“I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!”
Checking That Helps You Shine
Find Your Brighter Checking Account
Free Checking
Free Checking gives you an account free of monthly fees. Enjoy peace of mind with no minimum balance.
- Nickel Back Rewards1
- No minimum balance
- $0 monthly fee
Interest Checking
Earn dividends on every dollar. Earned Nickel Back Rewards1 are applied in addition to interest received.
- Nickel Back Rewards1
- Earns interest
- $5 monthly fee (balances below $500)
Basic Checking
The right account for reestablishing or starting your checking relationship.
- Nickel Back Rewards1
- No minimum balance
- $10 monthly fee
Youth Checking
Start your teen's (ages 14 - 17) financial independence and money management skills!
- Nickel Back Rewards1
- No minimum balance
- $0 monthly fee
Radiant Checking Benefits
Nickel Back Rewards1
Earn 5¢ for qualifying debit card purchases.
Early Direct Deposit
Get paid automatically, up to 24 hours early.
Digital Banking
Move, manage, and pay your money on the go.
Instant Debit Cards
New or replacement debit cards, ready right away.
Which Account is Right For You?
| Free Checking | Interest Checking | Basic Checking | Youth Checking | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Minimum Opening Deposit |
$25 |
$25 |
$25 |
$25 |
||||||||||||
|
Monthly Service Fee |
Not included |
$5 (balances below $500) |
$10 |
Not included | ||||||||||||
|
Requires Adult Joint Account Holder |
Not included | Not included | Not included | Included | ||||||||||||
|
Earns Interest |
Not included | Included | Not included | Not included | ||||||||||||
|
Visa Debit Card Access |
Included | Included | Included | Included | ||||||||||||
|
Nickel Back Rewards |
Included | Included | Included | Included | ||||||||||||
|
Free eBanking and Mobile App |
Included | Included | Included | Included | ||||||||||||
|
Free Monthly eStatements |
Included | Included | Included | Included | ||||||||||||
| Free Checking | Minimum Opening Deposit |
$25 |
Monthly Service Fee |
Not included | Requires Adult Joint Account Holder |
Not included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Interest Checking | Minimum Opening Deposit |
$25 |
Monthly Service Fee |
$5 (balances below $500) |
Requires Adult Joint Account Holder |
Not included | Earns Interest |
Included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Basic Checking | Minimum Opening Deposit |
$25 |
Monthly Service Fee |
$10 |
Requires Adult Joint Account Holder |
Not included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
| Youth Checking | Minimum Opening Deposit |
$25 |
Monthly Service Fee |
Not included | Requires Adult Joint Account Holder |
Included | Earns Interest |
Not included | Visa Debit Card Access |
Included | Nickel Back Rewards |
Included | Free eBanking and Mobile App |
Included | Free Monthly eStatements |
Included |
What Are Nickel Back Rewards?
Nickel Back Rewards are a 5¢ bonus instantly deposited to your checking account each time you make an eligible purchase with your Radiant Visa® Debit Card.1
If only you had a nickel for every time1 you used your Radiant Debit Card… wait, you do!
-
Nickels are deposited into your primary checking account once each day.
-
No minimum purchase amount required
Even Up Savings + Radiant Checking
An Even-Up Savings account really shines when paired with a Radiant Checking account.
When use your Radiant debit card for eligible purchases2, your purchases are rounded up to the next dollar and the extra change moves into savings automatically.
-
Savings balance earns interest up to 10.00% APR2
-
Funds to an Even-Up Savings account can only be added through the Even-Up program.
Get started with helpful tools for transferring your funds.
SwitchCards
Switch on easy subscription payment updates! Enter your Radiant card information across multiple subscriptions and shopping platforms in one place.
ClickSWITCH
Lighten your load of moving account services. Transfer recurring direct deposits and automatic payments from your previous financial institution to Radiant with this digital service.
Disclosures
1. Nickel Back Rewards paid on Radiant Visa Debit Card signature purchase transactions only. Excludes purchases using your PIN, ATM transactions, or purchases of other financial instruments (wire transfers, money orders, traveler’s checks) or for unauthorized or fraudulent transactions. No minimum purchase amount required. Earned nickels deposited once each day into account holder’s primary checking account.
2. The even-up amount will be withdrawn from your checking account and deposited into your Even-Up Savings. Dividend rate is 10.00%.10.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to $5,000.00. The APY for any amount over $5,000.00 is 0.05% APY. Rates current as of September 1, 2026. Rates subject to change. Please see current rate schedule for current rates. Even-ups from debit card transactions are accumulated and transferred daily as a single transaction. There must be $25 minimum in the checking account after all transactions post during nightly processing for the even-up posting to occur.
Our Members are Talking
Ruthann
“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."
Holly
“It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!”
Jon
