Low Rates. Simple Application Process.

HELOC Disclosure:

80% LTV, 20 Years: 8-year draw, 12-year repayment. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $152.

This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of December 30, 2024, for loan applications submitted by January 31, 2025, and loan must be closed and funded by March 30, 2025 to receive introductory APR. A variable rate APR will apply based upon credit score and loan-to-value after June 30, 2025. The variable rate is subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year.

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.

Visa Balance Transfer Promotion Disclosure

*APR = Annual Percentage Rate. This offer is non-transferable. Special rates are valid only for balance transfers from other credit cards 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 you 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. Not all members qualify for this offer. Restrictions apply. Contact the credit union for complete details.