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RadiFi Credit Union is a member-owned, not-for-profit financial institution serving Northeast Florida with competitive loan rates, high-yield savings accounts, and digital banking convenience.
Data compiled from public sources
RadiFi Credit Union (formerly Jax Federal) has been serving the Jacksonville community for over 60 years as a member-owned, not-for-profit financial cooperative. The credit union operates with NCUA insurance and emphasizes local decision-making and community reinvestment as core values. With a routing number of 263079234, RadiFi positions itself as a neighborhood financial partner dedicated to empowering members with competitive products and services.
RadiFi's service portfolio includes auto loan refinancing (as low as 4.59% APR with rate discounts), home equity loans (as low as 5.75% APR), mortgage products with cash-back incentives ($1,000 on qualifying new home mortgages), and high-yield savings vehicles. Their Make Waves Checking Account offers up to 4.00% APY, and they provide 13-month certificates at 3.75% APY with $2,500 minimum deposits. The credit union also offers business checking and savings accounts, business credit cards and loans, credit cards with introductory rates, and Visa card products. Members can access services through a mobile banking app, online banking portal, and branch locations.
RadiFi distinguishes itself through emphasis on local decision-making, rate claims to verify designed specifically for member benefit, and community partnerships. They partner with organizations like Jacksonville Waves and Jacksonville University Athletics and highlight reinvestment in Northeast Florida communities. The credit union promotes rapid account opening ("in minutes") and positions itself as member-focused rather than profit-driven, with testimonials from long-term members praising personal relationships with branch management.
As a credit union, RadiFi is fundamentally limited to members meeting field-of-membership requirements (geographic and/or occupational eligibility for Northeast Florida). The website does not clearly disclose these membership requirements or eligibility criteria. While they advertise rate claims to verify, actual rates depend on creditworthiness and underwriting factors, meaning advertised minimums may not be universally available. Their product offerings are standard for credit unions and may have limitations compared to larger national financial institutions.
This is state-level context for Credit Unions consumers in Jacksonville, FL. It does not confirm that Radifi or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Radifi offers 12 services including Auto loan refinancing with rates as low as 4.59% APR, Home equity loans starting at 5.75% APR, Home mortgages with $1,000 cash-back incentive on qualifying purchases, Make Waves Checking Account earning up to 4.00% APY, 13-Month Certificate Special at 3.75% APY, and 7 more.
Radifi has profile signals associated with Northeast Florida residents and employees eligible for membership seeking competitive auto loan refinancing and home equity products, Savers prioritizing high-yield checking and savings certificates with rates competitive to online banks, First-time homebuyers in the Jacksonville area looking for mortgage products with cash-back incentives, Small business owners in Northeast Florida needing business checking, credit cards, and local relationship banking.
Key strengths: Auto loan refinancing rates as low as 4.59% APR with additional 0.25% rate discount available; High-yield checking (Make Waves account) offering up to 4.00% APY competitive with online banks; 13-month certificate special at 3.75% APY with accessible $2,500 minimum deposit. Areas to consider: Membership eligibility requirements not clearly disclosed on website—likely geographic or occupational restrictions for Northeast Florida only; Advertised rates are minimums and actual APR depends on creditworthiness, credit score, loan term, LTV, and underwriting factors—not all applicants qualify.
In the Credit Unions category, comparable providers include American Airlines Federal Credit Union, Community First Credit Union, GTE Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
RadiFi Credit Union is profile signals for Northeast Florida residents and employees who qualify for membership and seek rate claims to verify on auto refinancing, mortgages, and high-yield savings products backed by local decision-making. The primary caveat is membership eligibility—applicants must meet undisclosed field-of-membership requirements, and advertised rates are minimums subject to credit and underwriting approval, not guaranteed for all borrowers.
American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.
Google rating from 67 reviews
Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify
Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.
Google rating from 1,813 reviews
Profile signals: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services
GTE Financial is a credit union serving members since 1935 with checking, savings, loans, mortgages, and credit cards. They emphasize member benefits, community involvement, and rate claims to verify.
Google rating from 279 reviews
Profile signals: Local Tampa Bay residents and businesses seeking comprehensive financial services with personalized local branch support, Members prioritizing community impact and charitable giving, as evidenced by $607,000 annual donations and volunteer engagement
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