Radiant Credit Union


Overview / Commentary
352-381-5200
405 SE 2nd Place
Gainesville, FL 32601

Radiant Credit Union is headquartered in Gainesville and is the 32nd largest credit union in the state of Florida. It is also the 548th largest credit union in the nation. It was established in 1957 and as of December of 2022, it had grown to 177 employees and 44,790 members at 10 locations. Radiant Credit Union has a B+ health rating.

Field of Membership Restrictions

Radiant Credit Union is open to anyone who lives, works, worships, goes to school, or participates in associations headquartered in Alachua, Bradford, Citrus, Columbia, Clay, Dixie, Gilchrist, Hamilton, Levy, Lafayette, Marion, Putnam, St. Johns, Suwannee or Union counties. Immediate family or current credit union members are also eligible to join.
See current membership details

Related Posts

Radiant Credit Union Offers 4.93%/4.98% APY, 12- And 24-Month Adjustable-Rate Certificates PLUS...... - 2/12/2023

Radiant offers these as Regular and Traditional/Roth IRA certificates. As stated in the Truth-in-Savings Disclosure, rate adjustments work like this. "For 12 Month AdjustableRate Certificate accounts, the dividend rate and annual percentage yield may change January 1st and July 1st based on changes in the 6 month Treasury as of the last business day prior to the rate adjustment to which we add 0.05%. For 24 Month Adjustable-Rate Certificate accounts, the dividend rate and annual percentage yield may change January 1st and July 1st based on changes in the 6 month Treasury as of the last business day prior to the rate adjustment to which we add 0.10%." Early Withdrawal Penalty is 90 days and "if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal." Truth-in-Savings can be found here: https://www.radiantcu.org/document

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Health
B+

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees177
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD7.15%
Annual Interest Income$29.6MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$749.3MM$703.3MM
LoansQ4 2022vs Q4 2021$586.7MM$501.7MM
DepositsQ4 2022vs Q4 2021$638.0MM$593.3MM
Equity CapitalQ4 2022vs Q4 2021$63.8MM$65.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$5.9MM$3.4MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$4.5MM$2.5MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates

Rates for Radiant Credit Union are currently being reviewed.

Locations


Cities: Alachua, Chiefland, Gainesville, Hawthorne, Lake City, Live Oak, Newberry

Alachua Branches
Branch Office14520 NW US Highway 441Alachua, FL 32615-8204

Chiefland Branches
Branch Office1003 NW 22nd CtChiefland, FL 32626-1992

Gainesville Branches
Branch Office6305 SW Archer RdGainesville, FL 32608
Branch Office2516 NW 43rd StGainesville, FL 32606
Branch Office405 SE 2nd PLGainesville, FL 32601-6808
Corporate Office4440 NW 25th PlGainesville, FL 32606-6508

Hawthorne Branches
Branch Office6005 SE US Highway 301 Ste 101Hawthorne, FL 32640-7322

Lake City Branches
Branch Office1605 W US Highway 90Lake City, FL 32055-6125

Live Oak Branches
Branch Office2231 Ohio Ave NLive Oak, FL 32064-4857

Newberry Branches
Branch Office14133 W Newberry RdNewberry, FL 32669-2753

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