Rates as low as 4.75% APR* + 0.25% Rate Discount* + 90 Days No Payments
Auto Loan Refinance Special
Limited-Time Offer
Check Out Our Special Offers
As your neighborhood credit union, we are dedicated to empowering our members with the financial products and services they need to live their lives vibrantly.
Why RadiFi?
Your Neighborhood Credit Union
Digital Convenience
Modern online and mobile banking tools to manage your finances anywhere.
Feel the Rush of Awesome Rates
BROWSE OUR PRODUCTS & SERVICES
Less Eyeroll. More Bankroll.
When you join RadiFi Credit Union, we pull out all the stops.
Make time for vibrant living.
With easy digital banking, you can take back the time you spend at the bank to actually grab a bite on your lunch break or take a stroll outside. At RadiFi, you can handle your business and live a vibrant life.
Dream big with the reality of great rates.
Thinking about buying that brand new home or financing that stylish new car? Do it right here, right now. If it’s your dream, we’ll help you make it easy and affordable to achieve.
Build a relationship with a team that empowers you.
We’re more than just a credit union. We’re a partner that you can count on for life. We wink at challenges and get the job done every time.
Join RadiFi to reimagine how you bank.
Join RadiFi in MinutesOur Members Empower Us
We’re dedicated to empowering you, which fuels everything we do.
— Bud D., MemberI have used this credit union for over 60 years for my financial activities and holdings and I have been a member of Jax Federal (now RadiFi) with almost unlimited access to the branch manager’s office and have always been treated like a member of the family.
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Proud to Serve the Jacksonville Community
RadiFi proudly partners with organizations that strengthen the communities we serve across Northeast Florida. Through partnerships with the Jacksonville Waves, Jacksonville University Athletics and local community initiatives, we are committed to making a positive impact where our members live and work
A Credit Union Making Waves
RadiFi Credit Union continues to earn recognition for strong growth, trusted service, and community impact. These honors reflect the commitment of our associates and the trust our members place in us every day.
*Disclosures
Auto Loan Refinance Disclosure:
*APR = Annual Percentage Rate. APRs are effective as of 01/06/2026 and are subject to change without notice. Your APR may be higher than the lowest advertised rate. Rates are based on creditworthiness, loan term, loan-to-value (LTV), and other underwriting factors. Certain restrictions apply, and not all applicants will qualify.
This offer is available for qualifying auto loan refinances from another lender only. Refinances of existing RadiFi Credit Union auto loans do not qualify. To receive the 0.25% rate reduction, the minimum loan amount is $10,000, the loan application must be submitted as an auto loan refinance, and eligible vehicles must be model years 2019–2026. Loans approved using the Lender’s Protection program do not qualify.
Used vehicles must be 2019 or newer. Vehicle mileage may affect the maximum loan term. Interest will continue to accrue during the up to 90-day no payment period.
Visa Credit Card Disclosure:
Visa Introductory Rate Offer: APR = Annual Percentage Rate.1.90% Intro APR for 12 months on purchases made within your first 90 days of opening the credit card account. After the 12-month promotional period ends, your APR will revert to the standard variable rate, currently 13.15%–16.90%, based on your creditworthiness. Offer subject to change at any time without notice. Restrictions apply. Contact the credit union for complete details at 904-475-8000.
Share Certificate Special Disclosure
*APY = Annual Percentage Yield. APY listed is current as of 02/27/26. Rates are subject to change at anytime without notice. Minimum to earn 3.75% APY for 13-month term is $2,500.00. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
Cash Back Home Mortgage Offer Disclosure
*$1,000 cash back offer valid on new first home mortgage loans opened during the qualifying promotional period with a minimum loan amount of $150,000. To qualify, borrower must enroll in Make Waves Checking, establish direct deposit totaling at least $1,000 per month within 60 days of loan closing, and enroll in automatic mortgage payments. Cash back will be paid after 90 days once all qualifying conditions have been met and verified. HELOCs and Home Equity Loans do not qualify. Offer subject to change or termination at any time and may not be combined with other offers. Other terms and conditions may app