personal rates

Personal Rates

Checking Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Rates are subject to change without notice. Dividends are credited monthly. Fees could reduce earnings on these accounts. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Account

Extreme Checking

Minimum balance to earn dividends

$0-$5,000

Dividend Rate

0.747%

Annual Percentage Yield*

0.750%

Account

Extreme Checking

Minimum balance to earn dividends

$5,001

Dividend Rate

0.049%

Annual Percentage Yield*

0.050%

Account

Interest Checking

Minimum balance to earn dividends

$2,500

Dividend Rate

0.050%

Annual Percentage Yield*

0.050%

Account

Free Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

Account

Teen Checking

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

Learn more about our Checking Accounts and open an account

Savings Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Rates are subject to change without notice. Dividends are credited monthly. Fees could reduce earnings on these accounts. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

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 Club

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%

Learn more about our Savings Accounts and open an account

IRAs

Account

Minimum balance to earn dividends

Dividend rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Rates are subject to change without notice. Dividends are credited monthly. Fees could reduce earnings on these accounts. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Account

Traditional/Roth IRA

Minimum balance to earn dividends

$100

Dividend rate

0.099%

Annual Percentage Yield*

0.100%

Account

Coverdell ESA

Minimum balance to earn dividends

$5

Dividend rate

0.099%

Annual Percentage Yield*

0.100%

Learn more about our IRAs and open an account

Regular Money Market Account Rates

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. Rates are current as of September 26, 2023 and are subject to change at any time without notice. Minimum opening deposit is $2,500.

Minimum balance to earn dividends

$100-$2,499

Dividend Rate

0.399%

Annual Percentage Yield*

0.40%

Minimum balance to earn dividends

$2,500

Dividend Rate

0.747%

Annual Percentage Yield*

0.75%

Minimum balance to earn dividends

$10,000

Dividend Rate

0.847%

Annual Percentage Yield*

0.85%

Minimum balance to earn dividends

$25,000

Dividend Rate

1.045%

Annual Percentage Yield*

1.05%

Minimum balance to earn dividends

$50,000

Dividend Rate

1.094%

Annual Percentage Yield*

1.10%

Minimum balance to earn dividends

$100,000

Dividend Rate

1.193%

Annual Percentage Yield*

1.20%

Learn more about our Money Market Accounts and open an account

Tidal Wave Money Market Account Rates

If Average Daily Balance Is:

DIVIDEND RATE

ANNUAL PERCENTAGE YIELD*

*APY = Annual Percentage Yield. Rates are current as of September 26, 2023, and are subject to change at any time without notice. Our RadiFi Tidal Wave Money Market Account requires a minimum deposit of $2,500, and 50% of the opening balance must come from funds not currently on deposit at RadiFi Credit Union. 50% of the Funds cannot be transferred from any RadiFi account through ACH or internally. To fund, please call 800-443-2664 or visit a RadiFi Member Success Associate at any of our seven RadiFi branches.

If Average Daily Balance Is:

$100.00 – $99,999.99

DIVIDEND RATE

0.39%

ANNUAL PERCENTAGE YIELD*

0.40%

If Average Daily Balance Is:

$100,000 – $249,999.99

DIVIDEND RATE

1.834%

ANNUAL PERCENTAGE YIELD*

1.85%

If Average Daily Balance Is:

$250,000 – $499,999.99

DIVIDEND RATE

2.031%

ANNUAL PERCENTAGE YIELD*

2.05%

If Average Daily Balance Is:

$500,000 – $999,999.99

DIVIDEND RATE

2.129%

ANNUAL PERCENTAGE YIELD*

2.15%

If Average Daily Balance Is:

$1,000,000 and up

DIVIDEND RATE

2.325%

ANNUAL PERCENTAGE YIELD*

2.35%

Learn more about our Money Market Accounts and open an account

Learn about our Certificate options and open an account

AWESOME Share Certificates

 

3 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$2,500-$24,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$25,000-$49,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$50,000-$99,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$100,000

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

 

6 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$2,500-$24,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$25,000-$49,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$50,000-$99,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$100,000

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

 

13 Month Share Certificate Special

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. Truth and Savings Disclosure.

Minimum balance to earn dividends

$2,000-$49,999

Dividend Rate

4.362%

Annual Percentage Yield*

4.45%

Minimum balance to earn dividends

$50,000

Dividend Rate

4.458%

Annual Percentage Yield*

4.55%

 

23 Month Share Certificate Special

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay. Truth & Savings Disclosure.

Minimum balance to earn dividends

$2,000-$49,999

Dividend Rate

4.410%

Annual Percentage Yield*

4.50%

Minimum balance to earn dividends

$50,000

Dividend Rate

4.554%

Annual Percentage Yield*

4.65%

 

 

IRA and Regular Share Certificates

 

3 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$2,500-$24,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$25,000-$49,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$50,000-$99,999

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

Tiered Structure

$100,000

Dividend Rate

4.169%

Annual Percentage Yield*

4.25%

 

6 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$2,500-$24,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$25,000-$49,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$50,000-$99,999

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

Tiered Structure

$100,000

Dividend Rate

4.889%

Annual Percentage Yield*

5.00%

 

12 Month Term Certificate


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.


Tiered Structure

$500-$2,499

Dividend Rate

2.618%

Annual Percentage Yield*

2.65%


Tiered Structure

$2,500-$24,999

Dividend Rate

2.667%

Annual Percentage Yield*

2.70%


Tiered Structure

$25,000-$49,999

Dividend Rate

2.716%

Annual Percentage Yield*

2.75%


Tiered Structure

$50,000-$99,999

Dividend Rate

2.813%

Annual Percentage Yield*

2.85%


Tiered Structure

$100,000

Dividend Rate

2.960%

Annual Percentage Yield*

3.00%

 

18 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

2.667%

Annual Percentage Yield*

2.70%

Tiered Structure

$2,500-$24,999

Dividend Rate

2.716%

Annual Percentage Yield*

2.75%

Tiered Structure

$25,000-$49,999

Dividend Rate

2.765%

Annual Percentage Yield*

2.80%

Tiered Structure

$50,000-$99,999

Dividend Rate

2.862%

Annual Percentage Yield*

2.90%

Tiered Structure

$100,000

Dividend Rate

3.008%

Annual Percentage Yield*

3.05%

 

24 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

2.862%

Annual Percentage Yield*

2.90%

Tiered Structure

$2,500-$24,999

Dividend Rate

2.911%

Annual Percentage Yield*

2.95%

Tiered Structure

$25,000-$49,999

Dividend Rate

2.960%

Annual Percentage Yield*

3.00%

Tiered Structure

$50,000-$99,999

Dividend Rate

3.008%

Annual Percentage Yield*

3.05%

Tiered Structure

$100,000

Dividend Rate

3.057%

Annual Percentage Yield*

3.10%

 

30 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

3.154%

Annual Percentage Yield*

3.20%

Tiered Structure

$2,500-$24,999

Dividend Rate

3.251%

Annual Percentage Yield*

3.30%

Tiered Structure

$25,000-$49,999

Dividend Rate

3.300%

Annual Percentage Yield*

3.35%

Tiered Structure

$50,000-$99,999

Dividend Rate

3.348%

Annual Percentage Yield*

3.40%

Tiered Structure

$100,000

Dividend Rate

3.397%

Annual Percentage Yield*

3.45%

 

36 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

3.203%

Annual Percentage Yield*

3.25%

Tiered Structure

$2,500-$24,999

Dividend Rate

3.251%

Annual Percentage Yield*

3.30%

Tiered Structure

$25,000-$49,999

Dividend Rate

3.300%

Annual Percentage Yield*

3.35%

Tiered Structure

$50,000-$99,999

Dividend Rate

3.348%

Annual Percentage Yield*

3.40%

Tiered Structure

$100,000

Dividend Rate

3.397%

Annual Percentage Yield*

3.45%

 

48 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

3.251%

Annual Percentage Yield*

3.30%

Tiered Structure

$2,500-$24,999

Dividend Rate

3.300%

Annual Percentage Yield*

3.35%

Tiered Structure

$25,000-$49,999

Dividend Rate

3.348%

Annual Percentage Yield*

3.40%

Tiered Structure

$50,000-$99,999

Dividend Rate

3.397%

Annual Percentage Yield*

3.45%

Tiered Structure

$100,000

Dividend Rate

3.445%

Annual Percentage Yield*

3.50%

 

60 Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$500-$2,499

Dividend Rate

3.300%

Annual Percentage Yield*

3.35%

Tiered Structure

$2,500-$24,999

Dividend Rate

3.348%

Annual Percentage Yield*

3.40%

Tiered Structure

$25,000-$49,999

Dividend Rate

3.397%

Annual Percentage Yield*

3.45%

Tiered Structure

$50,000-$99,999

Dividend Rate

3.445%

Annual Percentage Yield*

3.50%

Tiered Structure

$100,000

Dividend Rate

3.494%

Annual Percentage Yield*

3.55%

 

Personal Goal Savings Certificates

 

Short Term Variable Rate Certificates (12 or 18 month term)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$0.01-$500

Dividend Rate

0.499%

Annual Percentage Yield*

0.50%

Tiered Structure

$501-$1,000

Dividend Rate

0.598%

Annual Percentage Yield*

0.60%

Tiered Structure

$1,001-$1,500

Dividend Rate

0.747%

Annual Percentage Yield*

0.75%

 

Longer-Term Variable Rate Certificates (36 month/3 year or 60 month/5 year terms)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*Annual Percentage Yield is effective September 26, 2023. Advertised rates are subject to change without notice. Dividends are credited monthly. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

Tiered Structure

$0.01 to $2,500

Dividend Rate

0.747%

Annual Percentage Yield*

0.75%

Tiered Structure

$2,501-$5,000

Dividend Rate

0.847%

Annual Percentage Yield*

0.85%

Tiered Structure

$5,001-$7,500

Dividend Rate

0.896%

Annual Percentage Yield*

0.90%

Tiered Structure

$7,501-$10,000

Dividend Rate

0.995%

Annual Percentage Yield*

1.00%

 

New Auto, Van, Pickup, SUV (2022-2023, less than 7,000 miles)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 79-84 months: $25K minimum.

Term

0-48 Months

APR1 as low as

6.69%

Estimated Payment per $1,000 Borrowed

$23.80

Term

49-66 Months

APR1 as low as

6.94%

Estimated Payment per $1,000 Borrowed

$18.27

Term

67-78 Months

APR1 as low as

7.24%

Estimated Payment per $1,000 Borrowed

$16.11

Term

79-84 Months2

APR1 as low as

7.99%

Estimated Payment per $1,000 Borrowed

$15.58

Learn more about new auto loans and apply for a loan

 

Used Auto, Van, Pickup, SUV² (2016-2023, greater than 7,001 miles)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 Mileage could affect maximum term allowed. Max mileage is 150,000.

3 67-78 Months: $15K minimum.

4 79-84 Months: $25K minimum.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.

Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.

Visit your local RadiFi branch or contact us for more detailed information:
(904) 475-8000 – Member Engagement Center
(800) 443-2664 – Toll-free

Term

0-48 Months

APR1 as low as

7.09%

Estimated Payment per $1,000 Borrowed

$23.99

Term

49-66 Months

APR1 as low as

7.34%

Estimated Payment per $1,000 Borrowed

$18.46

Term

67-78 Months3

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$16.36

Term

79-84 Months4

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$15.84

Learn more about used auto loans and apply for a loan

 

Older Used Auto (2013-2015, less than 150,000 miles)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

Term

0-48 Months

APR1 as low as

9.59%

Estimated Payment per $1,000 Borrowed

$25.17

Term

49-60 Months

APR1 as low as

9.84%

Estimated Payment per $1,000 Borrowed

$21.17

 

Classic Cars²

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.

3 60-72 Months: $20K minimum.

Term

0-48 Months

APR1 as low as

10.09%

Estimated Payment per $1,000 Borrowed

$25.41

Term

49-60 Months

APR1 as low as

10.34%

Estimated Payment per $1,000 Borrowed

$21.41

Term

60-72 Months3

APR1 as low as

10.59%

Estimated Payment per $1,000 Borrowed

$18.82

 

New Motorcycles (2022 – 2023)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 72 months: $20K minimum.

Term

48 Months

APR1 as low as

6.75%

Estimated Payment per $1,000 Borrowed

$23.83

Term

60 Months

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$19.80

Term

72 Months2

APR1 as low as

7.25%

Estimated Payment per $1,000 Borrowed

$17.17

Learn more about motorcycle loans and apply for a loan

 

Used Motorcycles (2018 – 2022)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

Term

36 Months

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$31.22

Term

48 Months

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$24.41

Term

60 Months

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$20.40

Learn more about motorcycle loans and apply for a loan

 

New Boats (2022-23, under 31′ in length)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 72 Months: $20K minimum.

3 84-108 Months: $30K minimum.

4 120-180 Months: $50K minimum.

 

Term

48 Months

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$23.95

Term

60 Months

APR1 as low as

7.25%

Estimated Payment per $1,000 Borrowed

$19.92

Term

72 Months2

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$17.29

Term

84 Months3

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$15.46

Term

96 Months3

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$14.14

Term

108 Months3

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$13.15

Term

120 Months4

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$12.40

Term

180 Months4

APR1 as low as

8.75%

Estimated Payment per $1,000 Borrowed

$9.99

Learn more about boat loans and apply for a loan

 

Used Boats (2018-22, under 31’ in length)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 72 Months: $20K minimum.

3 84 Months: $30K minimum.

4 96 Months: $50K minimum.

Term

36 Months

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$31.22

Term

48 Months

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$24.41

Term

60 Months

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$20.40

Term

72 Months2

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$17.78

Term

84 Months3

APR1 as low as

8.75%

Estimated Payment per $1,000 Borrowed

$15.96

Term

96 Months4

APR1 as low as

9.00%

Estimated Payment per $1,000 Borrowed

$14.65

Learn more about boat loans and apply for a loan

 

New Motorhomes (2022-2023)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 84-120 Months: $30K minimum.

3 144-180 Months: $50K minimum.

Term

60 Months

APR1 as low as

6.25%

Estimated Payment per $1,000 Borrowed

$19.45

Term

72 Months

APR1 as low as

6.50%

Estimated Payment per $1,000 Borrowed

$16.81

Term

84 Months2

APR1 as low as

6.75%

Estimated Payment per $1,000 Borrowed

$14.97

Term

96 Months2

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$13.63

Term

108 Months2

APR1 as low as

7.25%

Estimated Payment per $1,000 Borrowed

$12.63

Term

120 Months2

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$11.87

Term

144 Months3

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$10.69

Term

180 Months3

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$9.56

 

Learn more about RV Loans and apply for a loan 

 

Used Motorhomes (2017-2021, max 120 month term)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 84-120 Months: $30K minimum.

Term

60 Months

APR1 as low as

7.25%

Estimated Payment per $1,000 Borrowed

$19.92

Term

72 Months

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$17.29

Term

84 Months2

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$15.46

Term

96 Months2

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$14.14

Term

108 Months2

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$13.15

Term

120 Months2

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$12.40

 

Learn more about RV Loans and apply for a loan 

 

New Toy (Recreational Vehicles) Loans² (2022-2023)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 Includes titled four-wheelers/All Terrain Vehicles (ATVs) and dirt bikes, jet skis, and towable campers.

3 72 Months: $20K minimum.

4 84-108 Months: $30K minimum

5 120-180 Months: $50K minimum.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.

Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.

Term

48 Months

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$23.95

Term

60 Months

APR1 as low as

7.25%

Estimated Payment per $1,000 Borrowed

$19.92

Term

72 Months3

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$17.29

Term

84 Months4

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$15.46

Term

96 Months4

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$14.14

Term

108 Months4

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$13.15

Term

120 Months5

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$12.40

Term

180 Months5

APR1 as low as

8.75%

Estimated Payment per $1,000 Borrowed

$9.99

Learn more about Toy (Recreational Vehicle) Loan and apply for a loan

 

Used Toy (Recreational Vehicle) Loans² (2018-2022)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

2 Includes titled four-wheelers/All Terrain Vehicles (ATVs) and dirt bikes, jet skis, and towable campers.

3 72 Months: $20K minimum.

4 84 Months: $30K minimum.

5 96 Months: $50K minimum.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.

Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.

Term

36 Months

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$31.22

Term

48 Months

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$24.41

Term

60 Months 

APR1 as low as

8.25%

Estimated Payment per $1,000 Borrowed

$20.40

Term

72 Months3

APR1 as low as

8.50%

Estimated Payment per $1,000 Borrowed

$17.78

Term

84 Months4

APR1 as low as

8.75%

Estimated Payment per $1,000 Borrowed

$15.96

Term

96 Months5

APR1 as low as

9.00%

Estimated Payment per $1,000 Borrowed

$14.65

Learn more about Toy (Recreational Vehicle) Loan and apply for a loan

Mortgages

Check our latest rates on our Mortgage Center

 

Up to $500 credit for all home equity products

Up to $500 Credit for All Home Equity Products*

Loan Paid Off In

% Of Closing Cost Reimbursed to RadiFi by the Borrower

* All rates include up to $500 credit toward closing costs. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years.

Closing cost fees may range from $400 to $2,000 or more based on the size of your loan. These fees are shown on the addendum to your note. Here is a list of the standard closing cost fees.

Flood Certification: $16.00
Recording of Deed: $159.25 to $200.00
Electronic Document: $30.00
Tax Service: $78.00
Appraisal Fee:

  • $65 fee for loans under $100,000 and under
  • $575 fee for loans over $100,000

Higher appraisal fees may apply on a case-by-case basis. Full appraisals are needed for loans over $100,000 and for LTVs above 90%.

Title Fees:

  • Title Search Fee: $102.50 for loans under $200,000
  • Title Policy Fee: If over $200,000, the fee varies based on the loan amount.

State of Florida Documentary Stamps: .0035 times the loan amount.

Rates are effective as of July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice. Full appraisals required for loans over $100,000.

Loan Paid Off In

Less than 12 Month

% Of Closing Cost Reimbursed to RadiFi by the Borrower

100%

Loan Paid Off In

Less than 24 Months

% Of Closing Cost Reimbursed to RadiFi by the Borrower

50%

Loan Paid Off In

Less than 36 Months

% Of Closing Cost Reimbursed to RadiFi by the Borrower

25%

 

Home Equity Loans

First Lien Home Equity Loan 0-80% Loan to Value Ratio¹

Purpose/Limitations

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 When a paid off home is on your horizon, our Fixed-Rate First Lien Home Equity Loan will get you there fast! Minimum loan amount is $50,000, Maximum amount $250,000. Enjoy our quick turnaround, and up to $500 credit toward closing costs. Loan amounts over $100,000 require a full appraisal. The example is based on a $25,000 loan balance over 10 years.

2 Prepaid Finance Charges paid by the member and affect the Annual Percentage Rate.

3 Escrow for taxes and insurance may be needed and are not included in the principal and interest (P&I) payment amount shown above.

4 Cash out is limited to $2,000.

Rates are effective as of July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice.

Purpose/Limitations

Refinance – No Cash Out4

Term (Years)

10

Rate

7.00%

Pre-Paid Finance Charge2

$556.01

APR2

7.50%

P&I Payment3

$290.27

Purpose/Limitations

Cash Out

Term (Years)

10

Rate

7.50

Pre-Paid Finance Charge2

$562.62

APR2

8.01%

P&I Payment3

$296.75

Learn more about Home Equity Loans and apply for a loan

 

Second Lien Home Equity Loan 0-80% Loan to Value Ratio¹

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available.

2 Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3Principal and Interest (P&I) together equal the payment amount.

Rates are effective as July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice.

Term (Years)

5

Rate

7.75%

Pre-Paid Finance Charge2

$561.43

APR2

8.69%

P&I Payment3

$503.92

Term (Years)

10 

Rate

8.00%

Pre-Paid Finance Charge2

$569.31

APR2

8.52%

P&I Payment3

$303.32

Term (Years)

15 

Rate

8.25%

Pre-Paid Finance Charge2

$578.13

APR2

8.63%

P&I Payment3

$242.54

Term (Years)

20 

Rate

8.50%

Pre-Paid Finance Charge2

$587.45

APR2

8.82%

P&I Payment3

$216.96

Learn more about Home Equity Loans and apply for a loan

 

Second Lien Home Equity Loan 81-90% Loan to Value Ratio¹

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available.

2  Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3 Principal and Interest (P&I) together equal the payment amount.

Rates are effective as of July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice.

Term (Years)

Rate

8.50%

Pre-Paid Finance Charge2

$570.59

APR2

9.47%

P&I Payment3

$512.91

Term (Years)

10 

Rate

8.75%

Pre-Paid Finance Charge2

$579.49

APR2

9.29%

P&I Payment3

$313.32

Term (Years)

15 

Rate

9.00%

Pre-Paid Finance Charge2

$589.37

APR2

9.40%

P&I Payment3

$253.57

Term (Years)

20 

Rate

9.14%

Pre-Paid Finance Charge2

$597.88

APR2

9.47%

P&I Payment3

$227.19

Learn more about Home Equity Loans and apply for a loan

 

Second Lien Home Equity Loan 91-95% Loan to Value Ratio¹ for Home Improvement Only

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Loans over $100,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available.

2 Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3 Principal and Interest (P&I) together equal the payment amount.

Rates are effective as of July 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice.

Term (Years)

Rate

9.75%

Pre-Paid Finance Charge2

$586.07

APR2

10.75%

P&I Payment3

$528.11

Term (Years)

10

Rate

10.00%

Pre-Paid Finance Charge2

$596.88

APR2

10.57%

P&I Payment3

$330.38

Term (Years)

15

Rate

10.25%

Pre-Paid Finance Charge2

$608.66

APR2

10.68%

P&I Payment3

$272.49

Term (Years)

20 

Rate

10.50%

Pre-Paid Finance Charge2

$620.73

APR2

10.87%

P&I Payment3

$249.59

Learn more about Home Equity Loans and apply for a loan

 

Home Equity Line of Credit

Home Equity Lines of Credit (Variable Rate)¹

Loan to Value Ratio

Index Rate4

Margin

Index Plus Margin

APR2

¹ We offer a quick turnaround, up to $500 credit toward closing costs, an Annual Rate Cap2 that provides extra peace of mind, 8-year Draw Period, Low Margins over the Index Rate. Make sure to use your line of credit as inactivity fees3 apply!

  • Line Amount is $10,000 to $250,000 with a $5,000 minimum first advance. Loans over $100,000 require a full appraisal.
  • Draw period is 8 years with a 12-year repayment period. The payment is re-amortized after each advance or rate change based on the remaining months of the original 20-year term

2 Annual Percentage Rate.

3 $50 annual inactivity fee in January when prior YTD finance charges were less than $100.

4 Index: Variable rate subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year. Displayed rate for borrowers with excellent credit. Other rates and terms are available. The rate and APR are the same. The actual rate is the greater of the current index rate plus the margin or the minimum rate (floor). The minimum rate is 3.25%. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $217.

Rates are effective as of August 1, 2023 and are based on creditworthiness and Loan to Value. Rates are subject to change without notice.

Loan to Value Ratio

0-80%

Index Rate4

8.50%

Margin

0.00%

Index Plus Margin

8.50%

APR2

8.50%

Loan to Value Ratio

81-90%

Index Rate4

8.50%

Margin

0.25%

Index Plus Margin

8.75%

APR2

8.75%

 

Example only $25,000 Home Equity Line of Credit with Variable Rate of 8.50%

Payment

Remaining Term

Time of Advance

First liens may require escrow of taxes and insurance which will increase the payment amount.

Payment

$217

Remaining Term

20 Years

Time of Advance

At initial advance

Payment

$278

Remaining Term

12 Years

Time of Advance

End of draw period (max 8 years)

Learn more about Home Equity Lines of Credit and apply for a loan
 

Home Improvement Loan

Home Improvement Loan ($10,000 – $25,000)

Term

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Home Improvement Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.

Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.

Term

60 months

Annual Percentage Rate*

8.75% – 13.24%

Estimated Payment per $1,000 Borrowed

$20.64 – $22.88

Term

72 months

Annual Percentage Rate*

9.00% – 13.49%

Estimated Payment per $1,000 Borrowed

$18.03 – $20.33

Term

84 months

Annual Percentage Rate*

9.25% – 13.74%

Estimated Payment per $1,000 Borrowed

$16.22 – $18.60

Learn more about Home Improvement Loans

Visa Credit Cards

Product

APR* starting at

APR* up to

*Annual Percentage Rate.

To qualify for special balance transfer promotion, balance transfers from other creditors must post to your account within the first 60 days of account opening.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Application and Solicitation effective July 1, 2023.

Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000. RadiFi serves those who live/work/learn/worship in the Florida counties of Duval, St. Johns, Nassau, Baker and Clay.

For complete details, download the RadiFi Credit Union Visa® Application and Solicitation Disclosure (PDF).

Product

Platinum Visa® Card

APR* starting at

13.90%

APR* up to

16.90%

Product

Rewards Visa® Card

APR* starting at

14.90%

APR* up to

16.90%

Product

Signature Rewards Visa® Card

APR* starting at

15.40%

APR* up to

18.00%

Product

Secured Visa® Card

APR* starting at

13.90%

APR* up to

13.90%

Learn more about our credit cards and apply

Personal Loans

Term

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

Term

36 months

Annual Percentage Rate*

10.00%

Estimated Payment per $1,000 Borrowed

$32.27

Term

48 months

Annual Percentage Rate*

10.50%

Estimated Payment per $1,000 Borrowed

$25.60

Term

60 months

Annual Percentage Rate*

10.75%

Estimated Payment per $1,000 Borrowed

$21.62

Term

72 months (minimum $15,000)

Annual Percentage Rate*

11.00%

Estimated Payment per $1,000 Borrowed

$19.03

Learn more about Personal Loans and apply for a loan

Lines of Credit

Loan Type

Payment Terms

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

Loan Type

Line of Credit

Payment Terms

2% of balance

Annual Percentage Rate*

12.50%

Estimated Payment per $1,000 Borrowed

$22.50

Loan Type

Overdraft Line of Credit

Payment Terms

$65.00/month

Annual Percentage Rate*

17.75%

Estimated Payment per $1,000 Borrowed

$65.00

Learn more about Lines of Credit and apply

Share and Certificate Secured Personal Loans

Loan Type

Annual Percentage Rate*

* The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000.

** 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.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.

Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.

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%

Learn more about Share Secured Loans and apply

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