Members with savings-only accounts receive quarterly statements. Sign up for direct deposit, eStatements, or get a checking account to receive monthly statements.

Checking Accounts
Day to day spending on a whole new level.
Empower Your Everyday Transactions
At RadiFi, our checking accounts redefine convenience and security in banking.
Secure, Reliable, and Easy To Use
Whether you prefer a traditional checking account or one with interest-bearing benefits, RadiFi has the perfect solution for your banking needs. Open your account today for a modern and hassle-free banking experience.
ONLINE BILLPAY
Easy money management to help you pay bills.
You’ve got enough going on with your day-to-day. Use Free Bill Pay to help with the rest. Schedule one-time or recurring payments to help you get organized and pay your bills on time.
MOBILE BANKING
Money is mobile and so are you.
Take full advantage of our mobile banking app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.
FREE DEBIT CARD
Contactless, tap-to-pay Visa debit card.
Access your cash at ATMs and pay for purchases using your RadiFi debit card. It’s quick, easy and secure.
SURCHARGE-FREE ATMs NATIONWIDE
Convenient access. Everywhere.
A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.
5,000+ SHARED BRANCHING LOCATIONS
Full service isn’t limited to your hometown.
Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.
GET PAID EARLY
You deserve an advance on your hard-earned cash.
Get access to your paycheck one day before payday when you enroll in direct deposit.
Your Checking Account Options At A Glance
Pick your own path to convenience.
Checking Account Rates
Account |
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
---|---|---|---|
*APY = Annual Percentage Yield. APYs listed are current as of 02/01/2025. Rates are subject to change without notice. |
|||
Account |
Minimum balance to earn dividends $0-$15,000 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.000%** |
Account |
Minimum balance to earn dividends $15,000.01 or greater |
Dividend Rate 1.490% |
Annual Percentage Yield* 1.500%** |
Account |
Minimum balance to earn dividends Qualifications not met |
Dividend Rate 0.000% |
Annual Percentage Yield* 0.000% |
Account Extreme Checking |
Minimum balance to earn dividends $0-$5,000 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.750%** |
Account Extreme Checking |
Minimum balance to earn dividends $5,001 |
Dividend Rate 0.049% |
Annual Percentage Yield* 0.050%** |
Account Extreme Checking |
Minimum balance to earn dividends Qualifications not met |
Dividend Rate 0.000% |
Annual Percentage Yield* 0.000% |
Account Interest Checking |
Minimum balance to earn dividends – |
Dividend Rate 0.050% |
Annual Percentage Yield* 0.050% |
Account Free Checking |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
Account |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU
Open a Make Waves High Yield Checking Account today
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Suzanne T., MemberJAXFCU (now RadiFi) is an awesome credit union! I love being a member! Always friendly and efficient and take care of my financial needs. Thank you!
RadiFi Resources
Explore our blog for the latest credit union news, practical advice, and financial tips.

Coming Soon: A Fresh, Enhanced Look for Your RadiFi Digital Banking!
Exciting updates are coming to your RadiFi Digital Banking experience! On February 13th, we’re rolling out a fresh, streamlined design with enhanced navigation and new user-friendly features. Enjoy easier card management, savings insights, quick account access, and more—all designed to make banking simpler and more convenient. Learn more about what’s coming! Read More

Unlock Homeownership: Join RadiFi’s First-Time Homebuyer Workshop
Buying your first home is an exciting journey, but it can also feel overwhelming. RadiFi Credit Union is here to help! Join our First-Time Homebuyer Workshop to gain expert insights, learn about financing options, and feel confident in your homebuying decisions. Don’t miss this opportunity—reserve your spot today! Read More

New Skip-a-Payment Program
Need a little extra room in your budget? RadiFi’s Skip-a-Payment program lets you defer a loan payment, giving you financial flexibility when it matters most. Learn how to request a skip-a-payment today. Read More
It’s Easy To Get Started
We’re ready to introduce you to a whole new level of convenience.
Disclosures
*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings.
1 $100 minimum balance required to avoid $3.50 monthly service fee.
2 Interest paid on balances of $2,500 or more.
3 Requires direct deposits of $500 or more and 10 or more debit card purchases per month.
4 Account qualifications must be met to earn stated APY.