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Radiant Credit Union


Overview / Commentary
www.radiantcu.org
352-381-5200
4440 Nw 25Th Pl
Gainesville, FL 32606

Radiant Credit Union is headquartered in Gainesville and is the 31st largest credit union in the state of Florida. It is also the 549th largest credit union in the nation. It was established in 1957 and as of December of 2021, it had grown to 162 employees and 42,357 members at 10 locations. Radiant Credit Union's CD rates are 24% higher than the national average, and it has an A 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.
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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees162
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.89%
Annual Interest Income$23.9MM
Assets and Liabilities
AssetsQ4 2021$703.3MM
LoansQ4 2021$501.7MM
DepositsQ4 2021$593.3MM
Equity CapitalQ4 2021$65.4MM
Loan Loss AllowanceQ4 2021$3.4MM
Unbacked Noncurrent LoansQ4 2021$2.5MM
Real Estate OwnedQ4 2021$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Radiant Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Radiant Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$4kEven-Up Share
OTHER TIERS: 0.10% → $4k+
0.10%$5-Future Endeavors Account
0.08%*$10k*-Regular Share Account
OTHER TIERS: 0.05% → $500 - $10k
0.08%*$10k*-Special Share Account
OTHER TIERS: 0.05% → $500 - $10k
0.08%$500-IRA Share Account
0.08%$500-Roth IRA
0.08%$500-Health Saving Share
0.05%$100-Business Shares

Radiant Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$200k*-Money Market Account
OTHER TIERS: 0.10% → $10k - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $200k
0.30%*$200k*-Business Money Market
OTHER TIERS: 0.10% → $10k - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $200k

Radiant Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$500-Checking With Interest Account
0.02%$100-Business Premier Checking

Radiant Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.72%$10k-61 Month CD Special
1.72%$10k-Business 61 Month CD Special
1.51%$10k-49 Month CD Special
1.51%$10k-Business 49 Month CD Special
1.31%$10k-37 Month CD Special
1.31%$10k-Business 37 Month CD Special
1.17%$10k-24-month Adjustable Rate Certificate
1.15%$10k-60 Month CD
1.15%$10k-Business 60 Month CD
1.12%$10k-12-month Adjustable Rate Certificate
1.00%$10k-48 Month CD
1.00%$10k-Business 48 Month CD
0.80%$10k-36 Month CD
0.80%$10k-Business 36 Month CD
0.72%$50k-24 Month Jumbo CD
0.72%$50k-Business 24 Month Jumbo CD
0.70%$10k-24 Month CD
0.70%$10k-Business 24 Month CD
0.42%$50k-12 Month Jumbo CD
0.42%$50k-Business 12 Month Jumbo CD
0.40%$10k-12 Month CD
0.40%$10k-Business 12 Month CD
0.32%$50k-6 Month Jumbo CD
0.32%$50k-Business 6 Month Jumbo CD
0.30%$10k-6 Month CD
0.30%$10k-Business 6 Month CD
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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