Mother and child looking at paperwork and a computer together

Share Secured Loan

Take the first step towards building a better credit history.


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 03/01/2024 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%


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.


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


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

An image of a wave of money showing how does a money market account work.

How Does a Money Market Account Work? Dive Into a Wave of Savings

In today’s financial landscape, finding the right place to park your savings can feel like navigating through a sea of endless options. Yet, amidst the vast ocean of possibilities, one beacon shines brightly for those seeking both growth and flexibility in their savings strategy: the money market account (MMA). RadiFi Credit Union’s Tidal Wave Money…

Young couple moving

Exploring the Realm of Traditional Mortgages

When it comes to purchasing a home, navigating the complex world of mortgages can be a daunting task. Among the myriad options available, the conventional mortgage stands out as one of the most common and straightforward choices for many homebuyers. In this guide, we’ll delve into the nuances of conventional mortgages, exploring what sets them…

Our First Home

The Fundamentals of Home Financing

Embark on your homeownership journey fully equipped with the essential knowledge of home financing. From navigating mortgage basics to optimizing credit scores, our comprehensive guide empowers you to make informed decisions. Explore insights on down payments, loan pre-approval, and the various types of mortgages. Learn how to manage closing costs, consider refinancing opportunities, and ensure your monthly payments align with your financial goals. Safeguard your investment with homeowners insurance and discover the keys to a successful and fulfilling homeownership experience. Read More


Join RadiFi to apply for a loan.

Open a New Account
Get started online
Call Us
SVG linear gradient