Radiant Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 10.00% 5.50% →
1-Year CD 5.53% 4.80% →
2-Year CD 5.58% 4.25% →
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% →

2024 Overview

General Credit Union Information

Radiant is an NCUA insured institution located in Gainesville, FL. It was founded in 1957 and has approximately $834.2 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68723
Date Established 1957
Assets $834.20 million
Loans $632.31 million
Deposits $715.68 million
Capital $75.60 million
 

Deposit Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Even-Up Share
10.00% $0 $5,000 Learn More
Regular Share
0.05% $500 $9,999 Learn More
Regular Share
0.08% $10,000 - Learn More
Money Market
0.10% $10,000 $49,999 Learn More
Money Market
0.15% $50,000 $99,999 Learn More
Money Market
0.20% $100,000 $199,999 Learn More
Money Market
0.30% $200,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Month
4.08% $1,000 - Learn More
6 Month Jumbo
4.13% $50,000 - Learn More
12 Month
4.03% $1,000 - Learn More
12 Month Adjustable
5.53% $1,001 - Learn More
12 Month Jumbo
4.08% $50,000 - Learn More
24 Month
3.93% $1,000 - Learn More
24 Month Adjustable
5.58% $1,001 - Learn More
24 Month Jumbo
3.98% $50,000 - Learn More
36 Month
3.82% $1,000 - Learn More
48 Month
3.72% $1,000 - Learn More
60 Month
3.56% $1,000 - Learn More
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 - November 21, 2024

Your Current Location: Ohio, OH 43085

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 - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Sebonic
NMLS ID: 66247
6.576% 6.500% 0.75 $2,544 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.953% 6.875% 0.63 $2,534 $2,103 Learn More
PADDIO
NMLS ID: 1907
7.093% 7.000% 1.00 $3,002 $2,129 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

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:
Columbus,Ohio


Radiant Locations around zip code 43085


BranchDistance Map View Lobby Hours


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
9.60% 5.83

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, 2024, Radiant had $7,129,822 in non-current loans and $755,599 in owned assets. To cover these potential losses it had $75,600,361 in net worth and $6,506,540 in loans loss reserves. That gives it a Texas Ratio of 9.60%.

Net Worth
Radiant U.S. Average
9.05% 13.93%

Radiant FCU has a net worth of 9.05% versus the BestCashCow average of 13.93. 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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