School-Year Spending Starts Here
Exclusive Member-Only Visa Credit Card Offers
Apply for RadiFi Membership Online to Get Started
Back-to-school shopping is underway. From supplies and clothes to laptops, dorm essentials, gas and groceries, RadiFi Visa Credit Card offers give members options for the season ahead. Membership comes first. Once you join RadiFi, you can choose the credit card offer that fits your needs.
Pick the Perk That Fits Your Needs
15,000 Bonus Points
With Signature Rewards Visa, spend $1,500 in the first 90 days and earn 15,000 bonus points.
1.90% Intro APR*
With Platinum Visa, get 1.90% intro APR* for 12 months on purchases made in the first 90 days.
1.5x Points
With Visa Rewards, earn 1.5x points per dollar spent on all purchases for the first 60 days.
Join. Choose. Shop.
Get School-Year Ready
Use your card for school supplies, college essentials, gas, groceries and everyday purchases.
Ready for the School Year?
Apply for RadiFi membership and unlock access to member-only credit card offers.
Why Join RadiFi Now?
Your Are Eligible to Join
RadiFi Membership is Open to More People than You May Think
Through our partnership with the American Consumer Council, RadiFi credit union membership is open nationwide. Anyone can join!*
Join Online in Minutes
Getting started is simple.
Start You Application
Choose your account and begin your secure online membership application.
Verify Your Information
Provide a few personal details so we can securely confirm your identity and process your application.
Fund Your Account
Add your opening deposit and complete the process so you can start banking with RadiFi.
Credit Card Rates
|
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 12.40% |
APR* up to 18.00% |
|
Product Rewards Visa® Card |
APR* starting at 13.40% |
APR* up to 18.00% |
|
Product Signature Rewards Visa® Card |
APR* starting at 13.90% |
APR* up to 18.00% |
|
Product Secured Visa® Card |
APR* starting at 13.90% |
APR* up to 13.90% |
|
Term |
Annual Percentage Rate* |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
*APR = Annual Percentage Rate. APRs are effective as of 7/1/2026 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. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. |
||
|
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 |
Disclosures
*APR = Annual Percentage Rate.1.90% Intro APR for 12 months on purchases made within your first 90 days of opening the credit card account. After the 12-month promotional period ends, your APR will revert to the standard variable rate, currently 12.40%–18.00%, based on your creditworthiness. Offer subject to change at any time without notice. Restrictions apply. Contact the credit union for complete details at 904-475-8000. Membership eligibility restrictions and requirements apply.