RadiFi High-Yield Deposit Accounts
Put Your Money in Motion
Your Neighborhood Credit Union
Bank Better. Bank Local. Bank RadiFi.
Feel the Rush of Awesome Deposit Rates
Spend It. Save It. Grow It.
What Do You Want Your Money To Do?
Whether you want to earn more on everyday cash, keep savings within reach, or lock in a competitive rate, RadiFi gives you more ways to put your money to work.
Use it Every Day
Checking
Get paid up to one day early and avoid monthly fees with a RadiFi High-Yield Checking Account.
Keep It Accessible
Money Market
Increase your earning power with a RadiFi Tidal Wave Money Market Account.
Put It To Work
Certificate
Grow your money for a set period of time with a RadiFi Share Certificate.
Use It Every Day
The money moving through your checking account can have earning power, too.
Make Everyday Money Work Harder
With Make Waves High-Yield Checking, you can earn 4.00% APY* on qualifying balances up to $15,000 when monthly qualifications are met. There’s no minimum balance requirement, so you can keep using your account for everyday banking while giving your balance an opportunity to earn more.
Plus, say hello to early paydays! Set up direct deposit in a few taps and get paid up to one day early.
Keep It Accessible
Sometimes you need to access your savings — without sitting on the sidelines.
Give Your Savings Room to Grow
For emergency reserves, future purchases, or larger cash balances you want to keep accessible, a money market account can provide another place for your savings to work.
With the Tidal Wave Money Market Account, your APY increases at certain balance levels, giving larger savings more earning potential. There are no monthly service charges, and the account requires a minimum opening deposit of $2,500 in new money.*
Put It to Work
Have money you don’t expect to need right away? Give it a defined place to grow.
Lock In 4.10% APY* — With Added Flexibility
RadiFi’s limited-time 11-Month Flex Access CD offers 4.10% APY* with just $500 in new money to open.
And unlike a traditional certificate, it gives you options:
- Add new money up to two times during the first 60 days*
- Make one qualifying withdrawal up to $5,000 without an early withdrawal penalty*
- Earn 4.10% APY* throughout the 11-month term
It’s designed for savers who want a competitive fixed rate without giving up all flexibility.
Spend It. Save It. Grow It.
Think about the money you have today. Some of it may need to cover this month’s expenses. Some may be set aside for an unexpected cost. And some may not be needed for months. Instead of asking where all of your money should go, consider giving different dollars different jobs.
Look at the Money You Already Have
Growing your savings doesn’t always mean finding more money to save.
Could Your Money Be Doing More?
Take a look at cash you may have sitting in:
- Another bank or credit union
- A traditional savings account
- A low- or non-interest-bearing checking account
- A CD that recently matured
- An account you opened years ago and rarely review
- Funds set aside for an upcoming purchase
- Emergency savings that have grown over time
Moving money into an account that better matches its purpose can be one way to increase its earning potential without changing how much you save each month.
Not Sure Where to Start?
A few simple questions can help point you in the right direction.
Find the Right Next Move for Your Money
Will you use this money regularly?
Start with high-yield checking.
Do you want to keep it readily accessible?
Consider a money market account.
Can you set it aside for the next several months?
A certificate may be worth considering.
Have money serving more than one purpose?
You may decide that a combination of accounts makes the most sense.
Ready to Make Your Money Move?
Wherever your money is sitting today, there may be an opportunity to make more of it.
Put More of Your Money to Work at RadiFi
Disclosures
*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings.
Make Waves 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.
Tidal Wave Money Market Account:
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.
11-Month Flex Access Share Certificate:
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.