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: 2.70%, 24-Month CD: 3.40%, 60-Month CD: 3.35%, Savings: 0.10%, MMA: 4.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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RadiFi Credit Union

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RadiFi Credit Union Rates & Review October 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

RadiFi Credit Union's top rates as of October 7, 2026 are 4.10% APY on its 11-Month Flex Access CD Special (New Money Only) - Limited Time Offer, 0.10% APY on savings, 4.00% APY on money market accounts, 4.00% APY on checking, personal loans from 10.50% APR, and credit cards from 12.65% APR, according to rates verified by MonitorBankRates. Other RadiFi Credit Union CD rates include 12-Month Term CD at 4.05%, 12-Month Term CD at 4.00%, and 13-Month CD Special at 4.00%. MonitorBankRates evaluates the financial stability of RadiFi Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.41%. Rates last updated and verified on 10/07/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.41%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

RadiFi Credit Union
Main Branch - Park Street

562 Park St
Jacksonville, FL 32204-2918

https://www.radificu.org

Customer Reviews

4.5 ★ 2 reviews

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

RadiFi Credit Union CD Rates

Product	Rate	APY	Term
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $500 Details New Money Only; Limited Time Offer; 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. Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $2,500 Details New Money Only; Limited Time Offer; 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. Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $25,000 Details New Money Only; Limited Time Offer; 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. Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $50,000 Details New Money Only; Limited Time Offer; 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. Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $100,000 Details New Money Only; Limited Time Offer; 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. Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $250,000 Details New Money Only; Limited Time Offer; 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. Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $500,000 Details New Money Only; Limited Time Offer; 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. Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $750,000 Details New Money Only; Limited Time Offer; 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. Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only) - Limited Time Offer	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $1,000,000 Details New Money Only; Limited Time Offer; 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. Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.977%	4.05%	12 Month
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.928%	4.00%	12 Month
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 Month
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.928%	4.00%	17 months
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 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.88%	3.95%	12 Month
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.88%	3.95%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.88%	3.95%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.832%	3.90%	12 Month
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.832%	3.90%	13 Month
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.832%	3.90%	13 Month
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.832%	3.90%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.832%	3.90%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.832%	3.90%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.784%	3.85%	12 Month
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.784%	3.85%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special (New Money Only)	3.784%	3.85%	17 months
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 10/07/2026 Rate History No change since Sep 27, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.735%	3.80%	24 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Deposit $500 Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.687%	3.75%	48 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.639%	3.70%	6 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.59%	3.65%	6 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.542%	3.60%	6 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.494%	3.55%	24 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.494%	3.55%	48 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.494%	3.55%	6 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.494%	3.55%	60 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.445%	3.50%	48 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.445%	3.50%	6 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.445%	3.50%	60 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.397%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.348%	3.40%	36 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.348%	3.40%	6 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.203%	3.25%	3 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.105%	3.15%	3 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Deposit $500 Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.862%	2.90%	18 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.813%	2.85%	12 Month
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.765%	2.80%	18 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.716%	2.75%	12 Month
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.716%	2.75%	18 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.667%	2.70%	12 Month
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.667%	2.70%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.618%	2.65%	12 Month
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)	0.995%	1.00%	36 months
Min Balance $7,500 Details Balance: $7,500.01 and up Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)	0.896%	0.90%	36 months
Min Balance $5,001 Details Balance: $5,001-$7,500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)	0.847%	0.85%	36 months
Min Balance $2,501 Details Balance: $2,501-$5,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)	0.747%	0.75%	36 months
Min Balance $0 Details Balance: $0.01 to $2,500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	0.099%	0.10%
Min Balance $100 Details Balance: $100 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Savings	0.099%	0.10%
Min Balance $100 Details Balance: $100 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
You-Name-It (Secondary) Savings	0.099%	0.10%
Min Balance $100 Details Balance: $100 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	-	4.00%
Details Ride the Wave to Savings - Earn up to 4.00% APY* Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.193%	1.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.094%	1.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.045%	1.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.847%	0.85%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100-$2,499 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	-	4.00%
Details Make Waves High-Yield Checking - No Minimum Balance Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
First Lien Home Equity Loan - Refinance - No Cash Out	6.00%	-	6.00%	10 years
Details 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. Consult a tax advisor regarding deductibility of interest. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
First Lien Home Equity Loan - Cash Out	-	-	7.00%	10 years
Details 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. Consult a tax advisor regarding deductibility of interest. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto, Van, Pickup, SUV	-	-	4.75%	0-48 Months
Details As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV	-	-	5.49%	49-66 Months
Details As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV	-	-	5.79%	67-78 Months
Details As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV	-	-	6.59%	79-84 Months
Details As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles) - 0-48 Months	-	-	9.25%	0-48 months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Oct 7, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles) - 49-60 Months	-	-	9.50%	49-60 months
Details Payment examples are based on the highest term in each tier. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Oct 7, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	9.75%	0-48 Months
Details Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 9.75% → 9.75% ▼ 0.00 pts · high 9.75% / low 9.25% Oct 2, 20269.75%▲ from 9.25% Sep 18, 20269.25%▼ from 9.75% Sep 15, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	10.00%	49-60 Months
Details Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.; 60-72 Months: $20K minimum. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 10.00% → 10.00% ▼ 0.00 pts · high 10.00% / low 9.50% Oct 2, 202610.00%▲ from 9.50% Sep 18, 20269.50%▼ from 10.00% Sep 15, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto (2016-2018, less than 100,000 miles)	-	-	10.25%	61-72 Months
Details Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.; 60-72 Months: $20K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorhomes (2025-2026) Loan	-	6.25%	60 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	6.50%	72 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	6.75%	48 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	6.75%	84 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.00%	48 Months
Details APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	7.00%	60 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.00%	96 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.25%	60 Months
Details APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	7.25%	72 Months
Details 72 months: $20K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.25%	108 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 60 Months Loan	-	7.25%	60 Months
Details As Low As; $30K minimum for 84-120 Months. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.50%	72 Months
Details 72 Months: $20K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.50%	120 Months
Details As Low As; 84-120 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal - 36 Months Loan	-	7.50%	36 Months
Details As Low As; APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 72 Months Loan	-	7.50%	72 Months
Details As Low As; $30K minimum for 84-120 Months. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.75%	84 Months
Details 84-108 Months: $30K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	7.75%	144 Months
Details As Low As; 144-180 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	7.75%	36 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal - 48 Months Loan	-	7.75%	48 Months
Details As Low As; APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 84 Months Loan	-	7.75%	84 Months
Details As Low As; $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	7.75%	36 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.00%	96 Months
Details 84-108 Months: $30K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorhomes (2025-2026) Loan	-	8.00%	180 Months
Details As Low As; 144-180 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	8.00%	48 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal - 60 Months Loan	-	8.00%	60 Months
Details As Low As; APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 96 Months Loan	-	8.00%	96 Months
Details As Low As; $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	8.00%	48 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.25%	108 Months
Details 84-108 Months: $30K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	8.25%	60 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 108 Months Loan	-	8.25%	108 Months
Details As Low As; $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	8.25%	60 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.50%	120 Months
Details 120-180 Months: $50K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	8.50%	72 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes (2021-2025, max 120 month term) - 120 Months Loan	-	8.50%	120 Months
Details As Low As; $30K minimum. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	8.50%	72 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers.; 72 Months: $20K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.75%	180 Months
Details 120-180 Months: $50K minimum. APRs are effective as of 10/1/2026 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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans2 (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 10/07/2026 Rate History No change since Oct 7, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	8.75%	84 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	8.75%	84 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers.; 84 Months: $30K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Boats Under 31 ft and Campers Loan	-	9.00%	96 Months
Details 72 Months: $20K minimum.; 84 Months: $30K minimum.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans ATVs, Dirt Bikes & Jet Skis	-	9.00%	96 Months
Details As low as; Includes titled four-wheelers/All Terrain Vehicles (ATVs), dirt bikes, jet skis, and towable campers.; 96 Months: $50K minimum. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Card	-	12.65%
Details APR up to: 18.00% Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 2, 202612.65%▲ from 12.40% Sep 15, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Rewards Visa Card	-	13.65%
Details APR up to: 18.00% Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40% Oct 2, 202613.65%▲ from 13.40% Sep 15, 202613.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Secured Visa Card	-	13.90%
Details APR up to: 13.90% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 13.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	-	14.15%
Details APR up to: 18.00% Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Rewards Visa Card	-	15.90%
Details Fixed APR* Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Secured Visa Card	-	16.90%
Details Fixed APR* Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Impact Visa Card	-	17.90%
Details Fixed APR* Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Personal Loan Rates

Product	APR	Term
Business Personal Loans	10.50%	36 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Personal Loans	10.75%	48 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 10.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Personal Loans	11.00%	60 months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Personal Loans	11.25%	72 months
Details minimum $15,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	14.15%
Details APR up to: 18.00% Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	14.75%
Details Condition: 2% of balance. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 14.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Coverdell ESA	0.099%	-	0.10%
Min Balance $5 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Short Term Certificates	0.499%	-	0.50%
Min Balance $0 Details Balance: $0.01-$500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Short Term Certificates	0.598%	-	0.60%
Min Balance $501 Details Balance: $501-$1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Short Term Certificates	0.747%	-	0.75%
Min Balance $1,000 Details Balance: $1,000.01-$1,500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Goal Short Term Certificates	0.747%	-	0.75%
Min Balance $1,500 Details Balance: $1,500.01 and up Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Traditional/Roth IRA	0.099%	-	0.10%
Min Balance $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

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

Financial Health History

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

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

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

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

Methodology & Data Sources

MonitorBankRates Star Rating

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

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name RadiFi Credit Union

Website https://www.radificu.org

Address 562 Park St, Jacksonville, FL 32204-2918

Phone 904-475-8000

Fax 904-359-8328

President Rodomir Desir

CEO John Servos

Full-Time Employees 126

Part-Time Employees 4

Branch Locations 8

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.41%

Return on Assets (ROA)

0.3007%

Return on Equity (ROE)

3.1388%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

715,152,490

Total Amount of Shares and Deposits

558,409,943

Total Shares and Deposits < 1 Year

539,999,076

Total Shares and Deposits 1 3 Years

14,623,280

Total Shares and Deposits > 3 Years

3,787,587

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

32,019,311

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

32,019,311

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

526,390,632

Total Interest Expense (Sum of items 6 8)

5,563,053

Share Certificates

3,668

Number of Accounts for Share Drafts

29,779

IRA KEOGH Accounts

1,034

Number of Accounts for Regular Shares

50,399

Non Member Deposits

7,392

Money Market Shares

3,311

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

2,150,547

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

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,435,937

Total Liabilities

655,745,139

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

RadiFi Credit Union earned the Verified Healthy badge

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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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Average Rating

★★★★☆

Total Reviews

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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 CD2.70%
24-Month CD3.40%
60-Month CD3.35%
Savings0.10%
MMA4.00%

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

Compare to Other Credit Unions

RadiFi Credit Union Rates & Review October 2026

Brian McKay

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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