Radiant Credit Union

Headquarters

4440 Nw 25th Pl
Gainesville, FL 32606
See all branch locations →

ACH 263178452

Notable Rates	APY	Vs.Others
Savings	10.00%	4.60% →
1-Year CD	4.44%	4.59% →
2-Year CD	4.49%	4.00% →
5-Year CD	3.56%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Radiant is an NCUA insured institution located in Gainesville, FL. It was founded in 1957 and has approximately $895.48 millions in assets.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 68723
Date Established	1957
Assets	$895.48 million
Loans	$677.23 million
Deposits	$772.83 million
Capital	$79.64 million

Deposit Rates - December 13, 2025

Your Current Location: South Carolina, SC 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Even-Up Share	10.00%	$0	$5,000	Learn More Reviews
Regular Share	0.05%	$500	$9,999	Learn More Reviews
Regular Share	0.08%	$10,000	-	Learn More Reviews
Money Market	0.10%	$10,000	$49,999	Learn More Reviews
Money Market	0.15%	$50,000	$99,999	Learn More Reviews
Money Market	0.20%	$100,000	$199,999	Learn More Reviews
Money Market	0.30%	$200,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Month	4.08%	$1,000	-	Learn More Reviews
6 Month Jumbo	4.13%	$50,000	-	Learn More Reviews
12 Month	4.03%	$1,000	-	Learn More Reviews
12 Month Adjustable	4.44%	$1,001	-	Learn More Reviews
12 Month Jumbo	4.08%	$50,000	-	Learn More Reviews
24 Month	3.93%	$1,000	-	Learn More Reviews
24 Month Adjustable	4.49%	$1,001	-	Learn More Reviews
24 Month Jumbo	3.98%	$50,000	-	Learn More Reviews
36 Month	3.82%	$1,000	-	Learn More Reviews
48 Month	3.72%	$1,000	-	Learn More Reviews
60 Month	3.56%	$1,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
IRA Share	0.08%	$500	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Interest	0.02%	$500	-	Learn MoreShow Less

Loan Rates - December 13, 2025

Your Current Location: South Carolina, SC 10007

There are currently no loan rates available for Radiant

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - South Carolina 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1881674	5.975%	5.875%	0.75	$3,450	$1,893	Learn More
NMLS ID: 6606	6.218%	6.125%	1.00	$3,178	$1,945	Learn More
NMLS ID: 1025894	6.353%	6.250%	0.88	$3,503	$1,971	Learn More

See More Mortgage Rates →

Featured - South Carolina Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

Note to Radiant
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Branches

Below are Radiant branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Myrtle Beach,South Carolina

Radiant Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours

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Climate Policy and Initiatives

RADIANT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Radiant Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Radiant. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Radiant	U.S. Average
7.01%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, Radiant had $5,383,152 in non-current loans and $659,700 in owned assets. To cover these potential losses it had $79,637,662 in net worth and $6,506,540 in loans loss reserves. That gives it a Texas Ratio of 7.01%.

Net Worth

Radiant	U.S. Average
8.89%	14.29%

Radiant FCU has a net worth of 8.89% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Radiant

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