What are the current interest rates at RadiFi Credit Union?

Current rates for RadiFi Credit Union include: 12-Month CD: 0.50%, 18-Month CD: 2.70%, 24-Month CD: 3.40%, 60-Month CD: 3.35%, Savings: 0.10%, MMA: 4.00%

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RadiFi Credit Union

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RadiFi Credit Union Rates & Review October 2026

Item: RadiFi Credit Union
Rating: 5
Author: Bill S.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

RadiFi Credit Union's top rates as of October 14, 2026 are 4.30% APY on its 17-Month CD Special, 0.10% APY on savings, 4.00% APY on money market accounts, 4.00% APY on checking, personal loans from 10.50% APR, and credit cards from 12.65% APR, according to rates verified by MonitorBankRates. Other RadiFi Credit Union CD rates include 11-Month Flex Access CD at 4.10%, 11-Month Flex Access CD Special (New Money Only) at 4.10%, and 12-Month Term CD at 4.05%. MonitorBankRates evaluates the financial stability of RadiFi Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.41%. Rates last updated and verified on 10/14/2026.

RadiFi Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RadiFi Credit Union? Share your experience about RadiFi Credit Union by leaving a review below, or read customer reviews before you decide to use RadiFi Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.41%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

RadiFi Credit Union
Main Branch - Park Street

562 Park St
Jacksonville, FL 32204-2918

https://www.radificu.org

Customer Reviews

4.5 ★ 2 reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

RadiFi Credit Union CD Rates

Product	Rate	APY	Term
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $500 Details New money only; Balance: $500-$24,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $25,000 Details New money only; Balance: $25,000-$49,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $50,000 Details New money only; Balance: $50,000-$99,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $100,000 Details New money only; Balance: $100,000-$249,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $250,000 Details New money only; Balance: $250,000-$499,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $500,000 Details New money only; Balance: $500,000-$749,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $750,000 Details New money only; Balance: $750,000-$999,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
17-Month Share Certificate Special	4.218%	4.30%	17 months
Min Balance $1,000,000 Details New money only; Balance: $1,000,000 or higher; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access CD	-	4.10%	11 months
Min Deposit $500 Details New Money Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $2,499.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
11-Month Flex Access Certificate Special (New Money Only)	4.025%	4.10%	11 months
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over; Limited Time Offer; New money only; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.977%	4.05%	12 months
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.928%	4.00%	12 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 14, 20264.00%▲ from 3.90% Sep 27, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Share Certificate Special	3.928%	4.00%	13 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
13-Month Term	-	4.00%	13 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.88%	3.95%	12 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.832%	3.90%	12 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	3.784%	3.85%	12 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.784%	3.85%	24 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.784%	3.85%	48 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.735%	3.80%	24 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.735%	3.80%	30 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.735%	3.80%	60 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.687%	3.75%	48 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.639%	3.70%	30 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.639%	3.70%	6 months
Min Balance $1,000,000 Details Balance: $1,000,000 or higher; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.639%	3.70%	60 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.59%	3.65%	6 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
30-Month Term Certificate	3.542%	3.60%	30 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.542%	3.60%	6 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.494%	3.55%	24 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.494%	3.55%	36 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.494%	3.55%	48 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.494%	3.55%	6 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.494%	3.55%	60 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.445%	3.50%	24 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.445%	3.50%	48 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.445%	3.50%	6 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.445%	3.50%	60 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.397%	3.45%	36 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.397%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
24-Month Term Certificate	3.348%	3.40%	24 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.348%	3.40%	36 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.348%	3.40%	6 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $500 Details Balance: $500-$2,499.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36-Month Term Certificate	3.30%	3.35%	36 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
48-Month Term Certificate	3.30%	3.35%	48 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $500 Details Balance: $500-$2,499.99; Dividend Rate 3.300%; APY 3.35% Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
60-Month Term Certificate	3.30%	3.35%	60 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $500 Details Balance: $500-$2,499.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
6-Month Term Certificate	3.251%	3.30%	6 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.203%	3.25%	3 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	3.105%	3.15%	3 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $750,000 Details Balance: $750,000-$999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	3.008%	3.05%	18 months
Min Balance $1,000,000 Details Balance: $1,000,000 OR HIGHER Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.96%	3.00%	3 months
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.862%	2.90%	18 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $500 Details Balance: $500-$2,499.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
3-Month Term Certificate	2.862%	2.90%	3 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.813%	2.85%	12 months
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.765%	2.80%	18 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.716%	2.75%	12 months
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.716%	2.75%	18 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.667%	2.70%	12 months
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
18-Month Term Certificate	2.667%	2.70%	18 months
Min Balance $500 Details Balance: $500-$2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12-Month Term Certificate	2.618%	2.65%	12 months
Min Balance $500 Details Balance: $500-$2,499.99; Current Certificate Promotion; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 month Personal Goal Longer-Term Variable Rate Certificates	0.995%	1.00%	36 months
Min Balance $7,500 Details Balance: $7,500.01 and up; Term: 36-month or 60-month terms; Variable rate; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 month Personal Goal Longer-Term Variable Rate Certificates	0.896%	0.90%	36 months
Min Balance $5,001 Details Balance: $5,001-$7,500; Term: 36-month or 60-month terms; Variable rate; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 month Personal Goal Longer-Term Variable Rate Certificates	0.847%	0.85%	36 months
Min Balance $2,501 Details Balance: $2,501-$5,000; Term: 36-month or 60-month terms; Variable rate; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.747%	0.75%	12 months
Min Balance $1,000 Details Term: 12-month or 18-month term; Balance: $1,000.01-$1,500; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.747%	0.75%	12 months
Min Balance $1,500 Details Term: 12-month or 18-month term; Balance: $1,500.01 and up; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
36 month Personal Goal Longer-Term Variable Rate Certificates	0.747%	0.75%	36 months
Min Balance $0 Details Balance: $0.01 to $2,500; Term: 36-month or 60-month terms; Variable rate; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.598%	0.60%	12 months
Min Balance $501 Details Term: 12-month or 18-month term; Balance: $501-$1,000; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
12 Month Personal Goal Short Term Certificates	0.499%	0.50%	12 months
Min Balance $0 Details Term: 12-month or 18-month term; Balance: $0.01-$500; APY effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	0.099%	0.10%
Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Savings	0.099%	0.10%
Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
You-Name-It (Secondary) Savings	0.099%	0.10%
Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Money Market Rates

Product	Rate	APY
Tidal Wave Money Market Account	3.928%	4.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	-	4.00%
Details Earn up to 4.00% APY; Ride the Wave to Savings Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	3.445%	3.50%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.736%	1.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 1.75% ▼ 2.25 pts · high 4.00% / low 1.75% Oct 14, 20261.75%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 1.50% ▼ 2.50 pts · high 4.00% / low 1.50% Oct 14, 20261.50%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	1.243%	1.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 1.25% ▼ 2.75 pts · high 4.00% / low 1.25% Oct 14, 20261.25%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.193%	1.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.094%	1.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	1.045%	1.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.995%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 1.00% ▼ 3.00 pts · high 4.00% / low 1.00% Oct 14, 20261.00%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.847%	0.85%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 tier; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 0.75% ▼ 3.25 pts · high 4.00% / low 0.75% Oct 14, 20260.75%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Regular Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100-$2,499; Minimum opening deposit is $2,500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Tidal Wave Money Market Account	0.399%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100-$2,499; Minimum opening deposit $2,500 of new money only; All deposits must be new money (funds not currently on deposit with RadiFi Credit Union) Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 4.00% → 0.40% ▼ 3.60 pts · high 4.00% / low 0.40% Oct 14, 20260.40%▼ from 4.00% Sep 15, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Checking Rates

Product	Rate	APY	View More
Make Waves High-Yield Checking	-	4.00%
Details Earn up to 4.00% APY; No Minimum Balance Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
First Lien Home Equity Loan - Refinance - No Cash Out	6.00%	-	6.00%	10 years
Details First lien, 0-80% LTV; Loan amount $50,000-$250,000; Pre-paid finance charge $851.50; P&I payment $277.55; Up to $750 credit toward closing costs; $400.00 origination fee may apply Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
First Lien Home Equity Loan - Cash Out	-	-	7.00%	10 years
Details First lien, 0-80% LTV; Loan amount $50,000-$250,000; Cash-out limited to $2,000; Pre-paid finance charge $851.50; P&I payment $280.70; Up to $750 credit toward closing costs; $400.00 origination fee may apply Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Home Equity Line of Credit	7.00%	-	7.44%
Details Variable Rate; Loan to Value Ratio: 0-80%; Index Rate: 7.00%; Margin: 0.00%; Index Plus Margin: 7.00%; Index: WSJ prime, max rate 15%, min rate 3.25%, annual cap 3% per year; Line amount $10,000 to $250,000 with $5,000 minimum first advance; 8-year draw period, 12-year repayment period; $50 annual inactivity fee in January when prior YTD finance charges were less than $100; $400 origination fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Home Equity Line of Credit	7.25%	-	7.69%
Details Variable Rate; Loan to Value Ratio: 81-90%; Index Rate: 7.00%; Margin: 0.25%; Index Plus Margin: 7.25%; Index: WSJ prime, max rate 15%, min rate 3.25%, annual cap 3% per year; Line amount $10,000 to $250,000 with $5,000 minimum first advance; 8-year draw period, 12-year repayment period; $50 annual inactivity fee in January when prior YTD finance charges were less than $100; $400 origination fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	4.75%	0-48 Months
Details As Low As; Max mileage 100,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.49%	49-66 Months
Details As Low As; Max mileage 100,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	5.79%	67-78 Months
Details As Low As; Max mileage 100,000; $15K minimum loan Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Auto, Van, Pickup, SUV (2019-2026)	-	-	6.59%	79-84 Months
Details As Low As; Max mileage 100,000; $25K minimum loan Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto	-	-	9.25%	0-48 Months
Details As Low As; Used auto (2016-2018, less than 100,000 miles) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Older Used Auto	-	-	9.50%	49-60 Months
Details As Low As; Used auto (2016-2018, less than 100,000 miles) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars Loan	-	-	9.75%	0-48 Months
Details As Low As; Vehicle listed in Black Book classic, collectible, and special interest car appraisal guide; Estimated payment per $1,000 borrowed: $25.24; Model Year: 2016 - 2018 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars Loan	-	-	10.00%	49-60 Months
Details As Low As; Vehicle listed in Black Book classic, collectible, and special interest car appraisal guide; Estimated payment per $1,000 borrowed: $21.25; Model Year: 2016 - 2018 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Classic Cars Loan	-	-	10.25%	61-72 Months
Details As Low As; Vehicle listed in Black Book classic, collectible, and special interest car appraisal guide; $20K minimum loan; Estimated payment per $1,000 borrowed: $18.65; Model Year: 2016 - 2018 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Loan - New Motorhomes (2025-2026)	-	6.25%	60 Months
Details As Low As; Estimated Payment per $1,000 Borrowed not recorded as rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	6.50%	72 Months
Details As Low As Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	6.75%	48 Months
Details As Low As; APR effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	6.75%	84 Months
Details As Low As; Loan minimum: $30K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.00%	48 Months
Details As Low As; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	7.00%	60 Months
Details As Low As; APR effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	7.00%	48 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $23.95 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	7.00%	96 Months
Details As Low As; Loan minimum: $30K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.25%	60 Months
Details As Low As; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Motorcycles (2025 - 2026) Loan	-	7.25%	72 Months
Details As Low As; 72 months: $20K minimum; APR effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	7.25%	60 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $19.92 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	7.25%	108 Months
Details As Low As; Loan minimum: $30K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.25%	60 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.50%	72 Months
Details As Low As; Minimum loan: $20K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	7.50%	72 Months
Details As Low As; $20K minimum loan; Estimated Payment per $1,000 Borrowed: $17.29 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	7.50%	120 Months
Details As Low As; Loan minimum: $30K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.50%	36 Months
Details As Low As; Street Legal; APRs effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.50%	72 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	7.75%	84 Months
Details As Low As; Minimum loan: $30K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	7.75%	84 Months
Details As Low As; $30K minimum loan; Estimated Payment per $1,000 Borrowed: $15.46 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	7.75%	144 Months
Details As Low As; Loan minimum: $50K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	7.75%	36 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $31.22 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	7.75%	48 Months
Details As Low As; Street Legal; APRs effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	7.75%	84 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term); 84-120 Months: $30K minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	7.75%	36 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.00%	96 Months
Details As Low As; Minimum loan: $30K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	8.00%	96 Months
Details As Low As; $30K minimum loan; Estimated Payment per $1,000 Borrowed: $14.14 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
RV Loan - New Motorhomes (2025-2026)	-	8.00%	180 Months
Details As Low As; Loan minimum: $50K Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.00%	48 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $24.41 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorcycles (2021-2025) Street Legal Loan	-	8.00%	60 Months
Details As Low As; Street Legal; APRs effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.00%	96 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term); 84-120 Months: $30K minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.00%	48 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.25%	108 Months
Details As Low As; Minimum loan: $30K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	8.25%	108 Months
Details As Low As; $30K minimum loan; Estimated Payment per $1,000 Borrowed: $13.15 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.25%	60 Months
Details As Low As; Estimated Payment per $1,000 Borrowed: $20.40 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.25%	108 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term); 84-120 Months: $30K minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.25%	60 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.50%	120 Months
Details As Low As; Minimum loan: $50K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	8.50%	120 Months
Details As Low As; $50K minimum loan; Estimated Payment per $1,000 Borrowed: $12.40 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.50%	72 Months
Details As Low As; Minimum loan: $20K; Estimated Payment per $1,000 Borrowed: $17.78 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Motorhomes Loan	-	8.50%	120 Months
Details As Low As; Used Motorhomes (2021-2025, max 120 month term); 84-120 Months: $30K minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.50%	72 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $20K minimum loan Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Boats Under 31 ft and Campers (2025-2026) Loan	-	8.75%	180 Months
Details As Low As; Minimum loan: $50K; APR = Annual Percentage Rate; effective as of 10/1/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
New Recreational Vehicles Loans (ATVs, Dirt Bikes & Jet Skis)	-	8.75%	180 Months
Details As Low As; $50K minimum loan; Estimated Payment per $1,000 Borrowed: $9.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	8.75%	84 Months
Details As Low As; Minimum loan: $30K; Estimated Payment per $1,000 Borrowed: $15.96 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	8.75%	84 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $30K minimum loan Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Boats Under 31 ft and Campers (2021-2025) Loan	-	9.00%	96 Months
Details As Low As; Minimum loan: $50K; Estimated Payment per $1,000 Borrowed: $14.65 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Used Recreational Vehicle Loans (2021-2025) ATVs, Dirt Bikes & Jet Skis	-	9.00%	96 Months
Details As Low As; Includes titled four-wheelers/ATVs, dirt bikes, jet skis, and towable campers; $50K minimum loan Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Card	-	12.65%
Details As Low As; APR range: 12.65% - 18.00% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 2, 202612.65%▲ from 12.40% Sep 15, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Rewards Visa Card	-	13.65%
Details As Low As; APR range: 13.65% - 18.00% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 13.40% → 13.65% ▲ 0.25 pts · high 13.65% / low 13.40% Oct 2, 202613.65%▲ from 13.40% Sep 15, 202613.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Secured Visa Card	-	13.90%
Details As Low As; APR range: 13.90% - 13.90% Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	-	14.15%
Details As Low As; APR range: 14.15% - 18.00% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Rewards Visa Card	-	15.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 15.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Secured Visa Card	-	16.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 16.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Business Impact Visa Card	-	17.90%
Details Fixed APR; Business Visa Credit Cards Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 17.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 36 months	10.50%	36 months
Details APR effective 10/1/2026; Minimum personal loan $500; Maximum personal loan $30,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loans - 48 months	10.75%	48 months
Details APR effective 10/1/2026; Minimum personal loan $500; Maximum personal loan $30,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loans - 60 months	11.00%	60 months
Details APR effective 10/1/2026; Minimum personal loan $500; Maximum personal loan $30,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Personal Loans - 72 months	11.25%	72 months
Details Minimum loan amount $15,000 for 72 months; APR effective 10/1/2026; Minimum personal loan $500; Maximum personal loan $30,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Signature Rewards Visa Card	14.15%
Details As Low As; APR range: 14.15% - 18.00% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 2, 202614.15%▲ from 13.90% Sep 15, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

RadiFi Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	14.75%
Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 14.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Coverdell ESA	0.099%	-	0.10%
Min Balance $5 Details Minimum balance to earn dividends: $5 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%
Traditional/Roth IRA	0.099%	-	0.10%
Min Balance $100 Details Minimum balance to earn dividends: $100 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

RadiFi Credit Union’s Texas Ratio fell from 4.51% in Q3 2023 to 3.41% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$715M	3.41%	5.0	A+
March 31, 2026	$706M	3.50%	5.0	A+
December 31, 2025	$712M	6.09%	5.0	A
September 30, 2025	$705M	3.76%	5.0	A+
June 30, 2025	$652M	2.83%	5.0	A+
March 31, 2025	$632M	1.55%	5.0	A+
December 31, 2024	$605M	3.96%	5.0	A+
September 30, 2024	$599M	3.89%	5.0	A+
June 30, 2024	$590M	4.19%	5.0	A+
March 31, 2024	$594M	3.49%	5.0	A+
December 31, 2023	$581M	5.12%	5.0	A+
September 30, 2023	$579M	4.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for RadiFi Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather RadiFi Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RadiFi Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RadiFi Credit Union

Website https://www.radificu.org

Address 562 Park St, Jacksonville, FL 32204-2918

Phone 904-475-8000

Fax 904-359-8328

President Rodomir Desir

CEO John Servos

Full-Time Employees 126

Part-Time Employees 4

Branch Locations 8

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.41%

Return on Assets (ROA)

0.3007%

Return on Equity (ROE)

3.1388%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

715,152,490

Total Amount of Shares and Deposits

558,409,943

Total Shares and Deposits < 1 Year

539,999,076

Total Shares and Deposits 1 3 Years

14,623,280

Total Shares and Deposits > 3 Years

3,787,587

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,019,311

Total Uninsured Shares and Deposits > $250K (F+J)

32,019,311

Total Insured Shares and Deposits > $250K (item 17 less item K)

526,390,632

Total Interest Expense (Sum of items 6 8)

5,563,053

Share Certificates

3,668

Number of Accounts for Share Drafts

29,779

IRA KEOGH Accounts

1,034

Number of Accounts for Regular Shares

50,399

Non Member Deposits

7,392

Money Market Shares

3,311

Net Income (unless the amount is already included in Undivided Earnings)

2,150,547

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,435,937

Total Liabilities

655,745,139

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

RadiFi Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

Sandra223

★★★★☆

October 16, 2023

I was able to join with no problem.

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Bill S.

★★★★★

October 16, 2023

Great credit union!!

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Average Rating

★★★★☆

Total Reviews

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Frequently Asked Questions About RadiFi Credit Union

How many branches does RadiFi Credit Union operate?

RadiFi Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RadiFi Credit Union?

Yes, to access services at RadiFi Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RadiFi Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RadiFi Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does RadiFi Credit Union offer online and mobile banking?

Most modern institutions like RadiFi Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.radificu.org.

Current RadiFi Credit Union Rates

12-Month CD0.50%
18-Month CD2.70%
24-Month CD3.40%
60-Month CD3.35%
Savings0.10%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

RadiFi Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

RadiFi Credit Union Texas Ratio

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RadiFi Credit Union Home Equity & HELOC

RadiFi Credit Union Auto Loan Rates

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RadiFi Credit Union Other Rates

Financial Health History

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Credit Union Profile & Overview

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RadiFi Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About RadiFi Credit Union

How many branches does RadiFi Credit Union operate?

Is a member application needed to join RadiFi Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does RadiFi Credit Union offer online and mobile banking?

Current RadiFi Credit Union Rates

Compare to Other Credit Unions