Home Equity Line of Credit Special

Home Equity Line of Credit Special Disclosure:
APR = Annual Percentage Rate. Promotional Home Equity Line of Credit introductory rate is available for new HELOC applications submitted from July 1, 2026, through September 15, 2026. Introductory APR applies for the first 6 months from the funding date and is not based on the index and margin used for future rate adjustments. The maximum introductory APR is 3.99%. Offer applies to new loans only and does not apply to mortgage loans already financed by RadiFi Credit Union.

After the introductory period, the APR will adjust to a variable rate based on The Wall Street Journal Prime Rate, plus or minus a margin. As of July 1, 2026, The Wall Street Journal Prime Rate is 6.75%. Variable rate is subject to change annually. The maximum APR is 15.00%, the minimum APR is 3.25%, and the maximum annual rate increase is 3.00%. The actual rate will be the greater of the current index rate plus the margin or the minimum rate floor. Displayed rate is for borrowers with excellent credit. Other rates and terms may apply.

Home Equity Line of Credit terms are based on 80% loan-to-value, with a 20-year term consisting of an 8-year draw period and a 12-year repayment period. Payments are amortized based on the remaining term of the loan and are recalculated after each advance and/or annual change to the index rate. For example, during the introductory period, the monthly payment on a $25,000 loan would be $152. After the introductory period, the monthly payment on a $25,000 loan would be $191, based on the current variable rate.

RadiFi Credit Union will pay closing costs up to $750 for qualified borrowers. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years. Closing cost credit applies only to standard, actual closing costs and is subject to change or withdrawal at any time without prior notice. Closing costs and a $400 origination fee may apply. Fees to open the line of credit may range from approximately $800 to $2,500 or more depending on loan amount and property location. A $5,000 minimum initial advance is required at closing.

Minimum loan amount is $5,000. Maximum loan amount is $250,000. Offer available for owner-occupied primary residences located in Florida or Georgia only. Property insurance is required, including flood insurance if applicable. Credit qualifications apply and membership is required. Consult a tax advisor regarding deductibility of interest. Rates, terms, and conditions are subject to change without prior notice. Additional restrictions may apply.

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.

Auto Loan Refinance Offer
APR = Annual Percentage Rate. APRs 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. 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. 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.

Sample payment: $20,000 financed for 48 months at 4.75% APR equals approximately $458.32 per month. Other terms and conditions apply.