Credit union · NCUA insured
RadiFi Credit Union CD Rates
Top CarrotRadiFi Credit Union’s best CD rate is 4.91% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How RadiFi Credit Union’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where RadiFi Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
9-Month Share Certificate Special
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
3rd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
RadiFi Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.91%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.35%
- QualifiedQualified4.91%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where RadiFi Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
9-Month Share Certificate Special
4.91%APY · 1 term
Term for this Promotional Certificate is 9 months, with a minimum opening deposit of $500.00 from a source not on deposit within the 30 days period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. Penalty for early withdrawal. Fees may reduce earnings. Offer begins October 15, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNew money only | 4.91% | $366 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
17-Month Share Certificate Special (New Money Only)
4.30%APY · 1 term
Promotional Share Certificate accounts must be opened with new money only. APY is effective as of 10/5/2026. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|
| 17 monthsNew money only | 4.30% | 4.30% | 4.30% | 4.30% | 4.30% | 4.30% | 4.30% | 4.30% | 4.30%4.30% $25k–$50k4.30% $50k–$100k4.30% $100k–$250k4.30% $250k–$500k4.30% $500k–$750k4.30% $750k–$1,000k4.30% from $1,000k | $615 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
11-Month Flex Access Certificate Special
4.10%APY · 1 term
Promotional share certificate; must be opened with new money (funds not currently on deposit with RadiFi within the 30-day period preceding account opening or external source). Minimum opening deposit and minimum balance to earn dividends is $500.00. Dividends compounded and credited monthly. Two additional deposits of new money allowed within the first 60 days. One penalty-free partial withdrawal of up to $5,000 allowed before maturity after being open for at least 7 days. Renews to closest certificate term available at maturity. Offer begins September 1, 2026.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 11 monthsNew money only. Compounded and credited monthly | — | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10% | 4.10%4.10% $25k–$50k4.10% $50k–$100k4.10% $100k–$250k4.10% $250k–$500k4.10% $500k–$750k4.10% $750k–$1,000k4.10% from $1,000k | $375 |
| 11 monthsNew money only. Minimum balance to earn APY is $500.00. Compounded and credited monthly | 4.10% | — | — | — | — | — | — | — | — | —4.10% $500–$2.5k | — |
Sources (3)
All captured Oct 15, 2026
12-Month Term Certificate
2.70%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 12 months | 2.65% | 2.70% | 2.75% | 2.85% | 3.85% | 3.90% | 3.95% | 4.00% | 4.05% | 2.70%2.65% $500–$2.5k2.75% $25k–$50k2.85% $50k–$100k3.85% $100k–$250k3.90% $250k–$500k3.95% $500k–$750k4.00% $750k–$1,000k4.05% from $1,000k | $270 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
13-Month Share Certificate Special
3.90%APY · 1 term
APY is effective as of 10/1/2026. Fixed rate for the full 13-month term. Dividends credited monthly. Early withdrawal penalties may apply. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|
| 13 monthsDividends credited monthly | 3.90% | 3.90% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 3.90%3.90% $25k–$50k4.00% $50k–$100k4.00% $100k–$250k4.00% $250k–$500k4.00% $500k–$750k4.00% $750k–$1,000k4.00% from $1,000k | $423 |
Sources (2)
All captured Oct 15, 2026
24-Month Term Certificate
3.40%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 24 months | 3.40% | 3.40% | 3.40% | 3.50% | 3.50% | 3.55% | 3.80% | 3.85% | 3.85% | 3.40%3.40% $500–$2.5k3.40% $25k–$50k3.50% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.80% $500k–$750k3.85% $750k–$1,000k3.85% from $1,000k | $692 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
48-Month Term Certificate
3.35%APY · 1 term
Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 48 months | 3.35% | 3.35% | 3.35% | 3.45% | 3.50% | 3.55% | 3.75% | 3.85% | 3.85% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.45% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.75% $500k–$750k3.85% $750k–$1,000k3.85% from $1,000k | $1,409 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
30-Month Term Certificate
3.60%APY · 1 term
Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 months | 3.60% | 3.60% | 3.60% | 3.70% | 3.70% | 3.70% | 3.80% | 3.80% | 3.80% | 3.60%3.60% $500–$2.5k3.60% $25k–$50k3.70% $50k–$100k3.70% $100k–$250k3.70% $250k–$500k3.80% $500k–$750k3.80% $750k–$1,000k3.80% from $1,000k | $924 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
60-Month Term Certificate
3.35%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 60 months | 3.35% | 3.35% | 3.35% | 3.50% | 3.55% | 3.70% | 3.70% | 3.80% | 3.80% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.50% $50k–$100k3.55% $100k–$250k3.70% $250k–$500k3.70% $500k–$750k3.80% $750k–$1,000k3.80% from $1,000k | $1,791 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
6-Month Term Certificate
3.30%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 6 months | 3.30% | 3.30% | 3.30% | 3.40% | 3.50% | 3.55% | 3.60% | 3.65% | 3.70% | 3.30%3.30% $500–$2.5k3.30% $25k–$50k3.40% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.60% $500k–$750k3.65% $750k–$1,000k3.70% from $1,000k | $164 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
36-Month Term Certificate
3.35%APY · 1 term
Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 36 months | 3.35% | 3.35% | 3.35% | 3.40% | 3.45% | 3.45% | 3.45% | 3.55% | 3.55% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.40% $50k–$100k3.45% $100k–$250k3.45% $250k–$500k3.45% $500k–$750k3.55% $750k–$1,000k3.55% from $1,000k | $1,039 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
3-Month Term Certificate
2.90%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 months | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.15% | 3.25% | 2.90%2.90% $500–$2.5k2.90% $25k–$50k3.00% $50k–$100k3.00% $100k–$250k3.00% $250k–$500k3.00% $500k–$750k3.15% $750k–$1,000k3.25% from $1,000k | $72 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
18-Month Term Certificate
2.75%APY · 1 term
APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 18 months | 2.70% | 2.75% | 2.80% | 2.90% | 3.05% | 3.05% | 3.05% | 3.05% | 3.05% | 2.75%2.70% $500–$2.5k2.80% $25k–$50k2.90% $50k–$100k3.05% $100k–$250k3.05% $250k–$500k3.05% $500k–$750k3.05% $750k–$1,000k3.05% from $1,000k | $415 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)
1.00%APY · 1 term
APY is effective as of 10/1/2026. Variable rate. Longer-term variable rate personal goal savings certificates available for 36 month or 60 month terms. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY · Up to $2,500 | APY · $2,501 – $5,000 | APY · $5,001 – $7,500 | APY · Over $7,500 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 36–60 monthsVariable rate | 0.75% | 0.85% | 0.90% | 1.00% | 1.00%0.75% $0–$2.5k0.85% $2.5k–$5k0.90% $5k–$7.5k | $303 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
Personal Goal Short Term Certificates (12 or 18 month term)
0.75%APY · 1 term
Short term personal goal savings certificates available for 12 or 18 month terms. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
| Term | APY · Up to $500 | APY · $501 – $1,000 | APY · $1,000 – $1,500 | APY · Over $1,500 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12–18 months | 0.50% | 0.60% | 0.75% | 0.75% | 0.75%0.50% $0–$5000.60% $501–$1k0.75% $1k–$1.5k | $75 |
Sources (1)
- radificu.org/personal/certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.60%APY · 8 terms
Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year. Choose a timeline from 6 to 60 months. Similar to Saving Certificates but provide tax-deferred dividends. Penalties may apply to early withdrawals from an IRA account. Insured by NCUA to at least $250,000. Under the official Share & IRA Certificates schedule, terms from 6 to 60 months share the certificate rate schedule.
| Term | APY · $500 – $2,500 | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 – $500,000 | APY · $500,000 – $750,000 | APY · $750,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 6 months6-Month Term | 3.30% | 3.30% | 3.30% | 3.40% | 3.50% | 3.55% | 3.60% | 3.65% | 3.70% | 3.30%3.30% $500–$2.5k3.30% $25k–$50k3.40% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.60% $500k–$750k3.65% $750k–$1,000k3.70% from $1,000k | $164 |
| 12 months12-Month Term | 2.65% | 2.70% | 2.75% | 2.85% | 3.85% | 3.90% | 3.95% | 4.00% | 4.05% | 2.70%2.65% $500–$2.5k2.75% $25k–$50k2.85% $50k–$100k3.85% $100k–$250k3.90% $250k–$500k3.95% $500k–$750k4.00% $750k–$1,000k4.05% from $1,000k | $270 |
| 18 months18-Month Term | 2.70% | 2.75% | 2.80% | 2.90% | 3.05% | 3.05% | 3.05% | 3.05% | 3.05% | 2.75%2.70% $500–$2.5k2.80% $25k–$50k2.90% $50k–$100k3.05% $100k–$250k3.05% $250k–$500k3.05% $500k–$750k3.05% $750k–$1,000k3.05% from $1,000k | $415 |
| 24 months24-Month Term | 3.40% | 3.40% | 3.40% | 3.50% | 3.50% | 3.55% | 3.80% | 3.85% | 3.85% | 3.40%3.40% $500–$2.5k3.40% $25k–$50k3.50% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.80% $500k–$750k3.85% $750k–$1,000k3.85% from $1,000k | $692 |
| 30 months30-Month Term | 3.60% | 3.60% | 3.60% | 3.70% | 3.70% | 3.70% | 3.80% | 3.80% | 3.80% | 3.60%3.60% $500–$2.5k3.60% $25k–$50k3.70% $50k–$100k3.70% $100k–$250k3.70% $250k–$500k3.80% $500k–$750k3.80% $750k–$1,000k3.80% from $1,000k | $924 |
| 36 months36-Month Term | 3.35% | 3.35% | 3.35% | 3.40% | 3.45% | 3.45% | 3.45% | 3.55% | 3.55% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.40% $50k–$100k3.45% $100k–$250k3.45% $250k–$500k3.45% $500k–$750k3.55% $750k–$1,000k3.55% from $1,000k | $1,039 |
| 48 months48-Month Term | 3.35% | 3.35% | 3.35% | 3.45% | 3.50% | 3.55% | 3.75% | 3.85% | 3.85% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.45% $50k–$100k3.50% $100k–$250k3.55% $250k–$500k3.75% $500k–$750k3.85% $750k–$1,000k3.85% from $1,000k | $1,409 |
| 60 months60-Month Term | 3.35% | 3.35% | 3.35% | 3.50% | 3.55% | 3.70% | 3.70% | 3.80% | 3.80% | 3.35%3.35% $500–$2.5k3.35% $25k–$50k3.50% $50k–$100k3.55% $100k–$250k3.70% $250k–$500k3.70% $500k–$750k3.80% $750k–$1,000k3.80% from $1,000k | $1,791 |
Sources (3)
All captured Oct 15, 2026
Who can join RadiFi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Duval, Clay, Nassau, Baker, and St. Johns Counties are eligible to join.
Family and household
- Immediate family members of eligible or existing RadiFi members are eligible for membership.
Other ways
- Membership is open nationwide through partnership with the American Consumer Council (ACC), with the one-time fee covered by RadiFi.
Cost to join
- A $5 membership fee is required to establish RadiFi Credit Union membership.
- A $5 minimum deposit is required to establish RadiFi Credit Union membership.
Membership information collected October 5, 2026.