Line of Credit

For those who like to be ready for anything.

Empowering and easy to use

Discover RadiFi’s flexible line of credit, providing convenient access to funds whenever you need them. With competitive rates and flexible repayment options, RadiFi helps you take control of your finances. Apply for a RadiFi line of credit today!

Revolving or Open-Ended

We’ll be there when you need us.

Your line of credit is available on an ongoing basis.

True Payment Power

Meet any challenge with confidence.

Additional advances on your credit line are permitted, not to exceed the credit limit set by RadiFi.

Easy Application

Count on a fast and easy application process at RadiFi.

Members also enjoy convenient access to funds via Digital Banking.

Rates

Lines of Credit
Loan Type	Payment Terms	Annual Percentage Rate*	Estimated Payment per $1,000 Borrowed
^*APR = Annual Percentage Rate. APRs are effective as of 8/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.
Loan Type Line of Credit	Payment Terms 2% of balance	Annual Percentage Rate* 14.75%	Estimated Payment per $1,000 Borrowed $22.50
Loan Type Overdraft Line of Credit	Payment Terms $65.00/month	Annual Percentage Rate* 17.75%	Estimated Payment per $1,000 Borrowed $65.00

CRUNCH YOUR NUMBERS

Our free calculators let you hone in on the best financial strategy for any situation.

*The information provided by these calculators is for illustrative purposes only and accuracy is not guaranteed. The values shown are hypothetical and may not be applicable to your individual situation or guarantee extension of credit. Be sure to consult a financial professional prior to relying on the results.

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

I have been a member of JAXFCU (now RadiFi) for over 20 years. Throughout the years, JAXFCU has seen me at my worst and best financial health. They have always communicated with me in a prompt and professional manner. I live in a different state now, but I still bank with JAXFCU because we have such a strong foundation

— Monika C., Member

ALL YOUR BURNING QUESTIONS ANSWERED

You can set up same-day, future-dated and automatic recurring funds transfers. The payment must be completed by your due date but not earlier than 30 days in advance.

Example: Your due date is May 31st; you cannot make your payment before May 1st. If your due date is May 15th, you cannot make your payment before April 16th.

Check out our Digital Banking guides on how to set these up your preferred way:

Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.

Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.

Check out our Digital Banking guides on how to set these up your preferred way:

Not finding what you’re looking? See all our FAQs.

There’s Even More To Check Out…

Credit Cards

You deserve some credit.

Our line of credit cards empower you with fair and transparent terms that generate rewards for the spending that you do every day.

Explore our Credit Cards

Savings Accounts

Your goals are within reach.

Our Savings Accounts establish your membership with us and launch your journey towards achieving your financial goals.

Discover our Savings Accounts

RADIFI RESOURCES

Explore our blog for the latest credit union news, practical advice, and financial tips.

Teen holding phone with online banking on the screen.

How a Teen Checking Account Helps Build Smart Money Habits

Discover the benefits of a teen checking account, including budgeting, spending awareness, and financial literacy. Learn how teens can build smart money habits with real-world banking experience. Read More

Why Finance Your Car Through a Local Credit Union?

Financing your vehicle through a neighborhood credit union can give you more control before you visit the dealership. Learn how arranging financing in advance works, what to expect while shopping and when refinancing your current auto loan may make sense. Read More

RadiFi Youth Savings Account $50 New Account Promotion

5 Benefits of Opening a Youth Savings Account for Your Child

A youth savings account can help your child learn how to set goals, make thoughtful money decisions and build healthy financial habits. Explore the benefits of starting early and learn about RadiFi’s limited-time $50 Youth Account Offer. Read More

Visit our blog

APPLY ONLINE FOR A LINE OF CREDIT TODAY

Apply and sign for a Line of Credit online via an entirely digital process.

Apply for a Loan

Get started online

Call Us

904-475-8000

Meet Us

Find your nearest branch