Refinance Your Auto Loan

Auto Loan Refinance Disclosure:

APR = Annual Percentage Rate. APRs are effective as of 06/01/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your credit worthiness, term of loan, loan-to-value, and other criteria. Certain restrictions may apply. Not all members will qualify for this offer. Used vehicles must be 2018 or newer. Refinances of existing RadiFi Credit Union loans do not qualify for this offer. Mileage could affect the maximum term allowed. A sample auto loan payment based on $20,000 financed for 48 months at 4.99% APR is approximately $460.50. Interest will continue to accrue during the 90-day no payment period.

Make Waves Checking Account Disclosure:

APY = Annual Percentage Yield. The Make Waves Checking account is a tiered rate account. You may qualify for a higher dividend rate and annual percentage yield if you meet the minimum qualification requirements during the monthly qualification cycle. To meet the minimum qualification requirements, you must: a) enroll in and receive free e-statements; b) complete 15 or more credit card or debit card transactions that post and settle to your account; and c) have direct deposits of at least $1,000.00. The monthly qualification cycle is defined as a period beginning on the first day of the calendar month and ending on the last day of the calendar month. Qualifying credit card transactions include those transactions reflected on your Visa Credit Card statement for the period which closes during the monthly qualification cycle. Assume, for example, that your credit card statement period closes on the 10th of the month. For the monthly qualification cycle beginning July 1st and ending July 31st, those credit card transactions that post and settle during the credit card statement period ending July 10th will be included as qualifying transactions. Debit Card transactions may take one or more business days from the date the transaction was made to post and settle to your account. The debit card transactions must post and settle during the monthly qualification cycle in order to qualify for the higher dividend rate and annual percentage yield. If you meet the minimum qualifications requirements during the qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and annual percentage yield listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to the entire balance in the account.

13-Month Certificate Special Disclosure

APY = Annual Percentage Yield. APYs are subject to change at any time without notice. Fees may reduce earnings. The minimum balance to open and earn 4.00% APY at a 13-month term is $2,500. Other rates and terms are available.

Home Loans Disclosure

Our No Closing Cost Mortgage covers up to $5,000. Not all closing costs can be rolled into your loan. Loans for primary residences or second homes in Florida and Georgia only. The amount of the total costs paid may be limited by the loan amount and certain underwriting factors.