$500 Minimum Deposit (New Money Only)
Earn 4.10% APY*
11-Month Flex Access CD Special
11-Month Certificate with FLEX
Lock in a competitive 4.10% APY* for 11 months without giving up all the flexibility you want from your savings.
- Add funds twice during the first 60 days* (new money only)
- Make one withdrawal up to $5,000*
- $500 minimum deposit (new money only)
Call to Open: 904-478-8000
Why Choose the 11-Month Flex Access Certificate?
Limited-Time Offer
4.10% APY*
Earn a competitive rate of 4.10% APY* (all certificate tiers) for the full 11-month term.
Add Funds Twice*
Make up to two additional new money deposits (no max amount) during the first 60 days of account opening.
Access Up to $5,000*
Make one qualifying withdrawal up to $5,000 during the 11-month term without an early withdrawal penalty.
Start With $500
Open your certificate with a minimum deposit of just $500 in new money.
Put Your Savings in Motion
More earning power. More flexibility.
A Different Kind of CD
If you want the earning potential of a certificate but like having a little more room to move, the 11-Month Flex Access Certificate gives you another way to save.
Open with new money today, add more as it becomes available, and earn 4.10% APY* along the way.
Ready to Earn 4.10% APY*?
This promotional certificate is available for a limited time.
Open By Phone or at a RadiFi Branch
Membership Eligibility
Nationwide options make it easier to join RadiFi online.
Join RadiFi From Almost Anywhere
RadiFi membership is available through local eligibility, family membership, and our nationwide membership option through the American Consumer Council (ACC).
If you qualify through ACC, RadiFi covers the ACC membership fee during the online account opening process.
Flex Access Certificate at a Glance
APY: 4.10%*
Term: 11 months
Minimum Opening Deposit: $500
Funding Requirement: New Money Only*
Additional Deposits: Up to two during the first 60 days of account opening*
Penalty-Free Access: One withdrawal of up to $5,000*
How to Open: By phone or at a RadiFi branch
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Dividend Rate |
Annual Percentage Yield* |
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This special is effective as of 09/01/2026 and is subject to change or end at any time without notice. The Term for this Flex Access is 11 months, with a minimum opening deposit of $500.00 from a source not on deposit within the 30 days 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 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 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. |
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$500-$2,499.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
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$2,500-$24,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$25,000-$49,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$50,000-$99,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$100,000-$249,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$250,000-$499,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$500,000-$749,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$750,000-$999,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$1,000,000 OR HIGHER |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
Ready to Make Your Money Move?
Grow your savings without locking yourself into the usual CD routine.
Disclosures
APY = Annual Percentage Yield. The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate. A minimum opening deposit of $500 in new money only is required to open the certificate and earn the advertised APY. New money is defined as funds not currently on deposit with RadiFi Credit Union and that have not been on deposit with RadiFi Credit Union within the previous 30 calendar days. Up to two additional deposits of new money only may be made to the certificate during the first 60 calendar days after account opening. One withdrawal of up to $5,000 may be made during the 11-month certificate term without an early withdrawal penalty. Any additional withdrawal, or withdrawal not meeting the requirements of the penalty-free withdrawal feature, may be subject to an early withdrawal penalty and may reduce earnings. A minimum balance of $500 must remain in the certificate following any withdrawal. 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.