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.

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.

Auto Loan Cash Back Disclosure:

Offer valid August 1, 2026, through September 30, 2026. Eligible auto loans with an original loan amount of $15,000 to $34,999.99 may receive $350 cash back. Eligible auto loans with an original loan amount of $35,000 or more may receive $500 cash back. Loans of $14,999.99 or less and the refinancing of existing RadiFi Credit Union loans are not eligible. Subject to membership eligibility, credit approval and applicable underwriting requirements. Additional terms, conditions and restrictions may apply. Offer may be changed or withdrawn at any time without notice. Not all applicants will qualify. Deferred-payment option is subject to approval. Interest will accrue during the 90-day no-payment period, which will increase the total cost of the loan and may extend the repayment term. Loans financed through the dealer (indirect loans) are not eligible for this offer. Auto loans only. Boats/RVs and any other recreational loan types are not eligible for this offer.

13-Month Certificate Special Disclosure:
APY = Annual Percentage Yield. Rates are subject to change at anytime without notice. Minimum to earn 4.00% APY for 13-month term is $50,000.00. Minimum to earn 3.75% APY for 13-month term is $2,500.00. Fees may reduce earnings. Early withdrawal penalties may apply.