Low Rates. Simple Application Process.

Introductory HELOC Rate 3.99% APR* Fixed through June 30, 2025

Then Regular Variable APR as low as 7.75% APR*

Your Neighborhood Credit Union – Empowering Your Dreams and Fueling Your Future!

At RadiFi, we believe in the power of your home’s value to create the life you’ve always dreamed of. Our Home Equity Loans and Home Equity Lines of Credit offer the flexibility, competitive rates, and personalized service to help you achieve your goals. Whether you’re renovating, consolidating debt, or investing in education, we’re here to guide you every step of the way.

Get Started Today

Why RadiFi Home Equity Loans
Are the Smart Choice for You

Live Vibrantly with Exceptional Rates: RadiFi offers some of the most competitive rates in the area, helping you make the most of your home’s equity.

Plus, get up to $500 credit in closing costs.*

Fixed Rate Home Equity Loans

Enjoy a fixed interest rate starting at 5.75% APR*, up to 80% LTV, 10 year term, purpose refinance.

Explore Fixed Rate Home Equity Loans

Home Equity Lines of Credit (HELOCs):

Introductory HELOC Rate 3.99% APR* Fixed through June 30, 2025; then Regular Variable APR as low as 7.75% APR**.

Discover Home Equity Lines of Credit

Why Choose RadiFi?

Flexible Solutions Tailored to Your Needs:

Every financial situation is unique, and so are our loan options. Whether you need a lump sum for a major renovation or a line of credit to manage ongoing expenses, RadiFi’s home equity loans and HELOCs provide the flexibility to fit your needs. Our team works closely with you to design a solution that aligns perfectly with your goals.

Bank Easy with
Local Expertise:

RadiFi isn’t just a credit union; we’re your local financial partner. We understand the unique needs and opportunities in our community. Our experts are here to guide you through every step of the home equity loan process, from application to approval, ensuring a smooth and stress-free experience tailored to your needs.

Empathy in
Every Interaction:

We pride ourselves on building genuine relationships with our members. At RadiFi, you’re more than just a number—you’re a valued individual with unique needs and aspirations. Our team is here to listen, understand, and offer solutions that truly make a difference in your life.

Pathways to Achieve
Your Dreams:

Imagine transforming your home, consolidating high-interest debt, or funding an educational endeavor with the equity you’ve built. RadiFi’s home equity loans open up new pathways to achieving your dreams and enhancing your quality of life. Let us help you take the next step toward a brighter future.

Pick Your Path

RATE

RATE
FUNDS RECEIVED

FUNDS RECEIVED
PAYMENT AMOUNT

PAYMENT AMOUNT
LENGTH OF LOAN

LENGTH OF LOAN
LOAN TO VALUE (LTV)

LOAN TO VALUE (LTV)
LOAN AMOUNTS

LOAN AMOUNTS

Home Equity Loan

RATE

Fixed
FUNDS RECEIVED

Receive entire amount at one time
PAYMENT AMOUNT

Payments based on 5 to 20 year payback
LENGTH OF LOAN

Up to 20 years
LOAN TO VALUE (LTV)

Up to 90% financing (up to 95% for home improvement)
LOAN AMOUNTS

$10,000 – $250,000

Home Equity Line of Credit (HELOC)

RATE

Lowest possible rate; variable with annual rate cap
FUNDS RECEIVED

Receive funds as needed
PAYMENT AMOUNT

Payment amount varies based on balance
LENGTH OF LOAN

20 years (8-year draw period and up to 12-year payback period)
LOAN TO VALUE (LTV)

Up to 90% financing
LOAN AMOUNTS

Minimum draw $5,000 / $10,000 line up to $250,000

NOTE: Home Equity Loans and Home Equity Lines of Credit (HELOCs) available for primary residences in Florida and Southern Georgia only.

APPLY TODAY

RadiFi Membership: Join a Community That Cares

Become Part of the RadiFi Family Today!

Not yet a member? Join RadiFi Credit Union and experience the benefits of being part of a community-focused financial institution.

Access a full range of financial products and services designed with your best interests in mind.
Enjoy lower fees and better rates compared to traditional banks.
Benefit from personalized service and financial guidance tailored to your needs.

Who Can Join RadiFi?

If you live, work, worship, or attend school in Duval, St. Johns, Clay, Nassau, or Baker counties, you’re eligible to become a member of RadiFi Credit Union. Joining is simple and opens the door to a world of financial possibilities.

Home Equity Loan Rates

First Lien Home Equity Loan 0-80% Loan to Value Ratio¹
Purpose/Limitations	Term (Years)	Rate	Pre-Paid Finance Charge²	APR²	P&I Payment³
¹When a paid off home is on your horizon, our Fixed-Rate First Lien Home Equity Loan will get you there fast! Minimum loan amount is $50,000, Maximum amount $250,000. Enjoy our quick turnaround, and up to $500 credit toward closing costs. Loan amounts over $100,000 require a full appraisal. The example is based on a $25,000 loan balance over 10 years. ²Prepaid Finance Charges paid by the member and affect the Annual Percentage Rate. ³Escrow for taxes and insurance may be needed and are not included in the principal and interest (P&I) payment amount shown above. ⁴ Cash out is limited to $2,000. APR = Annual Percentage Rate. APRs listed are effective as of 12/01/2024 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Purpose/Limitations Refinance – No Cash Out⁴	Term (Years) 10	Rate 5.75%	Pre-Paid Finance Charge² $543.86	APR² 6.23%	P&I Payment³ $274.42
Purpose/Limitations Cash Out	Term (Years) 10	Rate 6.00%	Pre-Paid Finance Charge² $547.05	APR² 6.48%	P&I Payment³ $277.55

Second Lien Home Equity Loan 0-80% Loan to Value Ratio¹
Term (Years)	Rate	Pre-Paid Finance Charge²	APR²	P&I Payment³
¹ Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available. ² Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate. ³Principal and Interest (P&I) together equal the payment amount. APR = Annual Percentage Rate. APRs listed are effective as of 12/01/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Term (Years) 5	Rate 6.25%	Pre-Paid Finance Charge² $547.40	APR² 7.16%	P&I Payment³ $486.23
Term (Years) 10	Rate 6.50%	Pre-Paid Finance Charge² $553.49	APR² 6.99%	P&I Payment³ $283.87
Term (Years) 15	Rate 6.80%	Pre-Paid Finance Charge² $561.12	APR² 7.16%	P&I Payment³ $221.92
Term (Years) 20	Rate 7.88%	Pre-Paid Finance Charge² $581.55	APR² 8.19%	P&I Payment³ $207.25

Second Lien Home Equity Loan 81-90% Loan to Value Ratio¹
Term (Years)	Rate	Pre-Paid Finance Charge²	APR²	P&I Payment³
¹Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available. ² Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate. ³Principal and Interest (P&I) together equal the payment amount. APR = Annual Percentage Rate. APRs listed are effective as of 12/01/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Term (Years) 5	Rate 7.00%	Pre-Paid Finance Charge² $556.37	APR² 7.93%	P&I Payment³ $495.03
Term (Years) 10	Rate 7.25%	Pre-Paid Finance Charge² $563.30	APR² 7.76%	P&I Payment³ $293.50
Term (Years) 15	Rate 7.55%	Pre-Paid Finance Charge² $571.87	APR² 7.92%	P&I Payment³ $232.46
Term (Years) 20	Rate 8.52%	Pre-Paid Finance Charge² $591.78	APR² 8.84%	P&I Payment³ $217.27

Second Lien Home Equity Loan 91-95% Loan to Value Ratio¹ for Home Improvement Only
Term (Years)	Rate	Pre-Paid Finance Charge²	APR²	P&I Payment³
¹Loans over $100,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Up to $500 credit toward closing costs available. ²Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate. ³Principal and Interest (P&I) together equal the payment amount. APR = Annual Percentage Rate. APRs listed are effective as of 12/01/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Term (Years) 5	Rate 8.25%	Pre-Paid Finance Charge² $571.53	APR² 9.21%	P&I Payment³ $509.91
Term (Years) 10	Rate 8.50%	Pre-Paid Finance Charge² $580.08	APR² 9.03%	P&I Payment³ $309.96
Term (Years) 15	Rate 8.80%	Pre-Paid Finance Charge² $590.35	APR² 9.20%	P&I Payment³ $250.60
Term (Years) 20	Rate 9.88%	Pre-Paid Finance Charge² $614.20	APR² 10.23%	P&I Payment³ $239.27

Up to $500 Credit for All Home Equity Products*
Loan Paid Off In	% Of Closing Cost Reimbursed to RadiFi by the Borrower
* All rates include up to $500 credit toward closing costs. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years. Closing cost fees may range from $400 to $2,000 or more based on the size of your loan. These fees are shown on the addendum to your note. Here is a list of the standard closing cost fees. Flood Certification: $16.00 Recording of Deed: $159.25 to $200.00 Electronic Document: $60.00 Tax Service: $78.00 Appraisal Fee: $65 fee for loans under $100,000 and under $575 fee for loans over $100,000 *Higher appraisal fees may apply on a case-by-case basis. Full appraisals are needed for loans over $100,000 and for LTVs above 90%.* Title Fees: Title Search Fee: $102.50 for loans under $200,000 Title Policy Fee: If over $200,000, the fee varies based on the loan amount. State of Florida Documentary Stamps: .0035 times the loan amount. APR = Annual Percentage Rate. APRs listed are effective as of 09/23/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Loan Paid Off In Less than 12 Month	% Of Closing Cost Reimbursed to RadiFi by the Borrower 100%
Loan Paid Off In Less than 24 Months	% Of Closing Cost Reimbursed to RadiFi by the Borrower 50%
Loan Paid Off In Less than 36 Months	% Of Closing Cost Reimbursed to RadiFi by the Borrower 25%

Home Equity Lines of Credit (Variable Rate)¹
Loan to Value Ratio	Index Rate⁴	Margin	Index Plus Margin	APR²
¹ We offer a quick turnaround, up to $500 credit toward closing costs, an Annual Rate Cap² that provides extra peace of mind, 8-year Draw Period, Low Margins over the Index Rate. Make sure to use your line of credit as inactivity fees³ apply! Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal. Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term ² Annual Percentage Rate. ³$50 annual inactivity fee in January when prior YTD finance charges were less than $100. ⁴ Index: Variable rate subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year. Displayed rate for borrowers with excellent credit. Other rates and terms are available. The rate and APR are the same. The actual rate is the greater of the current index rate plus the margin or the minimum rate (floor). The minimum rate is 3.25%. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $217. APR = Annual Percentage Rate. APRs listed are effective as of 12/03/2024 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.
Loan to Value Ratio 0-80%	Index Rate⁴ 7.75%	Margin 0.00%	Index Plus Margin 7.75%	APR² 7.75%
Loan to Value Ratio 81-90%	Index Rate⁴ 7.75%	Margin 0.25%	Index Plus Margin 8.00%	APR² 8.00%

Example only $25,000 Home Equity Line of Credit with Variable Rate of 7.75%
Payment	Remaining Term	Time of Advance
First liens may require escrow of taxes and insurance which will increase the payment amount.
Payment $205	Remaining Term 20 Years	Time of Advance At initial advance
Payment $267	Remaining Term 12 Years	Time of Advance End of draw period (max 8 years)

Make Waves with RadiFi:

RadiFi isn’t just about banking; it’s about empowering you to live vibrantly and achieve your dreams. When you choose RadiFi, you’re choosing a credit union that values relationships, empathy, and bold, innovative solutions. Join us and experience the difference in banking with a community-driven organization that truly cares.

Become a Member

***HELOC Introductory Promotion Disclosure:

80% LTV, 20 Years: 8-year draw, 12-year repayment. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $152.

This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of November 15, 2024, for loan applications submitted by January 31, 2025, and loan must be closed and funded by March 30, 2025 to receive introductory APR. A variable rate APR will apply based upon credit score and loan-to-value after June 30, 2025. The variable rate is subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year.