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RadiFi. Your Neighborhood Credit Union.

Committed to Building Strong Relationships and Supporting Our Local Communities

About RadiFi Credit Union

Your Trusted Neighborhood Partner Since 1935

Your Local Credit Union, Dedicated to You and Your Community

Since 1935, RadiFi Credit Union has been providing personalized financial solutions with a focus on community, trust, and service.

Serving Northeast Florida Since 1935 — Your Neighborhood Credit Union

At RadiFi Credit Union, our commitment has always been to our members and the community we serve. For nearly 90 years, we’ve operated on the belief that people should always come before profits. Our mission is to empower you with the financial tools, guidance, and support to help you live your best life.

We’re more than just a place to bank — we’re a dedicated partner in your financial journey. Whether you’re seeking a loan, opening a savings account, or applying for a credit card, we’re here to help you achieve your goals and improve your financial wellness. At RadiFi, we embrace the credit union philosophy of “people helping people,” working every day to make a positive impact in your life.

Even the biggest waves start with a single ripple, and we’re here to support your growth every step of the way.

RadiFi vs. Banks

  • Type of Organization

    Type of Organization

  • Who can join

    Who can join

  • Invested in

    Invested in

  • Deposits federally insured

    Deposits federally insured

  • Governance

    Governance

  • Interactions with like financial institutions

    Interactions with like financial institutions

RadiFi

  • Type of Organization

    Not-for-profit – Fewer fees, better rates

    As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees, and greater service.

  • Who can join

    Members

    RadiFi’s membership is open to anyone we serve, including the family of eligible members.

  • Invested in

    Community Members

    We serve the needs of our membership and community by investing our non-interest income and interest from loans in local organizations working to make a difference. 

  • Deposits federally insured

    NCUA Insured ($250k)

    Your deposits are insured by the National Credit Union Administration (NCUA) and are backed by the faith and credit of the United States Government.

  • Governance

    Member Owned

    Each member can exercise their voting rights to fill seats on the Board of Directors. The directors advocate for membership.

  • Interactions with like financial institutions

    Cooperative

    Credit Unions are financial cooperatives. That means we work together toward one common goal– helping our members prosper. 

Banks

  • Type of Organization

    For-profit – More fees, worse rates

    Traditional banking institutions primarily focus on generating profits for their shareholders with no added benefits to their customers. 

  • Who can join

    Customers

    You cannot join a bank, but anyone can be a customer. 

  • Invested in

    Generating revenue

    Banks use the income they generate from fees, interest, business accounts and investments to increase their shareholders’ earnings. 

  • Deposits federally insured

    FDIC Insured ($250k)

    At a bank, your deposits are insured by the Federal Deposit Insurance Corporation and are backed by the full faith of the United States Government. 

  • Governance

    Stakeholder Owned

    Banks are governed by their shareholders. Voting rights depend on the number of shares you own leaving regular customers out of decisions. 

  • Interactions with like financial institutions

    Competitive

    Banks are competitive. They compete with one another for your business and see you only as a number. 

Makes Waves By Joining RadiFi

Become a member and part-owner of RadiFi Credit Union and experience a more vibrant way to bank. We invite anyone who lives, works, worships, or attends school in Duval, Clay, Nassau, Baker, and St. Johns County to join our credit union.

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Our Story: A Legacy of Trust and Community

RadiFi Credit Union was founded in 1935 with one simple idea: to serve the financial needs of individuals and families in Northeast Florida. What started as a small, local institution has grown into a trusted partner for thousands of members. Our dedication to putting people first and being a pillar of the community remains at the heart of everything we do.

As a not-for-profit financial cooperative, our members are the owners, and we are committed to providing financial solutions that help them live well. We are proud to offer a full range of financial products and services, from personal loans to business accounts, designed to meet the diverse needs of our members. With RadiFi, you’re not just another account holder—you’re part of a family.

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Our Values: People First, Always

At RadiFi, we believe that financial success isn’t just about numbers. It’s about people. We are driven by our commitment to creating a positive impact for our members and the communities we serve. Whether you’re purchasing your first home, saving for the future, or expanding your business, we’re here to provide guidance and support every step of the way.

We put people before profits, ensuring that every decision we make is in the best interest of our members. By working with us, you’ll experience personalized service, with a focus on financial education and community enrichment.

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Our Commitment to Northeast Florida

As a local, member-owned credit union, we understand the importance of community. RadiFi has been a proud part of Northeast Florida for almost 90 years, and we continue to invest in the people and businesses that make our region unique. From our branch locations to the local events we sponsor, we are deeply involved in the growth and prosperity of the communities we serve.

We partner with schools, nonprofits, and local organizations to foster financial literacy, promote community development, and support charitable initiatives. Our goal is to make a real difference in the lives of our members and their families—today and in the future.

Become Part of RadiFi

A Partner for Your Financial Journey

We know that financial decisions can be overwhelming. That’s why RadiFi is here to provide guidance and support that makes a meaningful difference in your financial well-being. Whether you’re managing debt, saving for a major life event, or planning for retirement, our knowledgeable staff is here to help.

Our services are designed to be flexible, affordable, and accessible, making it easier for you to reach your financial goals. From digital banking to in-person consultations, RadiFi offers the tools you need for today’s financial world while maintaining the personalized, neighborly approach that sets us apart.

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Why Choose RadiFi?

  • Local & Member-Owned: We’re not a faceless corporation; we’re your neighbors, your friends, and your partners. Every decision we make is focused on benefiting you, the member.
  • A Legacy of Trust: With nearly 90 years of service, we’ve built a reputation as a reliable, trusted financial institution in Northeast Florida.
  • People-Centered Service: Our commitment to “people helping people” drives everything we do, from our loan rates to our community involvement.
  • A Full Range of Services: From savings accounts to mortgages, we offer the financial products and services you need to live well.
  • Community Involvement: As a credit union, we reinvest in the local community, supporting initiatives that drive local growth and prosperity.
Join the RadiFi Family

Join the RadiFi Family Today

At RadiFi, we believe in building relationships that last. We’re not just here to help you with your finances—we’re here to support your dreams, goals, and aspirations. Join us today and experience the difference of banking with a community-focused credit union.

Join RadiFi Now

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

I 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.

— Bud D., Member

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Start making waves with us today.

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904-475-8000
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