Refinance Your Auto Loan
Rates as low as 4.99% APR*
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.
Earn 4.00% APY* With Make Waves Checking
Ready to earn more with Make Waves Checking? High-Yield. No Monthly Maintenance Fees. Big Benefits.
13-Month Share Certificate Special
Earn more with RadiFi: 4.00% APY* with a minimum $2,500 balance
Home Sweet Home: Save up to $5,000 in Closing Costs*
Your Dream Home is within reach with a Home Mortgage loan from RadiFi. Fast Approvals!
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.
Business Banking in Jacksonville – RadiFi is Here to Help Your Business Succeed
Why Choose RadiFi for Business Banking in Jacksonville? Business Checking Accounts That Move with You Your business is unique—and your checking account should be too. Our business checking in Jacksonville keeps things simple so you can focus on running your business. No monthly maintenance fees Only $50 to open an account Free Visa® Business Debit…
Protect Credit Unions | RadiFi Joins the Don’t Tax My CU Campaign
RadiFi proudly supports the Don’t Tax My Credit Union movement. Discover how we’re advocating for financial fairness and empowering our members every day. Read More
RadiFi Credit Union Membership Nationwide
RadiFi Credit Union has always been about doing things differently — bold banking that puts people first, not profits. And now, we’re excited to announce a partnership that makes it even easier for more people to join the RadiFi movement. We’ve teamed up with the American Consumer Council (ACC) — a nonprofit that champions financial…
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Start achieving your dreams with RadiFi.
*Disclosures
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.