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.  


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 

Special Share Certificates Rates 

Limited Time Offer 

  • 0.70%  APY for 24 month term*
  • 0.80% APY for 36-month term*
  • 1.00% APY for 48-month term*
  • 1.15% APY for 60-month term*

 *Annual Percentage Yield (APY) for a 24-month term share certificate is 0.70%APY with a 0.70% dividend rate. 36-month term share certificate is 0.80%, with a 0.80% dividend rate. 48-month term share certificate is 1.00%APY with a 1.00% dividend rate. 60-month term share certificate is 1.15% APY, with 1.16% dividend rate. Rates effective starting December 5, 2021, and may be changed without notice. Minimum balance to earn APY is $1,000.00. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Visit, a branch location or contact us at (352) 381-5200 for details.


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 The Roth IRA, including earnings, can be withdrawn tax-free in retirement.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

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


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.


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


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