Limited-Time Offers on Credit Cards, Personal & Auto Loans
Refi your ride from 4.99% APR*
Plus, earn 15,000 bonus points with a Radifi Credit Card
Ready to make waves?
With no annual fees, fast approvals, and limited-time offers, now’s the time to apply.
CREDIT CARDS
• Earn 15,00 bonus points
• 1.90 intro APR* for 12 months
• No annual fees, mobile wallet and contactless-ready
PERSONAL LOANS
• Pay any debt
• Generous Loan Amounts
• Simple Application Process
REFI WITH RADIFI
• Rates as low as 4.99% APR*
• Make no payments for 90 Days*
• Apply online in minutes
YOUR CREDIT CARD OPTIONS AT A GLANCE
Explore RadiFi’s selection of credit cards, offering various benefits tailored to your financial preferences. Take advantage of our credit card options and enjoy greater financial freedom today!
LOW RATES. NO HIDDEN FEES.
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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 12.90% |
APR* up to 16.90% |
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Product Rewards Visa® Card |
APR* starting at 13.90% |
APR* up to 16.90% |
|
Product Signature Rewards Visa® Card |
APR* starting at 14.40% |
APR* up to 18.00% |
|
Product Secured Visa® Card |
APR* starting at 13.90% |
APR* up to 13.90% |
|
Term |
Annual Percentage Rate* |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
*APR = Annual Percentage Rate. APRs are effective as of 11/1/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. |
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Term 36 months |
Annual Percentage Rate* 10.50% |
Estimated Payment per $1,000 Borrowed $32.50 |
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Term 48 months |
Annual Percentage Rate* 10.75% |
Estimated Payment per $1,000 Borrowed $25.72 |
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Term 60 months |
Annual Percentage Rate* 11.00% |
Estimated Payment per $1,000 Borrowed $21.74 |
|
Term 72 months (minimum $15,000) |
Annual Percentage Rate* 11.25% |
Estimated Payment per $1,000 Borrowed $19.16 |
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Term2 |
APR1 as low as |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
Payment examples are based on the highest term in each tier. 1 APR = Annual Percentage Rate. APRs are effective as of 11/1/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. 2 Mileage could affect the maximum term allowed. Max mileage is 100,000. 3 67-78 Months: $15K minimum. 4 79-84 Months: $25K minimum. |
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Term2 0-48 Months |
APR1 as low as 4.99% |
Estimated Payment per $1,000 Borrowed $23.02 |
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Term2 49-66 Months |
APR1 as low as 6.25% |
Estimated Payment per $1,000 Borrowed $17.94 |
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Term2 67-78 Months3 |
APR1 as low as 6.50% |
Estimated Payment per $1,000 Borrowed $15.75 |
|
Term2 79-84 Months4 |
APR1 as low as 7.00% |
Estimated Payment per $1,000 Borrowed $15.09 |
Applying for a Credit Card or Loan Online is a Breeze!
Apply Online
Apply online in minutes. We’ll need to know your current loan amount and a few other details.
Fast Decisions
Look for an email from us with your decision.
Accept Your Offer
Like what you see? Accept your offer and you’re all set!
Making Waves as Jacksonville’s Local Credit Union since 1935
CALCULATE YOUR PAYMENT
Finding your monthly payment is easy. Just use the handy calculator below.
Credit Card, Personal & Auto Loan FAQs
Once you receive your RadiFi credit card, simply call 800-631-3197 from your home or cell phone we have on file to activate your credit card. Your card must be activated in order to use the card.
Inside Online Banking and with our mobile banking app. Click on your credit card account to find the link to the rewards site. No separate registration is required.
Lost or stolen credit cards can be reported around the clock to 866-820-6975, and in our Mobile App. We offer 24/7 cardholder service for our credit cards at (866) 820-6975.
A personal loan is a fixed-term loan that provides you with a lump sum of money upfront, which you repay in equal monthly payments. Unlike credit cards, personal loans usually have lower interest rates and a clear payoff timeline. Apply for a RadiFi Personal Loan now.
RadiFi offers flexible personal loan amounts to fit your needs. Loan amounts typically range from $500 to $25,000, depending on your creditworthiness and income. Apply today to see how much you qualify for.
You can use a personal loan for just about anything, including:
- Debt consolidation
- Medical expenses
- Home improvements
- Travel or life events
- Unexpected emergencies
Yes! You can start your refinance application online in just a few minutes through our secure online application portal. Prefer to talk to someone? Stop by any RadiFi branch or call us—we’re happy to help.
RadiFi Credit Union refinances most personal-use cars, trucks, and SUVs. Some restrictions apply based on age, mileage, and vehicle condition. Contact us if you have questions about eligibility. Get the auto loan refinance process started now.
Yes, membership is required—but it’s easy to join! If you live, work, worship, or attend school in Duval, Clay, St. Johns, Nassau or Baker County, Florida—or just about anywhere in the U.S. through our partnership with the American Consumer Council—you’re eligible. We’ll help you become a member during the loan process.
Not a Member? You’re Eligible to Join!
Becoming a RadiFi member is easy. If you live, work, worship, or attend school in Duval, Clay, Nassau, Baker, or St. Johns County, you’re eligible. And now, through our partnership with the American Consumer Council (ACC), just about anyone nationwide can join – and RadiFi will even cover the ACC membership fee.
As a member, you’ll enjoy:
- Competitive rates & lower fees
- Exclusive perks designed to save you money
- Personalized service with a local touch
Join today and experience banking that makes waves – no matter where you are.
Need to Talk? Reach us online, over the phone or at a branch.
If you’re ready to apply for a loan, or want to know the status of your loan, give us a call!
Disclosures
*APR = Annual Percentage Rate.
Auto Loan Refinance: APRs are effective as of 09/01/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your credit worthiness, term of loan, loan-to-value, and other criteria. Certain restrictions may apply. Not all members will qualify for this offer. Used vehicles must be 2018 or newer. Refinances of existing RadiFi Credit Union loans do not qualify for this offer. Mileage could affect the maximum term allowed. A sample auto loan payment based on $20,000 financed for 48 months at 4.99% APR is approximately $460.50. Interest will continue to accrue during the 90-day no payment period. Minimum loan amount is $10,000. Maximum loan amount is $250,000.
Credit Card Introductory Rate Offer: 1.90% Intro APR for 12 months on purchases made within your first 90 days of opening the credit card account. After the 12-month promotional period ends, your APR will revert to the standard variable rate, currently 13.15%–16.90%, based on your creditworthiness. Offer subject to change at any time without notice. Restrictions apply. Contact the credit union for complete details at 904-475-8000.