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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.

Join RadiFi

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

Become a Member

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

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

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.

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.

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.

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.

Open an Account

It’s Easy to Join

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

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!

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.

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.

13-Month Certificate Special

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

Start Saving Today

Visa Balance Transfer Promotion

Hurry! Offer ends March 31st – 2.99% APR* for 15 Months on balance transfers with a 1% fee

Transfer & Save

High-Yield Checking

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

Learn More

Auto Loan Refinance Special

Hurry! Offer ends March 31st – Get a 0.25%* Rate Reduction when you refinance your auto loan from another lender.

Refinance My Auto Loan

$1,000 Cash Back* on a New Home Mortgage

Earn $1,000 cash back on a qualifying new home mortgage when you build your banking relationship with RadiFi.

Get Started

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.

RadiFi Credit Union Best of Clay County, FL

RadiFi Credit Union Nominated for Best Credit Union in Clay County

RadiFi Credit Union has been nominated for Best Credit Union in Clay County in the Clay Today Best of Clay 2026 awards. Voting is open now through April 1 and you can vote once per day. Support RadiFi and cast your vote today. Read More

Newsweek America’s Best Credit Unions 2026 award badge honoring top-performing regional credit unions, in partnership with Plant-A Insights Group.

RadiFi Credit Union Named One of America’s Best Credit Unions for 2026

RadiFi Credit Union has been named one of America’s Best Credit Unions for 2026 by Newsweek, recognizing its commitment to community-focused banking, trusted service, and meaningful local impact. This national recognition highlights RadiFi’s people-first approach to helping members and communities thrive. Read More

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

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