Radiant Credit Union

Radiant offers these as Regular and Traditional/Roth IRA certificates. As stated in the Truth-in-Savings Disclosure, rate adjustments work like this. "For 12 Month AdjustableRate Certificate accounts, the dividend rate and annual percentage yield may change January 1st and July 1st based on changes in the 6 month Treasury as of the last business day prior to the rate adjustment to which we add 0.05%. For 24 Month Adjustable-Rate Certificate accounts, the dividend rate and annual percentage yield may change January 1st and July 1st based on changes in the 6 month Treasury as of the last business day prior to the rate adjustment to which we add 0.10%." Early Withdrawal Penalty is 90 days and "if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal." Truth-in-Savings can be found here: https://www.radiantcu.org/document