Credit union · NCUA insured
RadiFi Credit Union Credit Card Rates
Top CarrotRadiFi Credit Union credit cards start at 12.65% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How RadiFi Credit Union’s credit card rates compare
Compared with banks and credit unions near Jacksonville, FL, where RadiFi Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
RadiFi Credit Union
12.65%APR
- Up to
- 18.00% APR
Platinum Visa Card
Lowest rate
Jax Fire Credit Union
8.64%APR
- Up to
- —
2nd-lowest rate
SUMA Federal Credit Union
9.00%APR
- Up to
- —
RadiFi Credit Union credit card score
69
Credit card score
Higher than 25% of U.S. banks and credit unions
- Purchase APRPurchase APR12.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RadiFi Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Jacksonville Waves Platinum Visa
No annual fee. Co-branded Jacksonville Waves card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40%–18.00% | None | Standard variable rate currently 12.40%–18.00% based on creditworthiness after 12-month promotional period ends. |
| Intro, 12 months | 1.90% | None | Introductory APR for 12 months on purchases made within first 90 days of opening account. After the 12-month promotional period ends, APR reverts to standard variable rate, currently 12.40%–18.00%, based on creditworthiness. |
Sources (1)
- radificu.org/jacksonville-waves-visa-credit-cards · captured Oct 5, 2026
Platinum Visa Card
No annual fee. Grace period of 25 days if balance is paid in full each month. Minimum payment is 2.00% of outstanding balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–18.00% | None | Standard variable APR based on creditworthiness. |
| Intro, 12 months | 1.90% | None | Introductory APR for 12 months on purchases made within first 90 days of opening account. After promotional period ends, APR reverts to standard variable rate (currently 12.40%-18.00% in disclosures or 12.65%-18.00% in main table) based on creditworthiness. |
Sources (2)
All captured Oct 5, 2026
Rewards Visa Card
No annual fee. Grace period of 25 days if balance is paid in full each month. Minimum payment is 2.00% of outstanding balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.65%–18.00% | None | — |
Sources (2)
All captured Oct 5, 2026
Secured Visa Card
Secured credit card to build or improve credit. Low fixed-rate. Credit limits begin at $500. Grace period of 25 days if balance is paid in full each month. Minimum payment is 2.00% of outstanding balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Fixed rate. |
Sources (1)
- radificu.org/personal/credit-cards · captured Oct 5, 2026
Signature Rewards Visa Card
No annual fee. Grace period of 25 days if balance is paid in full each month. Minimum payment is 2.00% of outstanding balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.15%–18.00% | None | — |
Sources (2)
All captured Oct 5, 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.