SAVINGS

Reach your savings goals with us!

A $5 deposit is all it takes to become a Radiant Credit Union member. Your Regular Share Savings Account represents your ownership in Radiant. With an initial $5 deposit, you have access to a broad range of exceptional products and services.

As a member-owned, not-for-profit financial institution, our growth is tied directly to yours.  

SAVINGS PRODUCTS

Share Certificates

Certificates, IRA Certificates and Jumbo Certificates are available at Radiant Credit Union!

  • Terms of 6-60 months
  • Any amount over the stated minimum
  • You can borrow against certificates

IRAs

Build a retirement plan that fits the life you imagine!

  • Traditional IRA

    Offers many taxpayers one of the best “shelters for deferring taxes” on some income.
  • Roth IRA

    Contributions to a Roth IRA are not tax-deductible. The Roth IRA, including earnings, can be withdrawn tax-free in retirement.

Check with your qualified tax professional on which plan is right for you, then visit our Retirement Central to open your plan online today!

  Savings Rates

EVEN-UP SAVINGS ACCOUNT

Even-Up Savings

Your spare change really adds up!

  • Make a purchase with your Radiant Credit Union VISA® Debit Card (signature and PIN transactions)
  • Purchase amount evened-up to the next dollar, with change transferred from your checking to your Even-Up Savings Account
  • Even-Up Savings Account earns up to a 4.00% Annual Percentage Yield (APY) – learn more

HEALTH SAVINGS

Save for future qualified medical expenses on a tax-free basis!

  • Designed for individuals with high deductible health plan (HDHP)
  • HSA’s (Health Savings) are an individually owned account to which you can make tax deductible contributions
  • Accumulate tax-deferred earnings
  • Take tax-free distributions whenever you need to pay for qualified medical expenses

For more information on HSAs, please visit Retirement Central.

FUTURE ENDEAVORS

Teach children the value of saving, it’s a valuable lifelong lesson!

  • A parent, grandparent, or other adult that is a joint owner on a minor account can open a Future Endeavors Account 
  • Initial deposit is just $5.00
  • The dividend rate is higher than our regular share rate

MONEY MARKET

A Radiant Credit Union Money Market Account gives your savings a boost with superior yields!

  • You will earn high money market yields on balances of $10,000 and above
  • Access funds online
  • Make up to six withdrawals each month