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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.
Current Specials
Limited-time offers to help you save more and borrow smarter.
High-Yield Checking
Earn up to 4.00% APY* with our Make Waves High-Yield Checking Account.
Auto Loan Refinance Special
Limited Time Offer – 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
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.
Proud to Serve the Jacksonville Community
RadiFi proudly partners with organizations that strengthen the communities we serve across Northeast Florida. Through partnerships with the Jacksonville Waves, Jacksonville University Athletics and local community initiatives, we are committed to making a positive impact where our members live and work
RadiFi Visa Credit Cards
RadiFi is proud to offer Visa Credit Cards ready for your Digital Wallet.
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Product |
APR* starting at |
APR* up to |
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*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).”
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Product Platinum Visa® Card |
APR* starting at 12.40% |
APR* up to 18.00% |
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Product Rewards Visa® Card |
APR* starting at 13.40% |
APR* up to 18.00% |
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Product Signature Rewards Visa® Card |
APR* starting at 13.90% |
APR* up to 18.00% |
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Product Secured Visa® Card |
APR* starting at 13.90% |
APR* up to 13.90% |
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.
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.
A Credit Union Making Waves
RadiFi Credit Union continues to earn recognition for strong growth, trusted service, and community impact. These honors reflect the commitment of our associates and the trust our members place in us every day.
