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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.

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Join RadiFi

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

 

Become a Member

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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

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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

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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.

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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.

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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

    Governance

  • Interactions with like financial institutions

    Interactions with like financial institutions

RadiFi

  • 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

    Members

    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

    Cooperative

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

Banks

  • 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

    Customers

    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

    Competitive

    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.

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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!

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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.

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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).

Current Specials

Limited-time offers to help you save more and borrow smarter.

RadiFi Credit Union Youth Savings Account

$25 To Get Them Started

Open a Youth Savings Account in May and receive a $25 deposit* from RadiFi.

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13-Month Certificate Special

Earn 3.75% APY* with a minimum $2,500 deposit.

Start Saving Today
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High-Yield Checking

Earn up to 4.00% APY* with our Make Waves High-Yield Checking Account.

Learn More
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New Visa Credit Card Offer

1.90% intro APR* for 12 months on purchases made in the first 90 days

Explore Offers

OUR MEMBERS EMPOWER US

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

RADIFI RESOURCES

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

Protect Yourself from Frauds and Scams

Tips for protecting yourself from fraud

Impersonation scams are a growing threat that target everyday banking customers by exploiting trust and urgency. These scams occur when fraudsters pose as trusted representatives — often appearing to be from your credit union — through phone calls (vishing), text messages (smishing), or emails (phishing) to trick you into sharing sensitive personal or financial information. Read More

RadiFi Credit Union blood drive at the Park Street location in Jacksonville, Florida.

Give Blood. Make Waves in Your Community.

RadiFi Credit Union is partnering with LifeSouth Community Blood Centers to host a blood drive at our Park Street location on Wednesday, May 20, from 10:00 a.m. to 4:00 p.m. Schedule your appointment or stop by to help make a lifesaving difference in our community. Read More

Children's Miracle Network

Make Waves for Miracles: Support Children’s Miracle Network This May

During the month of May, RadiFi members, associates, and community supporters are invited to make a donation to Children’s Miracle Network. In recognition of each donation, a Children’s Miracle Network balloon will be displayed in our branches as a visible symbol of support for children and families who need it most. These balloons represent more…

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