Home Equity Loan

Low Rates. Simple Application Process.

Introductory HELOC Rate 3.99% APR* Fixed through June 30, 2025

Then Regular Variable APR as low as 7.75% APR*

Level Up Your Banking Experience

It’s time to dream big and reimagine what’s possible with RadiFi.

Grand Opening Make Waves, Win Big

Our New Glen Kernan Parkway Branch is Open!

Make Waves, Win Big! Grand Opening Giveaway. Enter to win a Yeti Tundra Haul Cooler + $500 Cash.

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Give Your Business an Edge

Merchant Lending Program Provides Enhanced Shopping Experiences for Your Customers.

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Home Mortgage Loans

Home Mortgages: Save up to $5,000 in Closing Costs

Quick & easy online application process. Fast approvals!

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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.

vibrant living

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.

dream big with great rates

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.

member empowerment

Join RadiFi to reimagine how you bank.

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Our Members Empower Us

We’re dedicated to empowering you, which fuels everything we do.

I 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.

— Bud D., Member

Make Waves by Joining RadiFi

Join your local credit union to reimagine how you bank.

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WE’RE HERE TO HELP YOU THRIVE FINANCIALLY

Explore our blog for the latest credit union news, practical advice, and financial tips.

Grand Opening: RadiFi’s Glen Kernan Parkway Branch

We’re thrilled to announce the opening of our 8th branch, located in the vibrant Glen Kernan Parkway area. This branch represents a major milestone as the first built under the RadiFi Credit Union brand, combining innovative technology with our signature personal touch. Our new branch offers a modern, welcoming design and features an advanced Interactive…

Local Neighborhood Credit Union

RadiFi: Your Neighborhood Credit Union Since 1935: Nearly 90 Years of Trust and Community Partnership in Northeast Florida

Since 1935, RadiFi has been a cornerstone of trust and reliability as the go-to local neighborhood credit union in Northeast Florida. As we mark nearly nine decades of serving our community, we express our sincere gratitude to you for choosing RadiFi as your steadfast financial partner. Our commitment to personalized, member-focused services and deep community…

Our First Home

The Fundamentals of Home Financing

Embark on your homeownership journey fully equipped with the essential knowledge of home financing. From navigating mortgage basics to optimizing credit scores, our comprehensive guide empowers you to make informed decisions. Explore insights on down payments, loan pre-approval, and the various types of mortgages. Learn how to manage closing costs, consider refinancing opportunities, and ensure your monthly payments align with your financial goals. Safeguard your investment with homeowners insurance and discover the keys to a successful and fulfilling homeownership experience. Read More

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Start achieving your dreams with RadiFi.

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904-475-8000

*Disclosures

HELOC Disclosure:

80% LTV, 20 Years: 8-year draw, 12-year repayment. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $152.

This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of November 15, 2024, for loan applications submitted by January 31, 2025, and loan must be closed and funded by March 30, 2025 to receive introductory APR. A variable rate APR will apply based upon credit score and loan-to-value after June 30, 2025. The variable rate is subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year.

Tidal Wave Money Market Account Disclosure:
APY = Annual Percentage Yield. Rates are current as 12/01/2024, and subject to change at any time without notice. Our RadiFi Tidal Wave Money Market Account requires a minimum deposit of $2,500 of new money only to open the account. All deposits made to the Tidal Wave Money Market Account must be new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union.

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