RadiFi Member Appreciation

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Personal Deposit & Loan Rates

Unlock greater savings and earnings with our competitive rates and diverse options.

Featured Short Term Certificates

 

3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%


 
11-Month Member Exclusive Share Certificate Special


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. The 11-Month Share Certificate Member Exclusive Special cannot be opened through RadiFi Digital Banking. Please visit your neighborhood branch or call 904-475-8000 to open this share certificate.


Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%

 

Current Certificate Promotions

 

13-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

 

17-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.650%

Annual Percentage Yield*

4.750%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

 

23-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.218%

Annual Percentage Yield*

4.300%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.314%

Annual Percentage Yield*

4.400%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

 

31-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

 

Share & IRA Certificates

 

3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%

 

12-Month Term Certificate


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.


Tiered Structure

$500-$2,499.99

Dividend Rate

2.618%

Annual Percentage Yield*

2.650%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.813%

Annual Percentage Yield*

2.850%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.880%

Annual Percentage Yield*

3.950%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

 

18-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.765%

Annual Percentage Yield*

2.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.862%

Annual Percentage Yield*

2.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

 

24-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

 

30-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.154%

Annual Percentage Yield*

3.200%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.251%

Annual Percentage Yield*

3.300%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.300%

Annual Percentage Yield*

3.350%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.348%

Annual Percentage Yield*

3.400%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

 

36-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.121%

Annual Percentage Yield*

4.200%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

 

48-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

60-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

 

Personal Goal Savings Certificates

 

Personal Goal Short Term Certificates (12 or 18 month term)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield and is effective as of 2/2/2024, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

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%

 

Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield and is effective as of 02/02/2024, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

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%

Regular Money Market Account Rates

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield (APY)*

*APY = Annual Percentage Yield. Rates are current as of 2/2/2024 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 (APY)*

0.40%

Minimum balance to earn dividends

$2,500

Dividend Rate

0.747%

Annual Percentage Yield (APY)*

0.75%

Minimum balance to earn dividends

$10,000

Dividend Rate

0.847%

Annual Percentage Yield (APY)*

0.85%

Minimum balance to earn dividends

$25,000

Dividend Rate

1.045%

Annual Percentage Yield (APY)*

1.05%

Minimum balance to earn dividends

$50,000

Dividend Rate

1.094%

Annual Percentage Yield (APY)*

1.10%

Minimum balance to earn dividends

$100,000

Dividend Rate

1.193%

Annual Percentage Yield (APY)*

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 2/2/2024, and 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 904-475-8000 or visit your neighborhood RadiFi branch.

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

Checking Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs listed are current as of 02/02/2024. Rates are subject to change without notice.
**Account Qualifications must be met to earn stated APY for Extreme Checking and Make Waves High Yield Checking.

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$5,000- $15,000

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$15,000.01 or greater

Dividend Rate

1.490%

Annual Percentage Yield*

1.500%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

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

Extreme Checking

Minimum balance to earn dividends

Qualifications not met

Dividend Rate

0.000%

Annual Percentage Yield*

0.000%

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*

*APY = Annual Percentage Yield. APYs stated are effective as of 2/2/2024 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%

Learn more about our Savings Accounts and open an account

IRAs

Account

Minimum balance to earn dividends

Dividend rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY stated is effective as of 02/02/2024 and subject to change at any time without notice.

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

New Auto, Van, Pickup, SUV (2023-2024, 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 APR = Annual Percentage Rate. APRs are effective as of 02/02/2024 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.

2 79-84 months: $25K minimum.

Term

0-48 Months

APR1 as low as

5.74%

Estimated Payment per $1,000 Borrowed

$23.37

Term

49-66 Months

APR1 as low as

5.99%

Estimated Payment per $1,000 Borrowed

$17.82

Term

67-78 Months

APR1 as low as

6.49%

Estimated Payment per $1,000 Borrowed

$15.75

Term

79-84 Months2

APR1 as low as

8.29%

Estimated Payment per $1,000 Borrowed

$15.73

Auto Loan Rates

Learn more about new auto loans and apply for a loan

 

Used Auto, Van, Pickup, SUV² (2017-2024, greater than 7,001 miles)

Term2

APR1 as low as

Estimated Payment per $1,000 Borrowed

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

1 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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

3 67-78 Months: $15K minimum.

4 79-84 Months: $25K minimum.

Term2

0-48 Months

APR1 as low as

6.75%

Estimated Payment per $1,000 Borrowed

$23.83

Term2

49-66 Months

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$18.30

Term2

67-78 Months3

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$16.24

Term2

79-84 Months4

APR1 as low as

8.69%

Estimated Payment per $1,000 Borrowed

$15.93

Learn more about used auto loans and apply for a loan

 

Older Used Auto (2014-2016, 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 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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

Learn more about used auto loans and apply for a loan

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 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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

Learn more about used auto loans and apply for a loan

New Motorcycles (2023 – 2024)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 02/02/2024 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.

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 (2019 – 2023)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 1/2/2024 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.

Term

36 Months

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$31.11

Term

48 Months

APR1 as low as

7.75%

Estimated Payment per $1,000 Borrowed

$24.30

Term

60 Months

APR1 as low as

8.00%

Estimated Payment per $1,000 Borrowed

$20.28

Learn more about motorcycle loans and apply for a loan

 

New Boats (2023-22, under 31′ in length)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 02/02/2024 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.

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 (2019-23, under 31’ in length)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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 (2023-2024)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 02/02/2024 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.

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 (2019-2023, max 120 month term)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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 (2023-2024)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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

3 72 Months: $20K minimum.

4 84-108 Months: $30K minimum

5 120-180 Months: $50K minimum.

 

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) Loans and apply for a loan

 

Used Toy (Recreational Vehicle) Loans² (2019-2023)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

1 APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

2 Includes titled four-wheelers/All Terrain Vehicles (ATVs), 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) Loans and apply for a loan

Visa Credit Cards

Product

APR* starting at

APR* up to

*APR = Annual Percentage Rate. Rates are subject to change at any time without notice. For complete details, download the RadiFi Credit Union Visa® Application and Solicitation Disclosure (PDF).

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

 

Product

Platinum Visa® Card

APR* starting at

14.15%

APR* up to

16.90%

Product

Rewards Visa® Card

APR* starting at

15.15%

APR* up to

16.90%

Product

Signature Rewards Visa® Card

APR* starting at

15.65%

APR* up to

18.00%

Product

Secured Visa® Card

APR* starting at

13.90%

APR* up to

13.90%

Learn more about our Consumer Credit Cards and apply

Business Visa Credit Cards

Product

Fixed APR* 

*Annual Percentage Rate.

Application and Solicitation effective 02/02/2024. Rates are subject to change without notice.

Product

Business Rewards Visa® Card

Fixed APR* 

15.90%

Product

Business Impact Visa® Card

Fixed APR* 

17.90%

Product

Business Secured Visa® Card

Fixed APR* 

16.90%

Learn more about our Business Credit Cards and apply

Personal Loans

Term

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

Term

36 months

Annual Percentage Rate*

10.50%

Estimated Payment per $1,000 Borrowed

$32.50

Term

48 months

Annual Percentage Rate*

10.75%

Estimated Payment per $1,000 Borrowed

$25.72

Term

60 months

Annual Percentage Rate*

11.00%

Estimated Payment per $1,000 Borrowed

$21.74

Term

72 months (minimum $15,000)

Annual Percentage Rate*

11.25%

Estimated Payment per $1,000 Borrowed

$19.16

Learn more about Personal Loans and apply for a loan

Home Improvement Personal Loans ($10,000 – $25,000)

Term

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*APR = Annual Percentage Rate. The Annual Percentage Rate you receive is based on certain creditworthiness criteria. APY is effective as of 02/02/2024 and subject to change at any time 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 Personal Loans

Lines of Credit

Loan Type

Payment Terms

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*APR = Annual Percentage Rate. APRs are effective as of 02/02/2024 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.

Loan Type

Line of Credit

Payment Terms

2% of balance

Annual Percentage Rate*

14.75%

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*

*APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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%

Learn more about Share Secured Loans and apply

Mortgages

For current mortgage rates, please contact the credit union. Meet our Mortgage Team or give us a call.

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.

APR = Annual Percentage Rate. APRs listed are effective as of 02/2/2024 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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.  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.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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.

APR = Annual Percentage Rate. APRs listed are effective as of 02/02/2024 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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

 

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.

APR = Annual Percentage Rate. APRs listed are effective as of 1/1/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

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%

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