Certificates
Calendars and savings are a match made in heaven.
Grow Your Savings On A Timeline Of Your Own Choice
If you’re in a position to leave your savings untouched for a set amount of time, a Certificate could be right for you.
Tools for Becoming a Seasoned Saver
Your Choice Of Commitment
Check your savings calendar and choose timelines ranging from 3 to 60 months.
Interest^ Compounded Monthly
Your Certificate is paid 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 for up to 5 years.
Awesome Share Certificates
Ride the Wave to Higher Earnings with these Amazing Rates
Hurry! Limited time offer.
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Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
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*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
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Tiered Structure $2,500-$24,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
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Tiered Structure $50,000-$99,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $100,000 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $100,000 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. Truth and Savings Disclosure. |
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Minimum balance to earn dividends $2,000-$49,999 |
Dividend Rate 4.362% |
Annual Percentage Yield* 4.45% |
|
Minimum balance to earn dividends $50,000 |
Dividend Rate 4.458% |
Annual Percentage Yield* 4.55% |
|
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. Truth & Savings Disclosure. |
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Minimum balance to earn dividends $2,000-$49,999 |
Dividend Rate 4.410% |
Annual Percentage Yield* 4.50% |
|
Minimum balance to earn dividends $50,000 |
Dividend Rate 4.554% |
Annual Percentage Yield* 4.65% |
OPEN YOUR CERTIFICATE TODAY
Most certificates can be opened through digital banking, in-branch or by calling us at 904-475-8000.
IRA & Regular Share Certificates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure $100,000 |
Dividend Rate 4.169% |
Annual Percentage Yield* 4.25% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
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Tiered Structure $100,000 |
Dividend Rate 4.889% |
Annual Percentage Yield* 5.00% |
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|
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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$500-$2,499 |
Dividend Rate 2.618% |
Annual Percentage Yield* 2.65% |
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$2,500-$24,999 |
Dividend Rate 2.667% |
Annual Percentage Yield* 2.70% |
|
$25,000-$49,999 |
Dividend Rate 2.716% |
Annual Percentage Yield* 2.75% |
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$50,000-$99,999 |
Dividend Rate 2.813% |
Annual Percentage Yield* 2.85% |
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$100,000 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 2.667% |
Annual Percentage Yield* 2.70% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 2.716% |
Annual Percentage Yield* 2.75% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 2.765% |
Annual Percentage Yield* 2.80% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
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Tiered Structure $100,000 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.05% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
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Tiered Structure $2,500-$24,999 |
Dividend Rate 2.911% |
Annual Percentage Yield* 2.95% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
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Tiered Structure $50,000-$99,999 |
Dividend Rate 3.008% |
Annual Percentage Yield* 3.05% |
|
Tiered Structure $100,000 |
Dividend Rate 3.057% |
Annual Percentage Yield* 3.10% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 3.154% |
Annual Percentage Yield* 3.20% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
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Tiered Structure $100,000 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 3.203% |
Annual Percentage Yield* 3.25% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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Tiered Structure $500-$2,499 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $100,000 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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|
Tiered Structure $500-$2,499 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $25,000-$49,999 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $50,000-$99,999 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $100,000 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
Personal Goal Savings Certificates
Got your goal ready? Select a short or long term period and reach your target balance sooner.
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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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 $1,001-$1,500 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. |
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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 $7,501-$10,000 |
Dividend Rate 0.995% |
Annual Percentage Yield* 1.00% |
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Duane L., MemberI inquired about a certificate and was very pleased with the immediate response and completion of my business.
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Open Your Certificate Today
Most certificates can be opened through digital banking, in-branch or by calling us at 904-475-8000.
The Credit Union Difference
^In credit unions, members are owners. Therefore, interest equals dividends.