Mother and child looking at paperwork and a computer together

Share Secured Loan

Take the first step towards building a better credit history.

Apply TodayJoin RadiFi

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.

Thumbs Up class=”wrapper”>

Simple To Use

Use your balance from a Savings Account or Share Certificate as collateral. Funds are released as you make payments.

Document class=”wrapper”>

Transparent Terms

Share Secured and Certificate Secured Loans allow for up to 90% loan amount/balance.

Computer class=”wrapper”>

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

Share and Certificate Secured Personal Loans

Loan Type

Annual Percentage Rate*

*APR = Annual Percentage Rate. APRs are effective as of 10/1/2026 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.

** 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.

Called 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.

— Joe S., Member

ALL YOUR BURNING QUESTIONS ANSWERED

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:

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:

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

THERE’S EVEN MORE TO CHECK OUT…

CREDIT CARDS

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

YOUTH SAVINGS ACCOUNTS

A stress-free future starts with a strong foundation. Our Youth Savings build both balances and good habits.

Discover Youth Savings

RADIFI RESOURCES

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

Ducote Federal Credit Union

Ducote Federal Credit Union: A Jacksonville Legacy That Lives On at RadiFi Credit Union

For nearly eight decades, Ducote Federal Credit Union served Jacksonville educators, families and the local community. Explore its history, its roots in Durkeeville and how its legacy continues today through RadiFi Credit Union. Read More

Person reviewing options for where to keep savings and extra cash

Where Should I Put My Money? Smart Savings Options

Have extra cash sitting in checking or savings? Learn how to decide where to keep your money based on access, timing, earning potential and your financial goals. Read More

Savings Jar

Finding Stability in a Volatile Market: 3 Ways to Put Your Cash to Work

When markets are volatile, the cash portion of your finances can provide valuable stability. Learn how CDs, money market accounts and high-yield checking can help you earn more while balancing access, predictability and flexibility. Read More

Visit our blog

GET STARTED TODAY

Join RadiFi to apply for a loan.

Open a New Account
Open in Minutes
Call Us
904-475-8000
Meet Us
Find your nearest branch
Back to top
SVG linear gradient