Share Certificates
Take advantage of competitive rates, flexible terms and guaranteed returns.
Featured CD Specials
Limited-Time Only
Empower Your Savings to Grow Faster
Lock in higher interest rates & avoid the risk of market-based investments.
Your Choice Of Commitment
Check your savings calendar and choose timelines ranging from 3 to 60 months.
Interest^ Compounded Monthly
Dividends are credited monthly, or you may request a check or transfer to your RadiFi account.
Easy To Manage & Renew
If you appreciate savings on auto-pilot, certificates can be automatically renewed at maturity.
Featured Share Certificates
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Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
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*APY = Annual Percentage Yield. The Term for this Promotional Certificate is 9 months, with a minimum opening deposit of $500.00 from a source not on deposit within the 30 days period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. Penalty for early withdrawal. Fees may reduce earnings. Offer begins October 15, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union’s account disclosures for complete details. |
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Minimum balance to earn dividends $500.00 or Higher (new money only) |
Dividend Rate 4.803% |
Annual Percentage Yield* 4.91% |
|
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/5/2026 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Minimum balance to earn dividends $500-$24,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $25,000-$49,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $50,000-$99,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $100,000-$249,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $250,000-$499,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $500,000-$749,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $750,000-$999,999.99 |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
Minimum balance to earn dividends $1,000,000 OR HIGHER |
Dividend Rate 4.218% |
Annual Percentage Yield* 4.30% |
|
|
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
APY = Annual Percentage Yield. The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate with a minimum opening deposit of $500.00 from a source not on deposit within the 30-day period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. The Dividends for the Flex Access Account will be compounded Monthly, credited Monthly, over the Account’s term. Two additional deposits of new money only are allowed within the first 60 days after account opening. Upon maturity, the Flex Access Account will automatically renew to the closest certificate term available at the dividend rate and APY in effect at that time. Withdrawals from the 11-Month Flex Access Certificate are subject to the early withdrawal penalties stated within the Disclosure. A single partial withdrawal of up to $5,000 may be made before the maturity date without penalty once the account has been opened for a minimum of seven (7) days. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union’s account disclosures for complete details. |
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$500-$2,499.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$2,500-$24,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$25,000-$49,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$50,000-$99,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$100,000-$249,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$250,000-$499,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$500,000-$749,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$750,000-$999,999.99 |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
$1,000,000 OR HIGHER |
Dividend Rate 4.025% |
Annual Percentage Yield* 4.10% |
|
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/15/2026 and subject to change at any time without notice. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Minimum balance to earn dividends $500-$24,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $25,000-$49,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $50,000-$99,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $100,000-$249,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $250,000-$499,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $500,000-$749,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $750,000-$999,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $1,000,000 OR HIGHER |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
All Certificate Rates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/15/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Tiered Structure $500-$2,499.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
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Tiered Structure $100,000-$249,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
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Tiered Structure $500,000-$749,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.105% |
Annual Percentage Yield* 3.15% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.203% |
Annual Percentage Yield* 3.25% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/15/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Tiered Structure $500-$2,499.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
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Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.60% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.590% |
Annual Percentage Yield* 3.65% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
|
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
$500-$2,499.99 |
Dividend Rate 2.618% |
Annual Percentage Yield* 2.650% |
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$2,500-$24,999.99 |
Dividend Rate 2.667% |
Annual Percentage Yield* 2.700% |
|
$25,000-$49,999.99 |
Dividend Rate 2.716% |
Annual Percentage Yield* 2.750% |
|
$50,000-$99,999.99 |
Dividend Rate 2.813% |
Annual Percentage Yield* 2.850% |
|
$100,000-$249,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.850% |
|
$250,000-$499,999.99 |
Dividend Rate 3.832% |
Annual Percentage Yield* 3.900% |
|
$500,000-$749,999.99 |
Dividend Rate 3.880% |
Annual Percentage Yield* 3.950% |
|
$750,000-$999,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.000% |
|
$1,000,000 OR HIGHER |
Dividend Rate 3.977% |
Annual Percentage Yield* 4.050% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Tiered Structure $500-$2,499.99 |
Dividend Rate 2.667% |
Annual Percentage Yield* 2.700% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 2.716% |
Annual Percentage Yield* 2.750% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 2.765% |
Annual Percentage Yield* 2.800% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.900% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.050% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.050% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.050% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.050% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.050% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/15/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
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Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.600% |
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Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.600% |
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Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.600% |
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Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.687% |
Annual Percentage Yield* 3.75% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 10/19/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
Personal Goal Savings Certificates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield and is effective as of 10/19/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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Tiered Structure $0.01-$500 |
Dividend Rate 0.499% |
Annual Percentage Yield* 0.50% |
|
Tiered Structure $501-$1,000 |
Dividend Rate 0.598% |
Annual Percentage Yield* 0.60% |
|
Tiered Structure $1,000.01-$1,500 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure $1,500.01 and up |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield and is effective as of 10/19/2026, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. |
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|
Tiered Structure $0.01 to $2,500 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure $2,501-$5,000 |
Dividend Rate 0.847% |
Annual Percentage Yield* 0.85% |
|
Tiered Structure $5,001-$7,500 |
Dividend Rate 0.896% |
Annual Percentage Yield* 0.90% |
|
Tiered Structure $7,500.01 and up |
Dividend Rate 0.995% |
Annual Percentage Yield* 1.00% |
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We’re dedicated to empowering you, which fuels everything we do.
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Open Your Certificate Today
Most certificates can be opened online, in-branch or by calling us at 904-475-8000.