$2,500 Minimum to Open
13-Month Certificate Special
Earn 4.00% APY*
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.
Auto Loan Refinance Special
Get a 0.25%* Rate Reduction when you refinance your auto loan from another lender.
Visa Balance Transfer Promotion
2.99% APR* for 15 Months on balance transfers with a 1% fee
Ready to Dive In?
Our promise is to guide, help, and roll up our sleeves, so you can make your hopes and dreams a reality.
Open an Account
Find an account that fits your needs.
From everyday spending to saving for your future, we offer a variety of accounts to meet your goals.
Apply for a Loan
Take advantage of fast financing.
Our online loan application process is simple, quick and easy. Start achieving your dreams today.
Enroll in Digital Banking
Easy. Fast. Secure.
Stay in control of your finances at home or on the go from your computer, tablet, or mobile device.
Find a Branch or ATM
Meet us wherever you are.
Members have access to over 5,000 shared branches, and nearly 30,000 surcharge-free ATMs.
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 RadiFiOur 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.
Make Waves by Joining RadiFi
Join your local credit union to reimagine how you bank.
WE’RE HERE TO HELP YOU THRIVE FINANCIALLY
Explore our blog for the latest credit union news, practical advice, and financial tips.
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Credit Card Balance Transfer | 2.99% APR* for 15 Months | RadiFi Credit Union
High-interest credit card debt can quietly drain your finances and your peace of mind. Even when you’re making payments on time, rising interest charges can make it feel like you’re barely moving forward. That’s where RadiFi Credit Union’s Visa Balance Transfer offer – 2.99% APR* for 15 months with a 1% transfer fee can…
Making Waves in Jacksonville: RadiFi and JU Athletics Team Up
RadiFi Credit Union is proud to partner with Jacksonville University Athletics to support student-athletes, small businesses, and community engagement across Jacksonville. Read More
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Start achieving your dreams with RadiFi.
*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.
Visa Balance Transfer Offer: APR = Annual Percentage Rate. This offer is non-transferable. Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. To the extent your payments exceed the minimum payment due each billing period, we will apply them to the balances with higher rates prior to the balances with lower rates. Balance transfers are treated as, and considered as, cash advances on your credit card and will begin to accrue finance charges from the date it is posted to your account. New purchases and cash advances (other than this balance transfer offer) will carry your card’s standard rate. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. RadiFi will not be responsible for any finance charges or late fees incurred due to your nonpayment. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly. Each balance transfer will be treated as a cash advance as described in your Credit Card Agreement. Finance charges will begin to accrue from the date the balance transfer is posted to your account and is subject to credit availability. If you have not activated your credit card, please call 800-527-7728 to activate prior to requesting the balance transfer. The balance transfer must be a minimum of $50 for each transaction to qualify. There is a 1% balance transfer fee per request with a minimum fee of $10.00 and maximum fee of $75.00. Not all members qualify for this offer. Restrictions apply. Contact the credit union for complete details.
Share Certificate Special Disclosure
*APY = Annual Percentage Yield. APY listed is current as of 01/01/26. Rates are subject to change at anytime without notice. Minimum to earn 4.00% 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