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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Radiant Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: April 19, 2026
Radiant Credit Union's Fixed Rate Jumbo CDs 6 month rates are at 4.13%, 6 month Fixed Rate CDs rates are at 4.08%, Business Fixed Rate CDs 6 month rates are at 4.08%, Fixed Rate Jumbo CDs 12 month rates are at 4.08%, 12 Month HSA Fixed Rate CDs rates are at 4.03%. Radiant Credit Union's savings rates are at 0.08%. Radiant Credit Union's money market rates are at 0.10%. Radiant Credit Union's Personal Loan Rates are at 9.99%. 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 5.29%. Rates were last updated on 04/19/2026. 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. Radiant Credit Union
Radiant Operations Center (ROC) 4440 NW 25th Pl
https://www.radiantcu.org Gainesville, FL 32606 6563 
Radiant Credit Union CD Rates
Radiant Credit Union Savings Rates
Radiant Credit Union Money Market Rates
Radiant Credit Union Checking Rates
Radiant Credit Union Credit Card Rates
Radiant Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
185
Part-Time Employees
1
Branch Locations
11
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.29%
Return on Assets (ROA)
0.5174%
Return on Equity (ROE)
5.6881%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
895,123,083
Total Amount of Shares and Deposits
768,292,562
Total Shares and Deposits < 1 Year
741,437,327
Total Shares and Deposits 1 3 Years
24,677,512
Total Shares and Deposits > 3 Years
2,177,722
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
65,137,678
Total Uninsured Shares and Deposits > $250K (F+J)
65,137,678
Total Insured Shares and Deposits > $250K (item 17 less item K)
703,154,884
Total Interest Expense (Sum of items 6 8)
10,677,053
Share Certificates
6,885
Number of Accounts for Share Drafts
37,342
IRA KEOGH Accounts
1,479
Number of Accounts for Regular Shares
72,502
All other shares
170
Non Member Deposits
5
Money Market Shares
3,378
Net Income (unless the amount is already included in Undivided Earnings)
4,631,655
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
50,630,558
Total Liabilities
816,738,493
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Radiant Credit UnionIs Radiant Credit Union a safe place to deposit money?Yes, Radiant Credit Union is considered a safe financial institution. With a Texas Ratio of 5.2861546316816%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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