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Radiant Credit Union


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

Radiant Credit Union is headquartered in Gainesville and is the 31st largest credit union in the state of Florida. It is also the 547th largest credit union in the nation. It was established in 1957 and as of June of 2022, it had grown to 166 employees and 43,594 members at 10 locations. Radiant Credit Union's CD rates are 3X 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.
See current membership details

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Health
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees166
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD10.34%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$732.7MM$626.5MM
LoansQ2 2022vs Q2 2021$550.6MM$461.8MM
DepositsQ2 2022vs Q2 2021$620.0MM$557.6MM
Equity CapitalQ2 2022vs Q2 2021$64.7MM$64.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$4.0MM$2.7MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.6MM$1.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$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%--Even-Up Share
0.50%$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
2.64%$10k-24-month Adjustable Rate Certificate
2.64%$10k-Business 24-month Adjustable Rate Certificate
2.59%$10k-12-month Adjustable Rate Certificate
2.59%$10k-Business 12-month Adjustable Rate Certificate
2.02%$10k-60 Month CD
2.02%$10k-Business 60 Month CD
1.77%$10k-48 Month CD
1.77%$10k-Business 48 Month CD
1.51%$10k-36 Month CD
1.51%$10k-Business 36 Month CD
1.26%$50k-24 Month Jumbo CD
1.26%$50k-Business 24 Month Jumbo CD
1.21%$10k-24 Month CD
1.21%$10k-Business 24 Month CD
1.06%$50k-12 Month Jumbo CD
1.06%$50k-Business 12 Month Jumbo CD
1.01%$10k-12 Month CD
1.01%$10k-Business 12 Month CD
0.55%$50k-6 Month Jumbo CD
0.55%$50k-Business 6 Month Jumbo CD
0.50%$10k-6 Month CD
0.50%$10k-Business 6 Month CD

Radiant Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.64%$10k-24-month Adjustable Rate IRA Certificate
2.59%$10k-12-month Adjustable Rate IRA Certificate
2.02%$10k-60 Month IRA
1.77%$10k-48 Month IRA
1.51%$10k-36 Month IRA
1.26%$50k-24 Month Jumbo IRA
1.21%$10k-24 Month IRA
1.06%$50k-12 Month Jumbo IRA
1.01%$10k-12 Month IRA
0.55%$50k-6 Month Jumbo IRA
0.50%$10k-6 Month IRA
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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