Radiant Credit Union is headquartered in Gainesville and is the 31st largest credit union in the state of Florida. It is also the 515th largest credit union in the nation. It was established in 1957 and as of June of 2024, it had grown to 175 employees and 48,009 members at 10 locations. Radiant Credit Union's CD rates are 6X the national average, and it 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 the Florida counties of Alachua, Bradford, Citrus, Columbia, Clay, Dixie, Gilchrist, Hamilton, Levy, Lafayette, Marion, Putnam, St. Johns, Suwannee or Union. Immediate family or current credit union members are also eligible to join.
See current membership details
Poor Customer Service.
Have been a great customer to Radiant for many years, from way back when they were Sunstate Federal Credit Union. Since they changed to Radiant, customer service has steadily declined. An ATM rejected my Radiant Visa and my Radiant Debit card. I don’t think this was Radiants fault, but when I tried to contact Radiant every layer of customer service they have failed miserably. The text message system they have to ask me to verify if I was trying to use the card declined my prompt answer of YES. So I called customer service. After the typical 4 minutes of recorded runaround I was connected to a ruse and ignorant rep, we exchanged tense words when she could not confirm my identity in spite of me giving massive personal info. So I tried the “chat” method, which was a computer not a person and could do nothing to help me. So went to the closest branch where “Kay” addressed the ATM issue (thanks!) but starred blankly at me when I informed her of the customer service system issues and never offered the slightest apology or offered any solution or avenue to resolve those issues. I have started the process of transferring my direct deposits and all my accounts and loans to other institutions.
Damn shame, try some simple customer service and hire a person to answer the phone.
Data as of Q2 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68723 |
| Year Chartered | 1957 |
| Employees | 175 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.81% |
| Return on Equity - YTD | 9.63% |
| Annual Interest Income | $21.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $834.2MM$804.5MM |
| Loans | Q2 2024vs Q2 2023 | $632.3MM$618.7MM |
| Deposits | Q2 2024vs Q2 2023 | $715.7MM$692.3MM |
| Equity Capital | Q2 2024vs Q2 2023 | $69.7MM$65.1MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $6.4MM$6.5MM |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $3.6MM$3.6MM |
| Real Estate Owned | Q2 2024vs Q2 2023 | $0$0 |