Personal > Checking & Savings > Savings

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Savings Accounts

Save today for tomorrow’s dreams.

Open an AccountSchedule an Appointment

It’s Less About Numbers And More About Peace Of Mind

A RadiFi Savings Account is the foundation of your future financial success.

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DIGITAL BANKING & BILLPAY

Gain full control over your money.

Go online and pay bills, check balances, transfer money, and much more for free.

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MOBILE BANKING

Money is mobile and so are you.

Take full advantage of our app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.

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NO CHARGE FOR TRANSACTIONS

We’re here for you.

That’s why we we won’t charge you for transactions completed in a branch, through our Contact Center, or CO-OP Shared Branches.

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SURCHARGE FREE ATMS NATIONWIDE

Convenient access. Everywhere.

A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.

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5,000 SHARED BRANCHING LOCATIONS

Full service isn’t limited to your hometown.

Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.

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DIRECT DEPOSIT

Skip the trip and the paperwork.

Direct Deposit allows paychecks to be deposited electronically into your account.

Your Savings Accounts Options At A Glance

A penny saved is a penny earned. Start today.

  • BEST IF YOU WANT TO:

    BEST IF YOU WANT TO:

  • OPENING BALANCE

    OPENING BALANCE

  • MINIMUM BALANCE TO EARN DIVIDENDS

    MINIMUM BALANCE TO EARN DIVIDENDS

  • FEES

    FEES

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

  • FREE MONTHLY STATEMENTS

    FREE MONTHLY STATEMENTS

SAVINGS

  • BEST IF YOU WANT TO:

    Establish membership

  • OPENING BALANCE

    $10.00

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $5.00 monthly fee (waived with $100.00 min balance or other conditions1)

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

YOU-NAME-IT SAVINGS

  • BEST IF YOU WANT TO:

    Save for someone or something

  • OPENING BALANCE

    $0

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $0

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

HOLIDAY SAVINGS

  • BEST IF YOU WANT TO:

    Save for holiday expenses

  • OPENING BALANCE

    $0

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $100.00

  • FEES

    $10 fee for early withdrawals

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

    YES

  • FREE MONTHLY STATEMENTS

    YES, ESTATEMENTS OR MAILED

YOUTH SAVINGS

  • BEST IF YOU WANT TO:

    Start a child’s savings habit

  • OPENING BALANCE

    $5.00

  • MINIMUM BALANCE TO EARN DIVIDENDS

    $5.00

  • FEES

    $0

  • DEBIT CARD AVAILABLE WITH CHECKING ACCOUNT

  • FREE MONTHLY STATEMENTS

OPEN AN ACCOUNT

Savings Accounts Rates

Savings Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs stated are effective as of 11/1/2025 and subject to change at any time without notice.

Account

Regular Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

Account

Youth Savings

Minimum balance to earn dividends

$5

Dividend Rate

0.0995%

Annual Percentage Yield*

1.00%

Account

Holiday Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

Account

You-Name-It (Secondary) Savings

Minimum balance to earn dividends

$100

Dividend Rate

0.099%

Annual Percentage Yield*

0.100%

OUR MEMBERS EMPOWER US

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

Very friendly personalized attention. I opened a small account and was treated as though I actually had real money. Great folks that seemed to know the regular customers by name as well as welcoming to new folks as part of the family.

— Don G., Member

All Your Burning Questions Answered

Members with savings-only accounts receive quarterly statements. Sign up for direct deposit, eStatements, or get a checking account to receive monthly statements.

As of January 1, 2012, paper savings bonds are no longer sold at financial institutions. Please visit www.treasurydirect.gov to purchase savings bonds.

Please view/download our Fiduciary Accounts Brochure for more information regarding:

  • Representative Payee Accounts
  • Estate Accounts
  • Guardianship Accounts
  • Trust Accounts

To open an account titled in the name of a trust, you will need to complete a Trust Account Agreement and provide a copy of the first page showing how the trust should be titled, a copy of the page designating the trustees, and the page naming the successors.

Your paycheck can be electronically deposited into your RadiFi Credit Union account.
Download our Direct Deposit Authorization

  • Direct Deposit Information:
    ◦ http://www.socialsecurity.gov
    ◦ Dial Direct Deposit for SSA and SSI: (800) 772-1213
  • RadiFi’s “Routing Transit Number” is 263079234. We’ll be glad to give you the account numbers you need to take to your employer.

Your complete “Account Number” for electronic processing should total 13-digits, ex: for a deposit into your checking account the account number would be similar to: 10200000XXXXX, though the first three digits could be different depending on your share ID, and where the last 5 ‘X’s are your account number.

For a deposit into your savings account the account number would be: 10100000XXXXX). Note: If you have a 6-digit account number, then you would only have 4 ‘0000’s between the three initial numbers and your account number. You must enter the complete Account Number for your direct deposit to accurately post to the correct account.

IRA Contribution Forms Mail to members in May

If you currently have an Individual Retirement Account (IRA) at RadiFi, you should be receiving a Form 5498 in the month of May. The form, submitted to the Internal Revenue Service by the Credit Union, reports your IRA contributions for the previous year.
When you receive Form 5498, we ask that you review the reported information carefully. If you see an error, please contact us immediately.

Why invest in an IRA? They offer big tax advantages. Just ask your tax advisor.

Traditional IRA -contributions essentially lower your gross income for tax purposes. In other words, you may get to deduct the amount of your contribution from your gross income before you figure your taxes, lowering your tax bill. Taxes are deferred on Traditional IRAs until retirement (after 59 ½), when you may be in a lower tax bracket.

Roth IRAs –contributions are made with after-tax dollars, so your earnings grow tax-free. If you anticipate you’ll be in a high-income tax bracket after retirement, the Roth IRA may be one way to provide some tax-free income provided you satisfy the qualified distribution requirements.

Want to learn more about IRAs? We’re ready to help! Visit any RadiFi branch, call us at (904) 475-8000 or visit Individual Retirement Accounts (IRAs).

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

There’s Even More To Check Out…

Debit Cards

Be ready for anything at any time.

Our Visa Debit Cards are a safe and powerful tool for accessing your money on-the-go.

 

Explore Our Debit Cards

Youth Savings Accounts

A stress-free future starts with a strong foundation.

Our Youth Savings build both balances and good habits.

 

Explore Youth Savings

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Open A Savings Account Today

Opening a savings account establishes your membership and a better relationship with your money.

Open a New Account
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904-475-8000
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Disclosures

1This fee is also waived if you have any other accounts with RadiFi, or if the primary account holder is under 18 or over 50.

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