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About RadiFi

About RadiFi

Empowering you to live a vibrant life since 1935.

Welcome to RadiFi, formerly known as JAXFCU

We’re still the same credit union that’s been known and trusted by the community for over 80 years — just with a new name and a few rad changes, including our mission: To empower our members to live vibrantly through our care and guidance.

What We Do

Serving Northeast Florida since 1935, our commitment has been and always will be — our members and our community. We believe in people over profits, and our mission of empowering our members to live vibrantly through our care and guidance sets us apart.

At RadiFi, we’re more than just a place you bank, we’re your neighborhood credit union dedicated to the credit union promise of people helping people. Whether it’s through a loan, a credit card, or a savings account, we strive to improve member lives and financial wellness every day and in every way we can. Because even the biggest waves start small.

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


  • Interactions with like financial institutions

    Interactions with like financial institutions


  • 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


    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


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


  • 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


    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


    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. John’s County to join our credit union.

Open an Account


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

Name Change FAQs

Our current name has often been a cause of confusion over membership eligibility, and subsequently, became an obstacle for some to join our credit union. Our new name, RadiFi, is more inclusive and will assist with growth opportunities while reflecting who we are and our unique culture.

No. The name change is not the result of a merger or acquisition of any kind. It simply reflects who we are as a credit union. We will continue to be owned by you, our members, just as we are today.

There will be no impact on your existing relationship with us – or changes to your day-to-day banking. You will see changes to our exterior signage, brochures, stationary, website and branches in the weeks following our name change announcement. Our website address jaxfcu.org will also transition to radificu.org.

Yes. The credit union will remain 100% owned by you, our members.

No. Our team will remain intact. The employees you’ve grown accustomed to serving you will be ready to provide the personalized service you expect.

Our current credit union charter and field of membership remains the same. It encompasses anyone who lives, works, worships or attends school in Duval, Clay, Nassau, Baker and St. Johns Counties.

No. Your account numbers, usernames and passwords will remain the same.

No. Our routing number, 263079234, will not change and your account number(s) will remain the same. You will not need to take any steps to update automatic payments or direct deposit.

Yes. Your debit and credit cards will continue to work as they always have. Your credit card number will not change, and your debit card and Personal Identification Number (PIN) will continue to function as always, with no changes.

When we issue new cards in the future, they will reflect our new name. However, there will not be a ‘mass reissue’ of cards; they will be replaced when existing cards expire and updated on their regular schedule.

Yes. You can continue using your existing checks. When you reorder your checks, you’ll see the credit union’s new name and logo on your checks.

Loan payments (or any checks payable to the credit union) can be made payable to RadiFi Credit Union effective March 29, 2023. Checks payable to Jax Federal Credit Union will continue to be accepted throughout 2023.

In most cases, your documents will be unaffected by the name change. Please call us at 904-475-8000 if you have specific questions about your documents.

Rates and fees will not be affected by the name change. We will continue to monitor our rates and fees as we always have to ensure high value and return to our members. Rates and fees do fluctuate as they adjust in response to market conditions.

Yes. Our federal charter will remain unchanged, and we will remain a federal credit union even though “Federal” is not included in our new name.

The word Federal has been confusing to many, leading some to believe we serve only people employed by the federal government. Removing Federal from our name also shortens our name, making it easier to use in brand signage, communications and more.

Yes. Deposit accounts for each share owner remain federally insured for up to $250,000 by the National Credit Union Share Insurance Fund.

Yes. You may continue transacting business at shared branching facilities throughout the United States and Canada. To search for a shared branch near you, visit co-opcreditunions.org.

All phone numbers will remain the same. Our website address will transition to radificu.org. Our email addresses will also transition from @jaxfcu.org to @radificu.org.

No. Our branches will remain open and available to you on the same days and times you expect.

There will be no changes to your statement cycle. Keep a watch in your mail for our new statement stationery with our new name.

We consider the costs associated with changing our name to be a smart investment in the future of our credit union. The name will help us serve more families in our communities and fulfill our mission empowering more people through our care and guidance.

Continue to visit our website for up-to-date information. You can also stop by your local branch or call 904-475-8000.

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