Mother and child looking at paperwork and a computer together

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.

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 02/01/2025 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.

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

RADIFI RESOURCES

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

Girl at Computer

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

Young couple moving

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

Happy Dad and Daughter

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

GET STARTED TODAY

Join RadiFi to apply for a loan.

Open a New Account
Get started online
Call Us
904-475-8000
SVG linear gradient