
Share Secured Loan
Take the first step towards building a better credit history.
EARN THE POSITIVE REPUTATION THAT YOU DESERVE
Use your Savings (Share) Account or Share Certificate to borrow money and prove that you’re the smart bet for lenders.
Utilize your savings as collateral to access affordable loan options with flexible terms. Apply now and unlock the benefits of RadiFi’s Share Secured Loan.
Simple To Use
Use your balance from a Savings Account or Share Certificate as collateral. Funds are released as you make payments.
Transparent Terms
Share Secured and Certificate Secured Loans allow for up to 90% loan amount/balance.
Easy Application
Easily apply online, at a RadiFi branch, or call us at 904-475-8000. Non-member applications welcome.
Share and Certificate Secured Loan Rates
Loan Type |
Annual Percentage Rate* |
---|---|
*APR = Annual Percentage Rate. APRs are effective as of 05/01/2025 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. ** Certificate secured loan rates are 3% above the dividend rate paid on the certificate. The maximum term on a certificate secured loan must be such that the final payment does not exceed the maturity date for the certificate. There is a maximum of 1 loan per certificate and 3 certificate loans per member. |
|
Loan Type Share Secured (3-60 Month Term) |
Annual Percentage Rate* Share Rate 2.00% |
Loan Type Certificate Secured |
Annual Percentage Rate* Certificate Rate 3.00% |
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.
— Joe S., MemberCalled today to apply for a loan over the phone. I was very surprised how quickly the process was handled by my loan agent. She was very knowledgable, very professional, and customer friendly. Great job.
RADIFI RESOURCES
Explore our blog for the latest credit union news, practical advice, and financial tips.

Protect Credit Unions | RadiFi Joins the Don’t Tax My CU Campaign
RadiFi proudly supports the Don’t Tax My Credit Union movement. Discover how we’re advocating for financial fairness and empowering our members every day. Read More

RadiFi Credit Union Membership Nationwide
RadiFi Credit Union has always been about doing things differently — bold banking that puts people first, not profits. And now, we’re excited to announce a partnership that makes it even easier for more people to join the RadiFi movement. We’ve teamed up with the American Consumer Council (ACC) — a nonprofit that champions financial…

Florida Drivers’ Guide: 10 Best Fuel-Efficient Cars Under $30K (Beat the Gas Prices!)
Tariffs and What This Means for Auto Loan Financing Recent policy changes have proposed a 25% tariff on imported vehicles and parts, potentially raising prices significantly. Experts suggest that if you’re in the market for a new car and find one you like, it’s wise to buy it right away. These tariffs could push prices…
GET STARTED TODAY
Join RadiFi to apply for a loan.