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 Credit Union.  With an initial $5 deposit, you have access to a broad range of exceptional products and services. As a member-owned, nonprofit 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 The Roth IRA, including earnings, can be withdrawn tax-free in retirement.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

SAVINGS PROGRAMS

Give your savings a boost

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 can enroll a child in the Future Endeavors program
  • 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.