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Radiant Credit Union


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

Radiant Credit Union is headquartered in Gainesville and is the 34th largest credit union in the state of Florida. It is also the 586th largest credit union in the nation. It was established in 1957 and as of September of 2020, it had grown to 143 employees and 39,797 members at 11 locations. Radiant Credit Union 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 Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #11789
Year Chartered1957
Employees143
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD10.11%
Annual Interest Income$16.5MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$570.2MM$490.8MM
LoansQ3 2020vs Q3 2019$406.2MM$394.4MM
DepositsQ3 2020vs Q3 2019$505.4MM$431.3MM
Equity CapitalQ3 2020vs Q3 2019$60.3MM$54.2MM
Loan Loss AllowanceQ3 2020vs Q3 2019$3.4MM$2.5MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$2.0MM$1.4MM
Real Estate OwnedQ3 2020vs Q3 2019$0$336.00K
Rates
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* 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+
0.08%*$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%$5-Future Endeavors Account
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
0.75%$1k-60 Month CD
0.75%$1k-Business 60 Month CD
0.70%$1k-48 Month CD
0.70%$1k-Business 48 Month CD
0.55%$1k-36 Month CD
0.55%$1k-Business 36 Month CD
0.52%$50k-24 Month Jumbo CD
0.52%$50k-Business 24 Month Jumbo CD
0.50%$1k-24 Month CD
0.50%$1k-36 Month SunStep CD
0.50%$1k-Business 24 Month CD
0.45%$1k-24 Month SunStep CD
0.42%$50k-12 Month Jumbo CD
0.42%$50k-Business 12 Month Jumbo CD
0.40%$1k-12 Month CD
0.40%$5k-Business 12 Month CD
0.32%$50k-6 Month Jumbo CD
0.32%$50k-Business 6 Month Jumbo CD
0.30%$1k-6 Month CD
0.30%$5k-Business 6 Month CD
Locations

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