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Jax fedral credit union (ATM) in Jacksonville, FL
RadiFi Credit Union's Park Street branch in Jacksonville offers member-owned banking with deposit accounts, loans, and a 24-hour ATM. Serving the historic Riverside community since 1935.
Data compiled from public sources · Rating from CreditDoc methodology
Jax fedral credit union (ATM) Review
RadiFi Credit Union is a member-owned, not-for-profit financial cooperative serving Jacksonville, Florida, with its Park Street branch located in the historic Riverside neighborhood. The credit union has been operating since 1935 and emphasizes community connection and personalized service. As a federally-insured credit union (routing number 263079234), RadiFi operates under NCUA oversight and focuses on member benefits rather than shareholder profits.
The Park Street branch offers comprehensive financial services including deposit accounts, loan products, and cash access. Members can open high-yield checking accounts (up to 4.00% APY), certificate specials (13-month CDs at 3.75% APY), auto loan refinancing with 0.25% rate reductions, and new home mortgages with $1,000 cash back incentives. The branch provides in-person services such as safe deposit boxes, wire transfers, notary services, instant-issue debit cards, and cashier's checks. A 24-hour ATM is available on-site for member convenience.
RadiFi distinguishes itself through localized, relationship-based banking in a historic neighborhood setting. The branch team includes dedicated member success managers, loan originators with NMLS credentials, commercial loan officers, and wealth advisors. The credit union emphasizes competitive rates on savings products and favorable loan terms for members, contrasting itself against large national banks. Member reviews on the website highlight strong customer service and personalized attention during product selection.
The Park Street location serves primarily Jacksonville-area residents and businesses within or near Riverside. As a credit union, membership may require eligibility criteria (not specified on this branch page). The branch operates traditional lobby hours (9am-5pm weekdays, 9am-1pm Saturdays) plus extended drive-up hours. While offering substantial services, the branch's geographic focus and membership requirements limit accessibility compared to national banks.
Services & Features
24-hour ATM access
Auto loan refinancing with rate reductions
Cashier's checks and money orders
Certificate of deposit specials (13-month CDs at 3.75% APY)
Commercial loan services
High-yield checking accounts (up to 4.00% APY)
Instant-issue debit cards
Medallion stamp services
New home mortgages with $1,000 cash back
Night deposit capability
Notary services
Safe deposit boxes
Visa credit cards with intro APR offers
Wealth advisory services
Wire transfers and cash transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 24-hour on-site ATM for member cash access
- Competitive savings rates: 4.00% APY on high-yield checking and 3.75% APY on 13-month CDs
- Member-owned structure means profits benefit members, not external shareholders
- Personalized loan service with NMLS-credentialed mortgage originators on staff
- Full-service branch with safe deposit boxes, notary services, wire transfers, and instant-issue debit cards
- Referral incentive program ($25 for referring friends)
- Extended drive-up hours (until 6pm Friday) and Saturday lobby hours for working members
- 4.5-star rating with 1,110 certified member reviews highlighting customer service quality
Cons
- Membership eligibility not clearly defined on branch website; may restrict who can open accounts
- Limited geographic footprint restricted to Jacksonville area; not available nationwide
- Drive-up cash withdrawal limit of $1,000 maximum per transaction for members
- No mention of online account opening specifics, mobile app features, or digital banking capabilities beyond app availability
- Branch closure on federal holidays and early closures on Christmas Eve/New Year's Eve may inconvenience some members
Rating Breakdown
Value 5.0
Effectiveness 3.0
Customer Service 3.5
Transparency 3.5
Ease of Use 3.7
Frequently Asked Questions
Is Jax fedral credit union (ATM) legitimate?
Yes. Jax fedral credit union (ATM) is a registered company, headquartered in 562 Park St, Jacksonville, FL 32204.
Quick Facts
- Headquarters
- 562 Park St, Jacksonville, FL 32204
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Jax fedral credit union (ATM)
RadiFi Credit Union's Park Street branch is best for Jacksonville-area residents and business owners who value member-owned banking, competitive rates on savings, and personalized service from local loan officers. The primary caveat is geographic limitation—membership and branch services are restricted to the Jacksonville area, and membership eligibility criteria are not transparently disclosed on this page.
Best For
- Jacksonville-area residents seeking relationship-based, personalized banking with competitive rates
- Members prioritizing member-owned financial institutions over corporate bank structures
- Small business owners needing commercial lending with dedicated loan officers
- Homebuyers interested in mortgage products with cash-back incentives and local origination
Updated 2026-04-29
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