Finding Stability in a Volatile Market: 3 Ways to Put Your Cash to Work
Market ups and downs are a normal part of investing. But when uncertainty increases, you may find yourself looking differently at the portion of your money you want to keep more stable, accessible or earmarked for the near future.
For retirees, fixed-income households, short-term savers and anyone focused on preserving their savings, deposit accounts can provide another option for putting cash to work without exposing those funds to daily stock market fluctuations.
Certificates, money market accounts and high-yield checking each offer different advantages. The key is understanding how each one works — and which may make sense for different portions of your savings.
Share Certificates (CDs):
Lock In a Competitive Return
Looking for more predictability? A certificate can take market fluctuations out of the equation.
Unlike investments tied to the stock market, a certificate provides a stated dividend rate for a set term. That can make certificates particularly useful for money you know you will not need immediately and want to grow at a predictable rate.
RadiFi’s limited-time 11-Month Flex Access CD Special combines that predictability with more flexibility than you might expect from a traditional certificate.
You can:
- Earn 4.10% APY*
- Open with just $500 in new money
- Make up to two additional new-money deposits during the first 60 days
- Make one qualifying withdrawal of up to $5,000 without an early withdrawal penalty*
That added flexibility can be particularly valuable when you want to lock in a competitive rate but do not want all of your funds completely out of reach.
Money Market Accounts:
Earn More While Keeping Greater Access
Want your savings accessible while still earning a competitive return?
A money market account can provide a middle ground between longer-term savings and everyday spending.
That makes it worth considering for funds such as an emergency reserve, upcoming major expense or cash you want available while deciding what comes next.
RadiFi’s Tidal Wave Money Market Account offers tiered earnings of up to 4.00% APY* and has no monthly service charge. The account requires a minimum opening deposit of $2,500 in new money, and deposits to the Tidal Wave Money Market must be new money.
For savers who value liquidity, a money market account can help keep cash working while maintaining access to it.
High-Yield Checking:
Make Your Everyday Money Work Harder
What about the money you use every day? It can earn, too.
Not every dollar can be tucked away in a certificate or savings account. You still need money available for groceries, bills, everyday purchases and other expenses.
That is where a high-yield checking account can play a different role.
With RadiFi Make Waves High-Yield Checking, qualifying balances up to $15,000 can earn 4.00% APY* when monthly account qualifications are met. There is no minimum balance requirement, and members also have access to digital banking, a Visa debit card, early access to qualifying direct deposits and thousands of surcharge-free ATMs nationwide.
To earn the higher APY, members must receive e-statements, have at least $1,000 in monthly direct deposits and complete 15 or more qualifying debit and/or credit card transactions during the monthly qualification cycle.
For money already moving through your checking account, earning a competitive yield can be another way to make more of the cash you keep readily available.
You Don’t Have to Choose Just One
Different dollars can have different jobs.
Money you may need at a moment’s notice has different needs than money set aside for next year. And both are different from the money you use to pay your bills each month.
That is why certificates, money market accounts and high-yield checking can complement one another:
- A certificate can provide a predictable return for money you can set aside for a defined period.
- A money market account can provide competitive earnings while keeping savings more accessible.
- High-yield checking can give everyday funds an opportunity to earn while remaining available for regular spending.
For retirees and fixed-income households, this type of approach may also help separate near-term spending needs from longer-term investments. For short-term savers, it can provide options for earning on cash while working toward a goal. And for more conservative savers, it can offer ways to earn without exposing deposit funds to stock market volatility.
Put Your Cash to Work — Your Way
You cannot control what the markets will do next. But you can decide how the cash portion of your financial picture is positioned.
Whether you want to lock in a competitive rate, maintain greater access to your savings or earn more from your everyday checking balance, RadiFi offers options designed to help your money keep working.
Explore your options:
Learn More & Explore Your Options
Our local team of financial experts are here to help you explore your options and find the best savings option that fits your needs. Connect with us today.
Disclosures
11-Month Flex Access Certificate
APY = Annual Percentage Yield. The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account’s term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union’s account disclosures for complete details.
Tidal Wave Money Market Account
Rates are current subject to change at any time without notice. Our RadiFi Tidal Wave Money Market Account requires a minimum deposit of $2,500 of new money only to open the account. All deposits made to the Tidal Wave Money Market Account must be new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union. Minimum deposit to earn 4.00% APY is $1,000,000.
Make Waves High-Yield Checking
The Make Waves Checking account is a tiered rate account. You may qualify for a higher dividend rate and annual percentage yield if you meet the minimum qualification requirements during the monthly qualification cycle. To meet the minimum qualification requirements, you must: a) enroll in and receive free e-statements; b) complete 15 or more credit card or debit card transactions that post and settle to your account; and c) have direct deposits of at least $1,000.00. The monthly qualification cycle is defined as a period beginning on the first day of the calendar month and ending on the last day of the calendar month. Qualifying credit card transactions include those transactions reflected on your Visa Credit Card statement for the period which closes during the monthly qualification cycle. Assume, for example, that your credit card statement period closes on the 10th of the month. For the monthly qualification cycle beginning July 1st and ending July 31st, those credit card transactions that post and settle during the credit card statement period ending July 10th will be included as qualifying transactions. Debit Card transactions may take one or more business days from the date the transaction was made to post and settle to your account. The debit card transactions must post and settle during the monthly qualification cycle in order to qualify for the higher dividend rate and annual percentage yield. If you meet the minimum qualifications requirements during the qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and annual percentage yield listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to the entire balance in the account.