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%, MMA: 3.00%

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RadiFi Credit Union

iAdvertiser Disclosure

RadiFi Credit Union Rates & Review September 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

RadiFi Credit Union's 11-Month Flex Access CD Special (New Money Only) - Limited Time Offer rates are at 4.10%, 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%. RadiFi Credit Union's money market rates are at 3.00%. RadiFi Credit Union's Personal Loan Rates are as low as 10.50%. RadiFi Credit Union's Credit Card Rates are at 12.40%. 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 3.50%. Rates last updated and verified on 09/18/2026.

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

3.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $500 Details Balance: $500-$2,499.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500-$24,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$249,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000-$499,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000-$749,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $750,000 Details Balance: $750,000-$999,999.99; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.03%	4.10%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account's term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union's account disclosures for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	3.98%	4.05%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	3.93%	4.00%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	3.88%	3.95%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.88%	3.95%
Min Balance $500,000 Details Balance: $500,000-$749,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.88%	3.95%
Min Balance $750,000 Details Balance: $750,000-$999,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	3.83%	3.90%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.83%	3.90%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
13-Month Share Certificate Special	3.83%	3.90%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.83%	3.90%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.83%	3.90%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.83%	3.90%
Min Balance $250,000 Details Balance: $250,000-$499,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	3.78%	3.85%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.78%	3.85%
Min Balance $2,500 Details Balance: $2,500-$24,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
17-Month Share Certificate Special (New Money Only)	3.78%	3.85%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.78%	3.85%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.78%	3.85%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.74%	3.80%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.74%	3.80%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.74%	3.80%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.74%	3.80%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.74%	3.80%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.74%	3.80%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.69%	3.75%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.64%	3.70%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.64%	3.70%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.64%	3.70%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.64%	3.70%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.64%	3.70%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.64%	3.70%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.59%	3.65%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.54%	3.60%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.54%	3.60%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30-Month Term Certificate	3.54%	3.60%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.54%	3.60%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.49%	3.55%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.49%	3.55%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.49%	3.55%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.49%	3.55%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.49%	3.55%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.49%	3.55%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.45%	3.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.45%	3.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.45%	3.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.45%	3.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.45%	3.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.40%	3.45%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.40%	3.45%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.40%	3.45%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.40%	3.45%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.35%	3.40%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.35%	3.40%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24-Month Term Certificate	3.35%	3.40%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.35%	3.40%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.35%	3.40%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.30%	3.35%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.30%	3.35%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36-Month Term Certificate	3.30%	3.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.30%	3.35%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.30%	3.35%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48-Month Term Certificate	3.30%	3.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.30%	3.35%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.30%	3.35%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
60-Month Term Certificate	3.30%	3.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.25%	3.30%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.25%	3.30%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6-Month Term Certificate	3.25%	3.30%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	3.20%	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	3.11%	3.15%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	3.01%	3.05%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	3.01%	3.05%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	3.01%	3.05%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	3.01%	3.05%
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	3.01%	3.05%
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.96%	3.00%
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	2.86%	2.90%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.86%	2.90%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.86%	2.90%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3-Month Term Certificate	2.86%	2.90%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	2.81%	2.85%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	2.77%	2.80%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	2.72%	2.75%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	2.72%	2.75%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	2.67%	2.70%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18-Month Term Certificate	2.67%	2.70%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12-Month Term Certificate	2.62%	2.65%
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	1.00%	1.00%
Min Balance $7,500 Details Balance: $7,500.01 and up; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.90%	0.90%
Min Balance $5,001 Details Balance: $5,001-$7,500; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.85%	0.85%
Min Balance $2,501 Details Balance: $2,501-$5,000; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)	0.75%	0.75%
Min Balance $0 Details Balance: $0.01 to $2,500; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Short Term Certificates (12 or 18 month term)	0.75%	0.75%
Min Balance $1,000 Details Balance: $1,000.01-$1,500; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Short Term Certificates (12 or 18 month term)	0.75%	0.75%
Min Balance $1,500 Details Balance: $1,500.01 and up; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Short Term Certificates (12 or 18 month term)	0.60%	0.60%
Min Balance $501 Details Balance: $501-$1,000; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Personal Goal Short Term Certificates (12 or 18 month term)	0.50%	0.50%
Min Balance $0 Details Balance: $0.01-$500; APY = Annual Percentage Yield and is effective as of 9/1/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	-	4.00%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Tidal Wave Money Market Account	3.93%	4.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000.00; New money is defined as funds not currently on deposit with RadiFi Credit Union. Please see the Truth-in-Savings Disclosure for complete disclosures of this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Tidal Wave Money Market Account	-	4.00%
Details Ride the Wave to Savings - Earn up to 4.00% APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Tidal Wave Money Market Account	3.45%	3.50%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00; New money is defined as funds not currently on deposit with RadiFi Credit Union. Please see the Truth-in-Savings Disclosure for complete disclosures of this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Tidal Wave Money Market Account	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00; New money is defined as funds not currently on deposit with RadiFi Credit Union. Please see the Truth-in-Savings Disclosure for complete disclosures of this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	-	4.00%
Details No Minimum Balance Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Make Waves High Yield Checking	3.93%	4.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; Account Qualifications must be met to earn stated APY for Make Waves High Yield Checking; Balance: $0.00 - $15,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Make Waves High Yield Checking	1.49%	1.50%
Min Balance $15,000 Details Balance: $15,000.01 or greater; Balance: $15,000.01 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.75%
Details as low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
First Lien Home Equity Loan 0-80% Loan to Value Ratio1 - Cash Out	6.00%	-	6.00%	10 years
Details The minimum loan amount is $50,000, Maximum amount is $250,000. Enjoy our quick turnaround, and up to $750 credit toward closing costs. Loan amounts over $150,000 require a full appraisal. The example is based on a $25,000 loan balance over 10 years. Prepaid Finance Charges paid by the member and affect the Annual Percentage Rate. Escrow for taxes and insurance may be needed and are not included in the principal and interest (P&I) payment amount shown above. Cash-out is limited to $2,000. APR = Annual Percentage Rate. Advertised rate is based on creditworthiness, loan amount, loan-to-value, and term. Rates and terms subject to change without notice. Closing costs and a $400.00 origination fee may apply. Property insurance required. Consult a tax advisor regarding deductibility of interest. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Second Lien Home Equity Loan 81-90% Loan to Value Ratio	7.00%	-	7.00%	5 years
Details Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate. Principal and Interest (P&I) together equal the payment amount. APR = Annual Percentage Rate. Advertised rate is based on creditworthiness, loan amount, loan-to-value, and term. Rates and terms subject to change without notice. Closing costs and a $400.00 origination fee may apply. Property insurance required. Consult a tax advisor regarding deductibility of interest. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	4.75%	0-48 Months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New & Used Auto and Recreational Vehicle Loans	-	-	4.85%
Details as low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.49%	49-66 Months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.79%	67-78 Months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	6.59%	79-84 Months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 79-84 Months: $25K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Older Used Auto (2016-2018, less than 100,000 miles) Loan	-	-	9.25%	0-48 Months
Details As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Older Used Auto (2016-2018, less than 100,000 miles) Loan	-	-	9.50%	49-60 Months
Details As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	9.75%	0-48 Months
Details As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	10.00%	49-60 Months
Details As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	10.25%	61-72 Months
Details As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Auto and Recreational Vehicle Loans	-	4.85%
Details as low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	6.25%	60 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	6.50%	72 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorcycles (2025 - 2026) Loan	-	6.75%	48 Months
Details As Low As; 72 months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	6.75%	84 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.00%	48 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorcycles (2025 - 2026) Loan	-	7.00%	60 Months
Details 72 months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	7.00%	96 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	7.00%	48 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.25%	60 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorcycles (2025 - 2026) Loan	-	7.25%	72 Months
Details 72 months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	7.25%	108 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	7.25%	60 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	7.25%	60 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.50%	72 Months
Details Minimum: $20K Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	7.50%	120 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	7.50%	72 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.50%	36 Months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	7.50%	72 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.75%	84 Months
Details Minimum: $30K Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	7.75%	144 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	7.75%	84 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	7.75%	36 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.75%	48 Months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	7.75%	84 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. $30K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	7.75%	36 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.00%	96 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Motorhomes (2025-2026) Loan	-	8.00%	180 Months
Details APR = Annual Percentage Rate. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	8.00%	96 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	8.00%	48 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorcycles (2021-2025) Street Legal Loan	-	8.00%	60 Months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	8.00%	96 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. $30K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.00%	48 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.25%	108 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	8.25%	108 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	8.25%	60 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	8.25%	108 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. $30K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.25%	60 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.50%	120 Months
Details Minimum: $50K Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	8.50%	120 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	8.50%	72 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Motorhomes (2021-2025, max 120 month term) Loan	-	8.50%	120 Months
Details As Low As; APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. $30K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.50%	72 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. 72 Months: $20K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.75%	180 Months
Details Minimum: $50K Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
New Recreational Vehicles Loans (2025-2026) ATVs, Dirt Bikes & Jet Skis	-	8.75%	180 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	8.75%	84 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.75%	84 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. 84 Months: $30K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Boats Boats Under 31 ft and Campers (2021-2025) Loan	-	9.00%	96 Months
Details As Low As; Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	9.00%	96 Months
Details Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. 96 Months: $50K minimum. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Card	-	12.40%
Details Published APR range: 12.40%-18.00%. Regular APR: 12.40%-18.00% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Rewards Visa Card	-	13.40%
Details Published APR range: 13.40%-18.00%. Regular APR: 13.40%-18.00% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Secured Visa Card	-	13.90%
Details Regular APR: 13.90% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Signature Rewards Visa Card	-	13.90%
Details Published APR range: 13.90%-18.00%. Regular APR: 13.90%-18.00% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Rewards Visa Card	-	15.90%
Details Annual Percentage Rate. Application and Solicitation effective 9/1/2026. Rates are subject to change without notice. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Secured Visa Card	-	16.90%
Details Annual Percentage Rate. Application and Solicitation effective 9/1/2026. Rates are subject to change without notice. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Impact Visa Card	-	17.90%
Details Annual Percentage Rate. Application and Solicitation effective 9/1/2026. Rates are subject to change without notice. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Personal Loan Rates

Product	APR	Term
Business Personal Loans	10.50%	36 months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Personal Loans	10.75%	48 months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Personal Loans	11.00%	60 months
Details APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Personal Loans	11.25%	72 months
Details Term: 72 months (minimum $15,000); APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Signature Rewards Visa Card	13.90%
Details Published APR range: 13.90%-18.00%. Regular APR: 13.90%-18.00% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

RadiFi Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	14.75%
Details Condition: 2% of balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Certificates	-	-	4.20%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Coverdell ESA	0.10%	-	0.10%
Min Balance $5 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Traditional/Roth IRA	0.10%	-	0.10%
Min Balance $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

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 stayed near 3.86% in Q2 2023 to 3.50% in Q1 2026, so its financial health has stayed 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
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+
June 30, 2023	$586M	3.86%	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 127

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

3.50%

Return on Assets (ROA)

0.1237%

Return on Equity (ROE)

1.2995%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

706,457,098

Total Amount of Shares and Deposits

571,089,041

Total Shares and Deposits < 1 Year

540,369,681

Total Shares and Deposits 1 3 Years

26,736,775

Total Shares and Deposits > 3 Years

3,982,585

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

36,419,658

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

36,419,658

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

534,669,383

Total Interest Expense (Sum of items 6 8)

2,830,120

Share Certificates

3,766

Number of Accounts for Share Drafts

29,720

IRA KEOGH Accounts

1,043

Number of Accounts for Regular Shares

50,517

Non Member Deposits

10,299

Money Market Shares

3,342

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

873,783

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)

20,853,016

Total Liabilities

648,065,213

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

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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

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.

Current RadiFi Credit Union Rates

12-Month CD2.65%
18-Month CD0.50%
24-Month CD3.40%
60-Month CD3.35%
MMA3.00%

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

Compare to Other Credit Unions

RadiFi Credit Union Rates & Review September 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 Money Market Rates

RadiFi Credit Union Checking 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

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?

Current RadiFi Credit Union Rates

Compare to Other Credit Unions