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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 30th largest credit union in the state of Florida. It is also the 525th largest credit union in the nation. It was established in 1957 and as of June of 2023, it had grown to 166 employees and 46,393 members at 11 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

Related Posts

Radiant Credit Union Offers 4.93%/4.98% APY, 12- And 24-Month Adjustable-Rate Certificates PLUS...... - 2/12/2023

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

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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.

2


Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees166
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD3.65%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$804.5MM$732.7MM
LoansQ2 2023vs Q2 2022$618.7MM$550.6MM
DepositsQ2 2023vs Q2 2022$692.3MM$620.0MM
Equity CapitalQ2 2023vs Q2 2022$65.1MM$64.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$6.5MM$4.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.6MM$2.6MM
Real Estate OwnedQ2 2023vs Q2 2022$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
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
5.73%$10k-24-month Adjustable Rate Certificate
5.73%$10k-Business 24-month Adjustable Rate Certificate
5.68%$10k-12-month Adjustable Rate Certificate
5.68%$10k-Business 12-month Adjustable Rate Certificate
4.13%$50k-6 Month Jumbo CD
4.13%$50k-Business 6 Month Jumbo CD
4.08%$10k-6 Month CD
4.08%$50k-12 Month Jumbo CD
4.08%$10k-Business 6 Month CD
4.08%$50k-Business 12 Month Jumbo CD
4.03%$10k-12 Month CD
4.03%$10k-Business 12 Month CD
3.98%$50k-24 Month Jumbo CD
3.98%$50k-Business 24 Month Jumbo CD
3.93%$10k-24 Month CD
3.93%$10k-Business 24 Month CD
3.82%$10k-36 Month CD
3.82%$10k-Business 36 Month CD
3.72%$10k-48 Month CD
3.72%$10k-Business 48 Month CD
3.56%$10k-60 Month CD
3.56%$10k-Business 60 Month CD

Radiant Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.73%$10k-24-month Adjustable Rate IRA Certificate
5.68%$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

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