Here is my HTML code
driver.findElement(By.id("26110162")).isSelected();
or
String str = driver.findElement(By.id("26110162")).getAttribute("checked");
if (str.equalsIgnoreCase("true"))
{
System.out.println("Checkbox selected");
}
if the ID is changing... use the following XPATH:
//input[span='Seleccionar como tarjeta predeterminada']
or
//input[@name='address' and @type='radio']