Achieve more with RadiFi

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 08/26/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/24 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/24 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/2024 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/24 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.

*APY = Annual Percentage Yield. APY is effective as of 09/01/24 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.

*APY = Annual Percentage Yield and is effective as of 09/01/2024, 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.

*APY = Annual Percentage Yield and is effective as of 09/01/2024, 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.

*APY = Annual Percentage Yield. Rates are current as of 09/01/2024 and are subject to change at any time without notice. Minimum opening deposit is $2,500.

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

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 79-84 months: $25K minimum.

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

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

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.

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

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

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

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

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

³ 60-72 Months: $20K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 72 months: $20K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 72 Months: $20K minimum.

³ 84-108 Months: $30K minimum.

⁴ 120-180 Months: $50K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 72 Months: $20K minimum.

³ 84 Months: $30K minimum.

⁴ 96 Months: $50K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 84-120 Months: $30K minimum.

³ 144-180 Months: $50K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

² 84-120 Months: $30K minimum.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

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.

¹ APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

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.

^*APR = Annual Percentage Rate. APRs are effective as of 09/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

*APR = Annual Percentage Rate. The Annual Percentage Rate you receive is based on certain creditworthiness criteria. APY is effective as of 09/01/2024 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.

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 09/01/24 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.

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 09/01/24 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.

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 09/01/24 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.

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 09/01/2024 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.

* 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 09/01/24 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.