Family Saving

Save More. Earn More.

Exclusive High-Yield Share Certificates

Earn as High as 5.30% APY*

Featured Share Certificates Exclusively for Members

Open Your Share Certificate Today

To open your share certificate, visit your neighborhood RadiFi branch, call the credit union or open a regular share certificate through Digital Banking.

Call Us
904-475-8000
Sign up for Digital Banking
Register Now

Make Waves with Certificates: Elevate Your Savings and Boost Your Earnings

Lock class=”wrapper”>

Guaranteed Returns

Ensure predictability for your hard-earned savings by securing an excellent rate, providing you with a clear expectation of returns.

Shield class=”wrapper”>

Safety & Security

Enjoy peace of mind as your funds actively work for you, while being federally insured by NCUA.

Hand Holding Plant class=”wrapper”>

Flexibility

You have the flexibility to decide how to utilize your funds upon the maturity of the certificate, ensuring you time to make informed and strategic financial choices.

Featured Share Certificate Rates

Find the Right Term to Fit Your Needs

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%

 

11-Month Member Exclusive Share Certificate Special


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. The 11-Month Share Certificate Member Exclusive Special cannot be opened through RadiFi Digital Banking. Please visit your neighborhood branch or call 904-475-8000 to open this share certificate.


Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%


 
3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Open Your Share Certificate Today

To open your share certificate, visit your neighborhood RadiFi branch, call the credit union or open a regular share certificate through Digital Banking.

Call Us
904-475-8000
Sign up for Digital Banking
Register Now

Current Certificate Promotions

 

13-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

 

17-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.650%

Annual Percentage Yield*

4.750%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

 

23-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.218%

Annual Percentage Yield*

4.300%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.314%

Annual Percentage Yield*

4.400%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%


 

31-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Open Your Share Certificate Today

To open your share certificate, visit your neighborhood RadiFi branch, call the credit union or open a regular share certificate through Digital Banking.

Call Us
904-475-8000
Sign up for Digital Banking
Register Now

Regular Term Share & IRA Certificates

 

3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%

 

12-Month Term Certificate


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.


Tiered Structure

$500-$2,499.99

Dividend Rate

2.618%

Annual Percentage Yield*

2.650%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.813%

Annual Percentage Yield*

2.850%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.880%

Annual Percentage Yield*

3.950%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

 

18-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.765%

Annual Percentage Yield*

2.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.862%

Annual Percentage Yield*

2.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

 

24-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

 

30-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.154%

Annual Percentage Yield*

3.200%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.251%

Annual Percentage Yield*

3.300%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.300%

Annual Percentage Yield*

3.350%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.348%

Annual Percentage Yield*

3.400%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

 

36-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.121%

Annual Percentage Yield*

4.200%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

 

48-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

60-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

FAQs

When you open a Share Certificate, you agree to leave your funds untouched for a predetermined term, ranging from a few months to several years. In return, you receive a fixed dividend rate on your investment, providing a predictable return upon maturity.

Unlike a regular savings account, a Share Certificate has a fixed term and dividend rate. This means you commit to keeping your money invested for a specific duration, in exchange for a higher dividend rate compared to a standard savings account.

Share Certificates are ideal for individuals seeking a low-risk, predictable return on their savings. However, they may not be suitable for those needing immediate access to their funds or looking for higher-risk, potentially higher-reward investments

Yes, most Share Certificates are federally insured by organizations such as the National Credit Union Administration (NCUA) or the Federal Deposit Insurance Corporation (FDIC). This insurance ensures that your principal is protected up to a certain limit, providing added security to your investment. All Share Certificates at RadiFi Credit Union are federally insured by the NCUA up to $250,000.

Generally, withdrawing funds before the certificate matures may result in penalties or loss of accrued interest. It’s essential to check the terms and conditions of your specific Share Certificate.

When a Share Certificate reaches maturity, you have several options. You can choose to reinvest the funds in another certificate, withdraw the money, or explore other investment opportunities. This flexibility allows you to make decisions based on your current financial goals and market conditions.

Informative Insights: Dive into Articles Packed with Valuable Tips and Guidance on Share Certificates

Happy Family Saving

Advantages of Credit Union Share Certificates

In the financial landscape, credit unions stand out as member-owned, not-for-profit institutions that prioritize the financial well-being of their members. One unique offering that credit unions provide is the credit union share certificate. In this piece, we’ll explore the nature of credit union share certificates, unraveling their functionality and examining the advantages they bring to those who save.

LEARN MORE
Savings with Piggy Bank

How are Share Certificates different from a ‘CD’?

Credit unions use the term “share certificates” instead of “certificates of deposit (CDs)” to emphasize their cooperative and member-focused nature. Unlike traditional banks, credit unions operate on a member-owned, not-for-profit basis. When members deposit money into a share certificate, they are essentially purchasing shares in the credit union, making them partial owners.

LEARN MORE
Savings Jar

Comparing the features of savings accounts and Share Certificates

The main difference between share certificates and a regular savings account is that a savings account is a liquid, dividend-earning deposit with easy access to funds, while a share certificate is a fixed-term deposit with a higher dividend rate, but restricted access to funds until the maturity date. Share certificates often offer higher yields due to the commitment to keep funds invested for a specified period.

LEARN MORE

Open Your Share Certificate Today

To open your share certificate, visit your neighborhood RadiFi branch, call the credit union or open a regular share certificate through Digital Banking.

Call Us
904-475-8000
Sign up for Digital Banking
Register Now

3-Month & 6-Month Featured Top Rates Advertising Disclosure: *APY = Annual Percentage Yield. APYs listed are current as of 02/02/2024. Rates are subject to change at any time without notice. Minimum to earn 4.10% APY for 3-month term is $500. Minimum to earn 5.30% APY for 6-month term is $1,000,000. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. Click here to view our Truth-in-Savings for Certificates Disclosure.

SVG linear gradient