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Radiant Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Radiant Credit Union's top rates as of October 10, 2026 are 4.20% APY on its Adjustable Rate CD 24 month, 0.08% APY on savings, 0.30% APY on money market accounts, 0.02% APY on checking, 5.90% on its 30-year fixed-rate, first-lien mortgage loan, personal loans from 9.90% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Radiant Credit Union CD rates include Business Adjustable Rate CD - 24 month at 4.20%, Adjustable Rate CD 12 month at 4.14%, and Business Adjustable Rate CD - 12 month at 4.14%. MonitorBankRates evaluates the financial stability of Radiant Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.03%. Rates last updated and verified on 10/10/2026.

Radiant Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Radiant Credit Union? Share your experience about Radiant Credit Union by leaving a review below, or read customer reviews before you decide to use Radiant Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.03%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Radiant Credit Union
Radiant Operations Center (ROC)
4440 NW 25th Pl
Gainesville, FL 32606-6563
https://www.radiantcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Radiant Credit Union CD Rates

Product Rate APY Term View More
Adjustable Rate Certificate 24 month 4.11% 4.20% 24 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Adjustable Rate Certificate 12 month 4.06% 4.14% 12 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
6 Month Fixed Rate Jumbo Certificate 4.05% 4.13% 6 Months
Min Deposit $50,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month Fixed Rate Jumbo Certificate 4.00% 4.08% 12 Months
Min Deposit $50,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
6 Month Fixed Rate Certificate 4.00% 4.08% 6 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month Fixed Rate Certificate 3.95% 4.03% 12 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month HSA Certificate 3.95% 4.03% 12 Month
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month Fixed Rate Jumbo Certificate 3.90% 3.98% 24 Months
Min Deposit $50,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 6 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month Fixed Rate Certificate 3.85% 3.93% 24 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Sep 18, 2026: 3.93% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month HSA Certificate 3.85% 3.93% 24 Month
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Sep 18, 2026: 3.93% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
36 Month Fixed Rate Certificate 3.75% 3.82% 36 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Adjustable Rate Certificate 24 Month HSA 3.69% 3.76% 24 Month
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 10, 2026: 3.76% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
48 Month Fixed Rate Certificate 3.65% 3.72% 48 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Adjustable Rate Certificate 12 Month HSA 3.64% 3.71% 12 Month
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 10, 2026: 3.71% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
60 Month Fixed Rate Certificate 3.50% 3.56% 60 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Business CD Rates

Product Rate APY Term View More
Business Adjustable Rate Certificate - 24 month 4.11% 4.20% 24 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Business Adjustable Rate Certificate - 12 month 4.06% 4.14% 12 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.14% APY · checked 6 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
6 Month Business Fixed Rate Certificate 4.00% 4.08% 6 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month Business Fixed Rate Certificate 3.95% 4.03% 12 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month Business Fixed Rate Certificate 3.85% 3.93% 24 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.93% APY · checked 6 times
3.43%3.93%4.43%Sep 14, 2026: 3.93% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
36 Month Business Fixed Rate Certificate 3.75% 3.82% 36 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
48 Month Business Fixed Rate Certificate 3.65% 3.72% 48 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
60 Month Business Fixed Rate Certificate 3.50% 3.56% 60 Months
Min Deposit $1,000
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Savings Rates

Product Rate APY View More
Health Savings Share 0.08% 0.08%
Min Deposit $0
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 0.30% 0.30%
Min Deposit $0
Min Balance $200,000
Details Balance: $200,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Money Market Account 0.20% 0.20%
Min Deposit $0
Min Balance $100,000
Details Balance: $100,000 - $199,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Money Market Account 0.15% 0.15%
Min Deposit $0
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Money Market Account 0.10% 0.10%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market 0.30% 0.30%
Min Deposit $0
Min Balance $200,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Business Money Market 0.20% 0.20%
Min Deposit $0
Min Balance $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Business Money Market 0.15% 0.15%
Min Deposit $0
Min Balance $50,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Business Money Market 0.10% 0.10%
Min Deposit $0
Min Balance $10,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Checking Rates

Product Rate APY View More
Interest Checking 0.02% 0.02%
Min Deposit $25
Min Balance $500
Details Compound Period: Daily
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Business Checking Rates

Product Rate APY View More
Business Premier Checking 0.02% 0.02%
Min Deposit $0
Min Balance $100
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Mortgage Rates

Product Rate Points APR Term View More
30-year fixed-rate, first-lien mortgage loan 5.90% - 5.99% 30 years
Details As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1-31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union's rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. NMLS ID 408361
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Car Loan - - 4.789% 75 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 6 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Used Car Loan - - 5.19% 75 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 6 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New RV Loan - 7.218% 96 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.22% APR · checked 6 times
6.72%7.22%7.72%Sep 14, 2026: 7.22% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Motorcycle Loans - New - 7.642% 51 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 6 times
7.14%7.64%8.14%Sep 14, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Used RV Loan - 7.718% 96 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.72% APR · checked 6 times
7.22%7.72%8.22%Sep 14, 2026: 7.72% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Motorcycle Loans - Used - 8.143% 51 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.14% APR · checked 6 times
7.64%8.14%8.64%Sep 14, 2026: 8.14% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
New RV Loan - 8.179% 60 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.18% APR
7.68%8.18%8.68%Oct 10, 2026: 8.18% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards - 10.99%
Details As Low As; Members who want to take advantage of exclusive rewards.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Secured - 15.98%
Details As Low As; Members who want to build or establish credit.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 15.98% APR · checked 6 times
15.48%15.98%16.48%Sep 14, 2026: 15.98% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Line of Credit 9.90% revolving
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 6 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Unsecured Personal Loan 10.657% 48 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.66% APR · checked 6 times
10.16%10.66%11.16%Sep 14, 2026: 10.66% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%

Radiant Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Secured Loan - - 7.50% 36 months
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Business Shares 0.05% - 0.05%
Min Deposit $25
Min Balance $100
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Even-Up Share 0.05% - 0.05%
Min Deposit $0
Min Balance $5,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Future Endeavors 0.50% - 0.50%
Min Deposit $0
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
IRA Share 0.08% - 0.08%
Min Deposit $0
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Regular Share 0.05% - 0.05%
Min Deposit $5
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Regular Share 0.08% - 0.08%
Min Deposit $5
Min Balance $10,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Roth IRA Share 0.08% - 0.08%
Min Deposit $0
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Special Share 0.05% - 0.05%
Min Deposit $5
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Special Share 0.08% - 0.08%
Min Deposit $5
Min Balance $10,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Radiant Credit Union’s Texas Ratio fell from 5.87% in Q3 2023 to 3.03% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.87% A+ Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.03% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.1B3.03%5.0A+
March 31, 2026$1.1B2.97%5.0A+
December 31, 2025$1.1B3.55%5.0A+
September 30, 2025$895M4.88%5.0A+
June 30, 2025$895M3.97%5.0A+
March 31, 2025$885M4.43%5.0A+
December 31, 2024$855M4.63%5.0A+
September 30, 2024$843M4.79%5.0A+
June 30, 2024$834M4.38%5.0A+
March 31, 2024$829M5.52%5.0A+
December 31, 2023$803M6.22%5.0A
September 30, 2023$804M5.87%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Radiant Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Radiant Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Radiant Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Radiant Credit Union
Website https://www.radiantcu.org
Address 4440 NW 25th Pl, Gainesville, FL 32606-6563
Phone 352-381-5200
Fax
President Chad King
CEO Tom Barnard
Full-Time Employees 220
Part-Time Employees 1
Branch Locations 14
ATM Locations 14
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.03%
Return on Assets (ROA)
0.2936%
Return on Equity (ROE)
3.0900%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
1,121,430,901
Total Amount of Shares and Deposits
969,374,032
Total Shares and Deposits < 1 Year
941,259,932
Total Shares and Deposits 1 3 Years
25,404,809
Total Shares and Deposits > 3 Years
2,709,291
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
73,088,236
Total Uninsured Shares and Deposits > $250K (F+J)
73,088,236
Total Insured Shares and Deposits > $250K (item 17 less item K)
896,285,796
Total Interest Expense (Sum of items 6 8)
7,649,203
Share Certificates
7,993
Number of Accounts for Share Drafts
44,806
IRA KEOGH Accounts
1,785
Number of Accounts for Regular Shares
84,705
All other shares
208
Non Member Deposits
5
Money Market Shares
3,351
Net Income (unless the amount is already included in Undivided Earnings)
3,292,359
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
138,452,519
Total Liabilities
1,018,080,607
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Radiant Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/radiant-credit-union-rates-review-68723">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Radiant Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Radiant Credit Union

How many branches does Radiant Credit Union operate?

Radiant Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Radiant Credit Union?

Yes, to access services at Radiant Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Radiant Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Radiant Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Radiant Credit Union offer online and mobile banking?

Most modern institutions like Radiant Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.radiantcu.org.

Current Radiant Credit Union Rates

  • 12-Month CD3.71%
  • 24-Month CD3.76%
  • 60-Month CD3.56%
  • Savings0.08%
  • MMA0.30%
Retrieved from our database of financial products. Rates subject to change.

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