Credit union · NCUA insured
RadiFi Credit Union Savings Rates
Top CarrotRadiFi Credit Union’s best savings rate is 1.00% APY on $10,000, with its Tidal Wave Money Market Account. Rates checked October 15, 2026.
How RadiFi Credit Union’s savings 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
1.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Tidal Wave Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
RadiFi Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tidal Wave Money Market Account
Up to 1.00%APY
Requires a minimum deposit of $2,500 of new money only to open the account. All deposits made to the Tidal Wave Money Market Account must be new money only (funds not currently on deposit with RadiFi Credit Union). Free of monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,499Requires new money only. | 0.40% | — | Requires new money only. |
| $2,500 and upRequires new money only. | 0.75% | $75 | Requires new money only. |
| $10,000 and upRequires new money only. | 1.00% | $100 | Requires new money only. |
| $25,000 and upRequires new money only. | 1.25% | — | Requires new money only. |
| $50,000 and upRequires new money only. | 1.50% | — | Requires new money only. |
| $100,000 and upRequires new money only. | 1.75% | — | Requires new money only. |
| $250,000 and upRequires new money only. | 3.00% | — | Requires new money only. |
| $500,000 and upRequires new money only. | 3.50% | — | Requires new money only. |
| $1,000,000 and upRequires new money only. | 4.00% | — | Requires new money only. |
Sources (2)
All captured Oct 5, 2026
Regular Money Market Account
Up to 0.85%APY
Free of any monthly service charges. Minimum opening deposit is $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,499 | 0.40% | — |
| $2,500 and up | 0.75% | $75 |
| $10,000 and up | 0.85% | $85 |
| $25,000 and up | 1.05% | — |
| $50,000 and up | 1.10% | — |
| $100,000 and up | 1.20% | — |
Sources (1)
- radificu.org/personal/money-market · captured Oct 5, 2026
Regular Savings
0.10%APY
Opening balance $10.00. $5.00 monthly fee waived with $100.00 min balance. Establishes membership. Debit card available with checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 monthly fee waived with $100.00 min balance.$100 and up | 0.10% | $10 | $5.00 monthly fee waived with $100.00 min balance. |
Sources (1)
- radificu.org/personal/savings · captured Oct 5, 2026
You-Name-It (Secondary) Savings
0.10%APY
Debit card available with checking account. $0 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- radificu.org/personal/savings · captured Oct 5, 2026
Special-purpose accounts
Youth Savings
1.00%APY
For kids 12 and under. A parent, legal guardian or other adult authorized must establish the account jointly. Debit card available with checking account. $0 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 1.00% | $100 |
Coverdell ESA
0.10%APY
Plan ahead for education expenses. Low minimum of just $1 to start. Insured by NCUA to at least $250,000. Penalties may apply to early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (1)
- radificu.org/personal/iras · captured Oct 5, 2026
Holiday Savings
0.10%APY
$10 fee for early withdrawals. Debit card available with checking account. $0 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- radificu.org/personal/savings · captured Oct 5, 2026
Traditional/Roth IRA
0.10%APY
Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year. Low minimum of just $1 to start. Insured by NCUA to at least $250,000. Penalties may apply to early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- radificu.org/personal/iras · 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.