11-Month Flex Access Certificate
Earn 4.10% APY*
A CD that Bends the Rules. Add Funds. Make a Withdrawal.
Feel the Rush of Awesome Deposit Rates
Spend It. Save It. Grow It.
Why RadiFi?
Your Neighborhood Credit Union
Digital Convenience
Modern online and mobile banking tools to manage your finances anywhere.
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.
Open a Teen Checking Account & Earn $50
Build smart money habits early. Offer Ends September 30.
Open a New Youth Account & Get $50
Give your child a strong start to savings. Offer Ends September 30.
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.
WE’RE HERE TO HELP YOU THRIVE FINANCIALLY
Explore our blog for the latest credit union news, practical advice, and financial tips.
Where Should I Put My Money? Smart Savings Options
Have extra cash sitting in checking or savings? Learn how to decide where to keep your money based on access, timing, earning potential and your financial goals. Read More
Finding Stability in a Volatile Market: 3 Ways to Put Your Cash to Work
When markets are volatile, the cash portion of your finances can provide valuable stability. Learn how CDs, money market accounts and high-yield checking can help you earn more while balancing access, predictability and flexibility. Read More
What Is a Flex CD? A Smarter Way to Grow Your Savings Without Giving Up Flexibility
Want the earning potential of a CD without giving up all your flexibility? Learn how RadiFi’s 11-Month Flex Access CD combines a competitive 4.10% APY with options to add funds and access a portion of your savings. Read More
Make Waves by Joining RadiFi
Join your local credit union to reimagine how you bank.
RadiFi Reviews are In:
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
11-Month Flex Access Certificate Special Disclosure:
APY = Annual Percentage Yield. The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account’s term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union’s account disclosures for complete details.
New Youth Account Disclosure:
Offer valid August 1 through September 30, 2026, for eligible individuals age 12 or younger as of the account-opening date who open a new qualifying RadiFi Credit Union youth account. Membership eligibility and account-opening requirements apply. A parent, legal guardian or other adult authorized under RadiFi’s account-opening requirements must establish the account jointly with the youth.
To qualify, the youth must not have been a RadiFi member or an owner on any RadiFi account during the 12 months immediately preceding the new account-opening date. The qualifying youth account must remain open and in good standing for 90 consecutive days after opening. Accounts that are closed or have a negative balance before the end of the 90-day qualification period will not qualify.
$50.00 will be deposited into the qualifying youth account within 30 days after the 90-day qualification period, provided all promotional requirements have been met. Limit one $50 promotional deposit per eligible youth member, as identified by Social Security number.
A total of $10 is required at account opening, consisting of a $5 membership fee and a $5 minimum opening deposit. The promotional deposit may be reported to the IRS as interest income. The recipient is responsible for any applicable taxes. RadiFi reserves the right to modify or discontinue this offer at any time. Other restrictions may apply.
New Teen Checking Account Disclosure:
Offer valid from 8/1/2026 through 9/30/2026 for teens ages 13–17 who open a new RadiFi Credit Union Teen Checking account. Offer is available to new teen members and existing RadiFi members who do not currently have, and have not had, a RadiFi checking account within the 12 months preceding the new account opening date. Membership eligibility and account-opening requirements apply. A parent, legal guardian or other authorized adult may be required to establish the account.
To qualify, the teen must enroll in RadiFi Digital Banking and eStatements, complete at least five posted debit card purchase transactions within the first 60 days after account opening, and maintain the qualifying Teen Checking account in an open, active and good-standing status for at least 90 consecutive days. The $50 deposit will be credited to the qualifying Teen Checking account after all requirements have been met and the 90-day qualification period has been completed.
Limit one $50 deposit per eligible teen member, as identified by Social Security number. Bonuses may be subject to tax reporting. Offer is subject to change or withdrawal without notice. A $5 membership fee and $5 minimum deposit are required to establish RadiFi Credit Union membership.