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Radiant Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 504th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 172 employees and 49,270 members at 11 locations. Radiant Credit Union's CD rates are 5X the national average, and it 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 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.

5


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68723
Year Chartered1957
Employees172
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.43%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$884.5MM$829.1MM
LoansQ1 2025vs Q1 2024$667.8MM$634.4MM
DepositsQ1 2025vs Q1 2024$764.9MM$712.3MM
Equity CapitalQ1 2025vs Q1 2024$74MM$68MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.7MM$7.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.8MM$4.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
10.00%*$0$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-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
4.44%$10k-Business 24-month Adjustable Rate Certificate
4.44%$10k-24-month HSA Adjustable Rate Certificate
4.38%$10k-12-month Adjustable Rate Certificate
4.38%$10k-Business 12-month Adjustable Rate Certificate
4.38%$10k-12-month HSA 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
4.03%$10k-12 Month HSA 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
3.93%$10k-24-month Adjustable Rate Certificate
3.93%$10k-24 Month HSA 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
4.44%$10k-24-month Adjustable Rate IRA Certificate
4.38%$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
0.08%$500-IRA Share Account
0.08%$500-Roth IRA
Locations

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