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
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.
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.
