Make Waves Checking Account

Take your day to day spending to the next level

Make Waves® High Yield Checking

Empowering you to greater heights

You can earn 4.00% APY* on balances of $15,000 or less | Earn 1.50% APY* on balances of $15,000.01 or greater

Empower your everyday transactions with this high yield checking account that puts money back in your pocket.

High Yield Checking Qualifications

The following qualifications must be met to earn the stated APYs:

 

  • Minimum opening deposit of $15,000 (new money only)
  • Enroll in and receive eStatements
  • Open and maintain a RadiFi Visa Credit Card
  • Have direct deposits of at least $2,000 per month
  • Maintain a $5,000 average daily balance**
  • Complete 15 or more credit and/or debit card transactions per month

PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU

Open a Make Waves™ High Yield Checking Account today

Open an Account

Secure, Reliable, and Easy To Use

Safely spend, track, and do even more with your accounts at any time– on your digital devices and in your favorite places.

Computer class=”wrapper”>

ONLINE BILLPAY

Easy money management to help you pay bills.

You’ve got enough going on with your day-to-day. Use Free Bill Pay to help with the rest. Schedule one-time or recurring payments to help you get organized and pay your bills on time.

Mobile Phone class=”wrapper”>

MOBILE BANKING

Money is mobile and so are you.

Take full advantage of our mobile banking app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.

Debit/Credit Card class=”wrapper”>

FREE DEBIT CARD

Contactless, tap-to-pay Visa debit card.

Access your cash at ATMs and pay for purchases using your RadiFi debit card. It’s quick, easy and secure.

ATM class=”wrapper”>

SURCHARGE-FREE ATMs NATIONWIDE

Convenient access. Everywhere.

A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.

Storefont class=”wrapper”>

5,000+ SHARED BRANCHING LOCATIONS

Full service isn’t limited to your hometown.

Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.

Deposit class=”wrapper”>

GET PAID EARLY

You deserve an advance on your hard-earned cash.

Get access to your paycheck one day before payday when you enroll in direct deposit.

Checking Account Rates

Checking Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs listed are current as of 02/02/2024. Rates are subject to change without notice.
**Account Qualifications must be met to earn stated APY for Extreme Checking and Make Waves High Yield Checking.

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$5,000- $15,000

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$15,000.01 or greater

Dividend Rate

1.490%

Annual Percentage Yield*

1.500%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

Account

Extreme Checking

Minimum balance to earn dividends

$0-$5,000

Dividend Rate

0.747%

Annual Percentage Yield*

0.750%**

Account

Extreme Checking

Minimum balance to earn dividends

$5,001

Dividend Rate

0.049%

Annual Percentage Yield*

0.050%**

Account

Extreme Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

Account

Interest Checking

Minimum balance to earn dividends

$2,500

Dividend Rate

0.050%

Annual Percentage Yield*

0.050%

Account

Free Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

Account

Teen Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

Disclosures

*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings. Make Waves High Yield Checking account is a tiered rate account that requires a minimum opening deposit of $15,000 new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union. If you meet the minimum qualification requirements during the monthly qualification cycle of 1) enroll in and receive e-statements; 2) maintain an active RadiFi Credit Union Visa Credit Card; 3) complete 15 or more credit card or debit card point-of-sale or signature based transactions that post and settle to your account; 4) have direct deposits of at least $2,000.00; and 5) maintain a $5,000.00 average daily balance during the monthly qualification cycle, you will earn the first dividend rate and APY 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 APY 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 APY listed for this account in the Rate Schedule will apply to the entire balance in the account. 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. **To avoid the service fee listed in the Rate Schedule for this account you must maintain an average daily balance of $5,000.00.

SVG linear gradient