Open Your Account Online in Minutes
Join RadiFi
Your Neighborhood Credit Union
Bank Better. Bank Local. Bank RadiFi.
Why RadiFi?
Your Neighborhood Credit Union
Big Bank Tech, Small Bank Heart.
Mobile banking, bill pay, contactless payments and more.
Competitive Loan Rates.
Auto, home, and personal loans with rates built for YOU.
Higher Earnings on Your Money.
High-yield savings and market-leading CD rates.
Bank Different. Bank RadiFi.
At RadiFi, you’re not just a customer—you’re an owner. We put people over profits and help you take control of your money.
Bank Where YOU Come First
As a member-owned, not-for-profit financial cooperative, we return earnings to you with lower fees, better rates, and real perks.
Your Money, Your Access
Get free access to thousands of ATMs nationwide plus easy mobile banking built for your lifestyle.
Banking With Purpose
We invest in local businesses, communities, and YOU – because banking should do more than hold your money.
Our Members Say It Best
40,000+ members. No gimmicks. No fine print. Just real people who made the switch.
— Robert S.This is banking the way it should be. The mobile app, the local touch, and the savings—RadiFi delivers! ⭐⭐⭐⭐⭐
Break free from the big banks. Join RadiFi today.
Become a Member of RadiFi Today
One of the most common misconceptions about credit unions is that membership is limited. In reality, joining RadiFi Credit Union is easier than most people think.
You may be eligible to join if you:
- Live, work, worship, or attend school in Duval, Clay, St. Johns, Nassau or Baker County, FL
- Are an immediate family member of an existing RadiFi member
- Or qualify through our partnership with the American Consumer Council
RadiFi Credit Union offers nationwide membership eligibility through its partnership with the American Consumer Council (ACC).
The ACC is a nonprofit organization focused on consumer advocacy, financial education, and economic empowerment. By becoming a member of the ACC, individuals across the country can qualify for RadiFi Credit Union membership — even if they don’t live locally.
This partnership allows more people to access:
- Lower-rate loans
- Better savings options
- Fewer fees
- Member-focused financial support
RadiFi makes the process simple by guiding eligible individuals through ACC membership as part of joining the credit union.
Let’s Make Banking Easy. How Can We Help?
Open an account, apply for a loan, or get in touch – we’re here when you need us.
Got Questions? We’ve Got Answers.
Opening your RadiFi account is quick and easy! Just have the following ready:
✔️ A government-issued ID – This can be a State Issued Driver’s License, Passport, or Military ID.
✔️ Proof of eligibility for membership – Examples include a student or staff ID, utility bill, or paycheck.
✔️ Proof of physical address (if needed) – If your ID doesn’t show your current address, you may need to provide an additional document. (Note: A PO Box is not a valid address.)
✔️ Your funding details – If you’re transferring funds from another account, have your routing and account number handy.
That’s it! Ready to bank bold? Open your account today. 🚀
Becoming a RadiFi member is easier than ever! You’re eligible to join if you:
✔ Live, work, worship, or go to school in Duval, Clay, St. Johns, Nassau, or Baker County, FL
✔ Are an immediate family member of a current RadiFi member
✔ Or join through our partnership with the American Consumer Council (ACC)—opening membership to nearly everyone nationwide! Click to Learn More.
That’s it! If you meet one of these qualifications, you can break free from big banks and start banking bold.
🎉 Ready to join? Apply now! 🚀
Absolutely! RadiFi isn’t just a financial institution—we’re a member-owned, not-for-profit credit union that puts people over profits. Unlike banks, we return earnings to YOU through lower fees, better rates, and personalized service.
✔️ No Hidden Fees. No Fine Print. – Say goodbye to unnecessary charges.
✔️ Better Rates, Bigger Savings. – Higher earnings on deposits and lower loan rates.
✔️ Local Banking, Nationwide Access. – Thousands of surcharge-free ATMs & digital banking built for you.
✔️ We Work for You, Not Wall Street. – As a credit union, our members are our owners.
🚀 Break free from big banks. Join RadiFi today!
Current Specials
Limited-time offers to help you save more and borrow smarter.
Visa Balance Transfer Promotion
2.99% APR* for 15 Months on balance transfers with a 1% fee
High-Yield Checking
Earn up to 4.00% APY* with our Make Waves High-Yield Checking Account.
Auto Loan Refinance Special
Get a 0.25%* Rate Reduction when you refinance your auto loan from another lender.
$1,000 Cash Back* on a New Home Mortgage
Earn $1,000 cash back on a qualifying new home mortgage when you build your banking relationship with RadiFi.
New Visa Credit Card Offer
1.90% intro APR* for 12 months on purchases made in the first 90 days
Credit Cards, the Credit Union Way
Our credit cards are designed for members who want flexibility, simplicity, and a smarter way to manage everyday spending. As a member-owned credit union, we believe in clear terms and straightforward rates—so you know exactly what to expect.
|
Product |
APR* starting at |
APR* up to |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are subject to change at any time without notice. For complete details, download the RadiFi Credit Union Visa® Application and Solicitation Disclosure (PDF). How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
|
||
|
Product Platinum Visa® Card |
APR* starting at 12.40% |
APR* up to 16.90% |
|
Product Rewards Visa® Card |
APR* starting at 13.40% |
APR* up to 16.90% |
|
Product Signature Rewards Visa® Card |
APR* starting at 13.90% |
APR* up to 18.00% |
|
Product Secured Visa® Card |
APR* starting at 13.90% |
APR* up to 13.90% |
Visa Balance Transfer Promotion
Personal Loans with RadiFi
RadiFi is proud to offer personal loans at affordable rates to empower our members to live vibrantly.
|
Term |
Annual Percentage Rate* |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
*APR = Annual Percentage Rate. APRs are effective as of 2/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. |
||
|
Term 36 months |
Annual Percentage Rate* 10.50% |
Estimated Payment per $1,000 Borrowed $32.50 |
|
Term 48 months |
Annual Percentage Rate* 10.75% |
Estimated Payment per $1,000 Borrowed $25.72 |
|
Term 60 months |
Annual Percentage Rate* 11.00% |
Estimated Payment per $1,000 Borrowed $21.74 |
|
Term 72 months (minimum $15,000) |
Annual Percentage Rate* 11.25% |
Estimated Payment per $1,000 Borrowed $19.16 |
Disclosures
*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.
