RadiFi Member Appreciation

Open an account online in less than 5 minutes.

Join RadiFi Credit Union

Ride the New Wave of Banking

When you join RadiFi, you gain a partner for life. No matter what, we’re here to energize your goals and help unlock your potential. 

Banking That’s Way Easier Than Navigating Five Points

We guide, help, and roll up our sleeves, so you can make your hopes and dreams a reality.

Computer class=”wrapper”>

Join RadiFi

Unlock higher dividends, lower loan rates, and convenient services at RadiFi, Your Neighborhood Credit Union.


Become a Member

Lightbulb class=”wrapper”>

Reach your goals

Partner with people who discover and listen for what matters most to you so that you can feel empowered to achieve it.  

Learn more about RadiFi

Hand Holding Plant class=”wrapper”>

Build confidence

Think of us as a coach or mentor, guiding you through life’s stages so you can build confidence in your finances. 

Explore our Wealth Solutions

House class=”wrapper”>

Dream out loud

Whether it’s your first time buying a home or you’re looking to refinance, we inspire you to paint a picture of your perfect tomorrow so we can help you unlock it. 

Explore our Home Loans

Less Eyeroll. More Bankroll.

When you join RadiFi Credit Union, we pull out all the stops.

Make time for vibrant living.

With easy digital banking, you can take back the time you spend at the bank to actually grab a bite on your lunch break or take a stroll outside. At RadiFi, you can handle your business and live a vibrant life.

vibrant living

Dream big with the reality of great rates.

Thinking about buying that brand new home or financing that stylish new car? Do it right here, right now. If it’s your dream, we’ll help you make it easy and affordable to achieve.

dream big with great rates

Build a relationship with a team that empowers you.

We’re more than just a credit union. We’re a partner that you can count on for life. We wink at challenges and get the job done every time.

member empowerment

Join RadiFi to reimagine how you bank.

Come Join Us

RadiFi vs. Banks

  • Type of Organization

    Type of Organization

  • Who can join

    Who can join

  • Invested in

    Invested in

  • Deposits federally insured

    Deposits federally insured

  • Governance


  • Interactions with like financial institutions

    Interactions with like financial institutions


  • Type of Organization

    Not-for-profit – Fewer fees, better rates

    As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees, and greater service.

  • Who can join


    RadiFi’s membership is open to anyone we serve, including the family of eligible members.

  • Invested in

    Community Members

    We serve the needs of our membership and community by investing our non-interest income and interest from loans in local organizations working to make a difference. 

  • Deposits federally insured

    NCUA Insured ($250k)

    Your deposits are insured by the National Credit Union Administration (NCUA) and are backed by the faith and credit of the United States Government.

  • Governance

    Member Owned

    Each member can exercise their voting rights to fill seats on the Board of Directors. The directors advocate for membership.

  • Interactions with like financial institutions


    Credit Unions are financial cooperatives. That means we work together toward one common goal– helping our members prosper. 


  • Type of Organization

    For-profit – More fees, worse rates

    Traditional banking institutions primarily focus on generating profits for their shareholders with no added benefits to their customers. 

  • Who can join


    You cannot join a bank, but anyone can be a customer. 

  • Invested in

    Generating revenue

    Banks use the income they generate from fees, interest, business accounts and investments to increase their shareholders’ earnings. 

  • Deposits federally insured

    FDIC Insured ($250k)

    At a bank, your deposits are insured by the Federal Deposit Insurance Corporation and are backed by the full faith of the United States Government. 

  • Governance

    Stakeholder Owned

    Banks are governed by their shareholders. Voting rights depend on the number of shares you own leaving regular customers out of decisions. 

  • Interactions with like financial institutions


    Banks are competitive. They compete with one another for your business and see you only as a number. 

Who’s Eligible to Join RadiFi Credit Union?

See how you’re eligible to join.

  • Duval
  • Clay
  • St. Johns
  • Nassau County
  • Baker County


This can be anyone who lives in your household or a close relative.

It’s Easy to Join

If you’ve made it this far — you basically belong here. But let’s make it official.

Thumbs Up class=”wrapper”>

Joining is Easy

Becoming a RadiFi member is a special privilege. If you live, work, or worship in Duval, Clay, St. Johns, Nassau, or Baker Counties, you can become a RadiFi member! Apply today!

Account/Loan class=”wrapper”>

Open an Account

The quickest way to become a member is to open a savings account with at least $5. Add a checking account too, or even a loan and other services to RadiFi your life.

Document class=”wrapper”>

Gather Your Personal Info

Don’t forget to grab your Social Security Number and Driver’s License or state-issued photo ID (this includes a US Passport or current US Military ID).


We’re dedicated to empowering you, which fuels everything we do.

My experience thus far has been totally awesome!! The entire staff are the nicest people– always a friendly smile. In some businesses these days, people are cold. Thank you, guys and keep up the great work.

— Sherry S., Member


Explore our blog for the latest credit union news, practical advice, and financial tips.

auto refinance

Should I Refinance My Vehicle Loan?

Summer is here and many of us are ready to take our favorite cars, boats, or RVs out for a much-needed adventure. But if you’re unhappy with the price you’re paying on a monthly vehicle loan to fund your hard-earned wheels, it can take the fun out of those future plans. Whatever the reason for…


Affordable Homeownership with RadiFi Credit Union’s Workforce Housing Plus Program

Unlock affordable homeownership with RadiFi Credit Union’s Workforce Housing Plus program, offering up to $15,000 in financial assistance for down payments and closing costs. Ideal for first-time homebuyers in Jacksonville, this initiative aims to make owning your dream home a reality. Discover how you can benefit and apply today! Read More

First time home buyer tips

First-Time Home Buyer Tips: Your Guide to Homeownership

This comprehensive guide will provide valuable first-time home buyer tips, from financial planning to finding the right home and securing the perfect mortgage. Read More

Ready to Make Waves?

Open a New Account
Get started online
Call Us
SVG linear gradient