What are the current interest rates at RadiFi Credit Union?

Current rates for RadiFi Credit Union include: 12-Month CD: 2.65%, 18-Month CD: 0.50%, 24-Month CD: 3.40%, 60-Month CD: 3.35%, Savings: 0.10%, MMA: 0.40%

MonitorBankRates

☰

Home›
Credit Unions›
RadiFi Credit Union

iAdvertiser Disclosure

RadiFi Credit Union Rates & Review March 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

RadiFi Credit Union's 12-Month Term CD rates are at 4.05%, 12-Month Term CD rates are at 4.00%, 13-Month CD Special rates are at 4.00%, 17-Month CD Special (New Money Only) rates are at 4.00%, 12-Month Term CD rates are at 3.95%. RadiFi Credit Union's savings rates are at 0.10%. RadiFi Credit Union's money market rates are at 0.40%. RadiFi Credit Union's Personal Loan Rates are at 10.50%. 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 3.97%. Rates were last updated on 03/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.97%

Excellent Lower than avg

RadiFi Credit Union
Main Branch Park Street

562 Park St
Jacksonville, FL 32204 2918

https://www.radificu.org

RadiFi Credit Union CD Rates

Product	Rate	APY	Term
12-Month Term Certificate	3.98%	4.05%
Min Deposit $1,000,000 Min Balance $1,000,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	3.93%	4.00%
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
13-Month Share Certificate Special	3.93%	4.00%	13
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
17-Month Share Certificate Special (New Money Only)	3.93%	4.00%	17
Min Deposit $1,000,000 Min Balance $1,000,000 Details Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	3.88%	3.95%
Min Deposit $500,000 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
17-Month Share Certificate Special (New Money Only)	3.88%	3.95%	17
Min Deposit $500,000 Min Balance $500,000 Details Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	3.83%	3.90%
Min Deposit $250,000 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
17-Month Share Certificate Special (New Money Only)	3.83%	3.90%	17
Min Deposit $50,000 Min Balance $50,000 Details Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	3.78%	3.85%
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
17-Month Share Certificate Special (New Money Only)	3.78%	3.85%	17
Min Deposit $2,500 Min Balance $2,500 Details Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month Term Certificate	3.78%	3.85%	24
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.78%	3.85%	48
Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month Term Certificate	3.74%	3.80%	24
Min Deposit $500,000 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
30-Month Term Certificate	3.74%	3.80%	30
Min Deposit $500,000 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month Term Certificate	3.74%	3.80%	60
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
13-Month Certificate Special	-	3.75%	13
Min Deposit $2,500 Details Earn 3.75% APY* with a minimum $2,500 deposit. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.69%	3.75%	48
Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
30-Month Term Certificate	3.64%	3.70%	30
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month Term Certificate	3.64%	3.70%	60
Min Deposit $250,000 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
30-Month Term Certificate	3.54%	3.60%	30
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month Term Certificate	3.49%	3.55%	24
Min Deposit $250,000 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month Term Certificate	3.49%	3.55%	36
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.49%	3.55%	48
Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month Term Certificate	3.49%	3.55%	60
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month Term Certificate	3.45%	3.50%	24
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.45%	3.50%	48
Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month Term Certificate	3.45%	3.50%	60
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month Term Certificate	3.40%	3.45%	36
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.40%	3.45%	48
Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month Term Certificate	3.35%	3.40%	24
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month Term Certificate	3.35%	3.40%	36
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month Term Certificate	3.30%	3.35%	36
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month Term Certificate	3.30%	3.35%	48
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	3.30%	3.35%	6
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month Term Certificate	3.30%	3.35%	60
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	3.25%	3.30%	6
Min Deposit $500,000 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
3-Month Term Certificate	3.20%	3.25%	3
Min Deposit $1,000,000 Min Balance $1,000,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	3.20%	3.25%	6
Min Deposit $250,000 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	3.15%	3.20%	6
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
3-Month Term Certificate	3.11%	3.15%	3
Min Deposit $750,000 Min Balance $750,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	3.06%	3.10%	6
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Term Certificate	3.01%	3.05%	18 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
3-Month Term Certificate	2.96%	3.00%	3
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month Term Certificate	2.96%	3.00%	6
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Term Certificate	2.86%	2.90%	18 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
3-Month Term Certificate	2.86%	2.90%	3
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	2.81%	2.85%
Min Deposit $50,000 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Term Certificate	2.77%	2.80%	18 Months
Min Deposit $25,000 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	2.72%	2.75%
Min Deposit $25,000 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Term Certificate	2.72%	2.75%	18 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	2.67%	2.70%
Min Deposit $2,500 Min Balance $2,500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Term Certificate	2.67%	2.70%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month Term Certificate	2.62%	2.65%
Min Deposit $500 Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	1.00%	1.00%
Min Balance $7,500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.90%	0.90%
Min Balance $5,001 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.85%	0.85%
Min Balance $2,501 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.75%	0.75%
Min Balance $0 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Short Term Certificates (12 or 18 month term)	0.75%	0.75%
Min Balance $1,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Short Term Certificates (12 or 18 month term)	0.60%	0.60%
Min Balance $501 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Goal Short Term Certificates (12 or 18 month term)	0.50%	0.50%
Min Balance $0 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Savings Rates

Product	Rate	APY
Youth Savings	1.00%	1.00%
Min Balance $5 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Holiday Savings	0.10%	0.10%
Min Balance $100 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Savings	0.10%	0.10%
Min Balance $100 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
You-Name-It (Secondary) Savings	0.10%	0.10%
Min Balance $100 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Money Market Rates

Product	Rate	APY
Regular Money Market Account	1.19%	1.20%
Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Money Market Account	1.09%	1.10%
Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Money Market Account	1.05%	1.05%
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Money Market Account	0.85%	0.85%
Min Balance $10,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Money Market Account	0.75%	0.75%
Min Balance $2,500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Regular Money Market Account	0.40%	0.40%
Min Balance $100 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Checking Rates

Product	Rate	APY
Make Waves High Yield Checking	3.93%	4.00%
Details Qualifying balance up to $15,000.00 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Make Waves High Yield Checking	1.49%	1.50%
Min Balance $15,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.75%
Details As Low As Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
First Lien Home Equity Loan 0-80% Loan to Value Ratio Refinance - No Cash Out	5.75%	-	6.23%	10
Details Minimum loan amount is $50,000, Maximum amount is $250,000. Enjoy our quick turnaround, and up to $500 credit toward closing costs. Loan amounts over $150,000 require a full appraisal. Cash-out is limited to $2,000. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
First Lien Home Equity Loan 0-80% Loan to Value Ratio Cash Out	6.00%	-	6.48%	10
Details Minimum loan amount is $50,000, Maximum amount is $250,000. Enjoy our quick turnaround, and up to $500 credit toward closing costs. Loan amounts over $150,000 require a full appraisal. Cash-out is limited to $2,000. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Home Equity Line of Credit (Variable Rate)	-	-	6.75%
Details Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal. Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Home Equity Line of Credit (Variable Rate) 0-80%	-	-	6.75%
Details Up to $500 credit toward closing costs, an Annual Rate Cap, 8-year Draw Period, Low Margins over the Index Rate. Make sure to use your line of credit as inactivity fees apply! Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal. Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term. $50 annual inactivity fee in January when prior YTD finance charges were less than $100. Variable rate subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year. Displayed rate for borrowers with excellent credit. Other rates and terms are available. The rate and APR are the same. The actual rate is the greater of the current index rate plus the margin or the minimum rate (floor). The minimum rate is 3.25%. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 0-80% Loan to Value Ratio	6.50%	-	6.99%	10
Details Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Home Equity Line of Credit (Variable Rate)	-	-	7.00%
Details Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal. Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Home Equity Line of Credit (Variable Rate) 81-90%	-	-	7.00%
Details Up to $500 credit toward closing costs, an Annual Rate Cap, 8-year Draw Period, Low Margins over the Index Rate. Make sure to use your line of credit as inactivity fees apply! Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal. Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term. $50 annual inactivity fee in January when prior YTD finance charges were less than $100. Variable rate subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year. Displayed rate for borrowers with excellent credit. Other rates and terms are available. The rate and APR are the same. The actual rate is the greater of the current index rate plus the margin or the minimum rate (floor). The minimum rate is 3.25%. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 0-80% Loan to Value Ratio	6.25%	-	7.16%	5
Details Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 0-80% Loan to Value Ratio	6.99%	-	7.24%	20
Details Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 91-95% Loan to Value Ratio for Home Improvement Only	8.50%	-	9.03%	10
Details Loans over $150,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 91-95% Loan to Value Ratio for Home Improvement Only	8.80%	-	9.20%	15
Details Loans over $150,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 91-95% Loan to Value Ratio for Home Improvement Only	8.25%	-	9.21%	5
Details Loans over $150,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Second Lien Home Equity Loan 91-95% Loan to Value Ratio for Home Improvement Only	8.99%	-	9.26%	20
Details Loans over $150,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Up to $500 credit toward closing costs available. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.85%
Details As Low As Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Credit Card Rates

Product	Rate	APR
New Visa Credit Card Offer	-	1.90%
Details Intro rate expires: 12 months Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Visa Balance Transfer Promotion	-	2.99%
Details Hurry! Offer ends March 31st - 2.99% APR* for 15 Months on balance transfers with a 1% fee Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Platinum Visa® Card	-	12.40%
Details Regular APR: 12.40% - 16.90% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Rewards Visa® Card	-	13.40%
Details Regular APR: 13.40% - 16.90% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Secured Visa® Card	-	13.90%
Details Regular APR: 13.90% - 13.90% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Rewards Visa® Card	-	13.90%
Details Regular APR: 13.90% - 18.00% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Business Rewards Visa® Card	-	15.90%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Business Secured Visa® Card	-	16.90%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Business Impact Visa® Card	-	17.90%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

RadiFi Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	10.50%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Loan	-	10.75%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Loan	-	11.00%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Personal Loan	-	11.25%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

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.

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 132

Part-Time Employees 1

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

3.97%

Return on Assets (ROA)

0.2079%

Return on Equity (ROE)

2.2398%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

704,913,184

Total Amount of Shares and Deposits

550,436,813

Total Shares and Deposits < 1 Year

513,841,484

Total Shares and Deposits 1 3 Years

32,643,125

Total Shares and Deposits > 3 Years

3,952,204

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

33,390,163

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

33,390,163

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

517,046,650

Total Interest Expense (Sum of items 6 8)

7,152,438

Share Certificates

3,680

Number of Accounts for Share Drafts

29,495

IRA KEOGH Accounts

1,054

Number of Accounts for Regular Shares

50,440

Non Member Deposits

10,299

Money Market Shares

3,418

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

1,285,262

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

26,237,438

Total Liabilities

647,799,642

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

KNRk

★★★★★

December 17, 2025

uFTE

Sandra223

★★★★☆

October 16, 2023

I was able to join with no problem.

Bill S.

★★★★★

October 16, 2023

Great credit union!!

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for RadiFi Credit Union

Frequently Asked Questions About RadiFi Credit Union

Is RadiFi Credit Union a safe place to deposit money?

Yes, RadiFi Credit Union is considered a safe financial institution. With a Texas Ratio of 3.9704469064041%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.