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 527th largest credit union in the nation. It was established in 1957 and as of December of 2023, it had grown to 172 employees and 47,269 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

Reviews (1)

Poor Customer Service.

Posted by: |

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.



Health
B+

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees172
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD3.96%
Annual Interest Income$38.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$803.5MM$749.3MM
LoansQ4 2023vs Q4 2022$629MM$586.7MM
DepositsQ4 2023vs Q4 2022$690.3MM$638MM
Equity CapitalQ4 2023vs Q4 2022$66.3MM$63.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$8MM$5.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5MM$4.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
Report an Issue

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
10.00%*-$5kEven-Up Share
OTHER TIERS: 0.05% $5k+
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-Interest Checking
0.02%$100-Business Premier Checking

Radiant Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.51%$10k-24-month Adjustable Rate Certificate
5.51%$10k-Business 24-month Adjustable Rate Certificate
5.45%$10k-12-month Adjustable Rate Certificate
5.45%$10k-Business 12-month Adjustable Rate Certificate
4.13%$50k-6 Month Jumbo Certificate
4.13%$50k-Business 6 Month Jumbo Certificate
4.08%$10k-6 Month Certificate
4.08%$50k-12 Month Jumbo Certificate
4.08%$10k-Business 6 Month Certificate
4.08%$50k-Business 12 Month Jumbo Certificate
4.03%$10k-12 Month Certificate
4.03%$10k-Business 12 Month Certificate
3.98%$50k-24 Month Jumbo Certificate
3.98%$50k-Business 24 Month Jumbo Certificate
3.93%$10k-24 Month Certificate
3.93%$10k-Business 24 Month Certificate
3.82%$10k-36 Month Certificate
3.82%$10k-Business 36 Month Certificate
3.72%$10k-48 Month Certificate
3.72%$10k-Business 48 Month Certificate
3.56%$10k-60 Month Certificate
3.56%$10k-Business 60 Month Certificate

Radiant Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.51%$10k-24-month Adjustable Rate IRA Certificate
5.45%$10k-12-month Adjustable Rate IRA Certificate
4.13%$50k-6 Month Jumbo IRA
4.08%$10k-6 Month IRA
4.08%$50k-12 Month Jumbo IRA
4.03%$10k-12 Month IRA
3.98%$50k-24 Month Jumbo IRA
3.93%$10k-24 Month IRA
3.82%$10k-36 Month IRA
3.72%$10k-48 Month IRA
3.56%$10k-60 Month IRA
Locations


Cities: Alachua, Chiefland, Gainesville, Hawthorne, Lake City, Live Oak, Old Town

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 32606-6563

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

Old Town Branches
Branch Office25873 SE Highway 19Old Town, FL 32680

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.