,000 Borrowed: $14.14 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	8.00%	180 Months
Details As Low As; Loan minimum: $50K; Estimated payment per $1,000 borrowed: $9.56 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.00%	48 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	8.00%	60 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.00%	96 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months; 84-120 Months: $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.00%	48 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	8.25%	108 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 108 Months Loan	-	8.25%	108 Months
Details As Low As; $30K minimum; Estimated Payment per $1,000 Borrowed: $13.15 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.25%	60 Months
Details As Low As; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.25%	108 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months; 84-120 Months: $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.25%	60 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	8.50%	120 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $50K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 120 Months Loan	-	8.50%	120 Months
Details As Low As; $50K minimum; Estimated Payment per $1,000 Borrowed: $12.40 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.50%	72 Months
Details As Low As; $20K minimum; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.50%	120 Months
Details As Low As; Model Year: 2021-2025; Max term 120 months; 84-120 Months: $30K minimum Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.50%	72 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers; $20K minimum Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New ATVs, Dirt Bikes & Jet Skis Loan	-	8.75%	180 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $50K minimum Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) - 180 Months Loan	-	8.75%	180 Months
Details As Low As; $50K minimum; Estimated Payment per $1,000 Borrowed: $9.99 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.75%	84 Months
Details As Low As; $30K minimum; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.75%	84 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers; $30K minimum Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	9.00%	96 Months
Details As Low As; $50K minimum; APRs effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	9.00%	96 Months
Details As Low As; Includes titled ATVs, dirt bikes, jet skis, and towable campers; $50K minimum Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Card	-	12.65%
Details As Low As; APR up to 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 2, 202612.65%▲ from 12.40% Sep 15, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Rewards Visa Card	-	13.65%
Details As Low As; APR up to 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40% Oct 2, 202613.65%▲ from 13.40% Sep 15, 202613.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Secured Visa Card	-	13.90%
Details As Low As; APR up to 13.90% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 13.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	-	14.15%
Details As Low As; APR up to 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Rewards Visa Card	-	15.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 15.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Secured Visa Card	-	16.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 16.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Impact Visa Card	-	17.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 17.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	36 months
Details Minimum personal loan amount $500; maximum personal loan amount $30,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loan	10.75%	48 months
Details Minimum personal loan amount $500; maximum personal loan amount $30,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loan	11.00%	60 months
Details Minimum personal loan amount $500; maximum personal loan amount $30,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loan	11.25%	72 months
Details Minimum loan $15,000; minimum personal loan amount $500; maximum personal loan amount $30,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	14.15%
Details As Low As; APR up to 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	14.75%
Details Payment Terms: 2% of balance; Estimated Payment per $1,000 Borrowed: $22.50 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 14.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Coverdell ESA	0.099%	-	0.10%
Min Balance $5 Details Minimum balance to earn dividends; APY effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Traditional/Roth IRA	0.099%	-	0.10%
Min Balance $100 Details Minimum balance to earn dividends; APY effective as of 10/19/2026 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

RadiFi Credit Union’s Texas Ratio fell from 4.51% in Q3 2023 to 3.41% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$715M	3.41%	5.0	A+
March 31, 2026	$706M	3.50%	5.0	A+
December 31, 2025	$712M	6.09%	5.0	A
September 30, 2025	$705M	3.76%	5.0	A+
June 30, 2025	$652M	2.83%	5.0	A+
March 31, 2025	$632M	1.55%	5.0	A+
December 31, 2024	$605M	3.96%	5.0	A+
September 30, 2024	$599M	3.89%	5.0	A+
June 30, 2024	$590M	4.19%	5.0	A+
March 31, 2024	$594M	3.49%	5.0	A+
December 31, 2023	$581M	5.12%	5.0	A+
September 30, 2023	$579M	4.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for RadiFi Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather RadiFi Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RadiFi Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RadiFi Credit Union

Website https://www.radificu.org

Address 562 Park St, Jacksonville, FL 32204-2918

Phone 904-475-8000

Fax 904-359-8328

President Rodomir Desir

CEO John Servos

Full-Time Employees 126

Part-Time Employees 4

Branch Locations 8

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.41%

Return on Assets (ROA)

0.3007%

Return on Equity (ROE)

3.1388%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

715,152,490

Total Amount of Shares and Deposits

558,409,943

Total Shares and Deposits < 1 Year

539,999,076

Total Shares and Deposits 1 3 Years

14,623,280

Total Shares and Deposits > 3 Years

3,787,587

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,019,311

Total Uninsured Shares and Deposits > $250K (F+J)

32,019,311

Total Insured Shares and Deposits > $250K (item 17 less item K)

526,390,632

Total Interest Expense (Sum of items 6 8)

5,563,053

Share Certificates

3,668

Number of Accounts for Share Drafts

29,779

IRA KEOGH Accounts

1,034

Number of Accounts for Regular Shares

50,399

Non Member Deposits

7,392

Money Market Shares

3,311

Net Income (unless the amount is already included in Undivided Earnings)

2,150,547

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,435,937

Total Liabilities

655,745,139

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

RadiFi Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Sandra223

★★★★☆

October 16, 2023

I was able to join with no problem.

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Bill S.

★★★★★

October 16, 2023

Great credit union!!

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Want to discuss RadiFi Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★☆

Total Reviews

Add Your Rating and Review for RadiFi Credit Union

Frequently Asked Questions About RadiFi Credit Union

Does RadiFi Credit Union offer CDs?

Yes. RadiFi Credit Union current CD rates include its 11-Month Flex Access CD at 4.30% APY, its 17-Month Term CD at 4.30% APY and its 12-Month Term CD at 4.05% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from RadiFi Credit Union NCUA insured?

Yes. RadiFi Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at RadiFi Credit Union?

The highest RadiFi Credit Union CD rate is its 9-Month CD Special at 4.91% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does RadiFi Credit Union offer?

RadiFi Credit Union CD rates are 4.30% APY for an 11 month CD, 4.05% APY for a 12 month CD, 4.30% APY for a 17 month CD, 2.70% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.85% APY for a 4 year CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with RadiFi Credit Union for its full lineup.

What is the highest savings rate at RadiFi Credit Union?

The highest RadiFi Credit Union savings rate is its Holiday Savings at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at RadiFi Credit Union?

The highest RadiFi Credit Union money market rate is its Tidal Wave Money Market Account at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at RadiFi Credit Union?

The lowest RadiFi Credit Union auto loan rate is its Used Auto, Van, Pickup, SUV (2019-2026) at 5.50% APR, verified by MonitorBankRates as of October 31, 2026. RadiFi Credit Union auto loan rates are 9.75% APR for a 48 month auto loan, 10.00% APR for a 60 month auto loan and 10.25% APR for a 72 month auto loan.

What is the lowest personal loan rate at RadiFi Credit Union?

The lowest RadiFi Credit Union personal loan rate is its Personal Loan at 10.50% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at RadiFi Credit Union?

The lowest RadiFi Credit Union credit card APR is its Platinum Visa Card Credit Card at 12.65% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does RadiFi Credit Union operate?

RadiFi Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RadiFi Credit Union?

Yes, to access services at RadiFi Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RadiFi Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RadiFi Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does RadiFi Credit Union offer online and mobile banking?

Most modern institutions like RadiFi Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.radificu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do RadiFi Credit Union rates compare?

RadiFi Credit Union's CD rates are 38% higher than the MonitorBankRates national average, and it has an A+ health rating. RadiFi Credit Union's top rates are its 9-Month CD Special at 4.91% APY, its Holiday Savings at 0.10% APY, its Tidal Wave Money Market Account at 4.00% APY, its Personal Loan at 10.50% APR and its Platinum Visa Card Credit Card at 12.65% APR, verified by MonitorBankRates on October 31, 2026.

Current RadiFi Credit Union Rates

12-Month CD0.50%
18-Month CD2.70%
24-Month CD3.40%
60-Month CD3.35%
Savings0.10%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

RadiFi Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

RadiFi Credit Union Texas Ratio

RadiFi Credit Union Health Trend

RadiFi Credit Union CD Rates

RadiFi Credit Union Savings Rates

RadiFi Credit Union Money Market Rates

RadiFi Credit Union Home Equity & HELOC

RadiFi Credit Union Auto Loan Rates

RadiFi Credit Union RV, Boat and Powersport Loan Rates

RadiFi Credit Union Credit Card Rates

RadiFi Credit Union Personal Loan Rates

RadiFi Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

RadiFi Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About RadiFi Credit Union

Does RadiFi Credit Union offer CDs?

Are CDs from RadiFi Credit Union NCUA insured?

What is the highest CD rate at RadiFi Credit Union?

What CD terms does RadiFi Credit Union offer?

What is the highest savings rate at RadiFi Credit Union?

What is the highest money market rate at RadiFi Credit Union?

What is the lowest auto loan rate at RadiFi Credit Union?

What is the lowest personal loan rate at RadiFi Credit Union?

What is the lowest credit card APR at RadiFi Credit Union?

How many branches does RadiFi Credit Union operate?

Is a member application needed to join RadiFi Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does RadiFi Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do RadiFi Credit Union rates compare?

Current RadiFi Credit Union Rates

Compare to Other Credit Unions