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HOME LOANS AS LOW AS 5.99% APR1

Construction Loans

Build your dream home with confidence.

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Limited Time Only - October 1-31!

Special 5.99% APR1 available for:

  • Borrowers with 720+ credit score

  • New Home Purchases

  • One-Time Close Construction Loans

  • Mortgage Refinancing (of a Non-Radiant Mortgage)

  • 1st Mortgage Primary Residence

Radiant’s team of Home Loan professionals are ready to help you find the right financing option for your next step. From your first starter home to a home with a big back yard to a comfortable downsizing, Radiant home loans offer:

  • Easy online application and processing
  • Interest rate locks
  • Fast Loan Decisions

Construction Loans

At Radiant Credit Union, we understand that building a home is more than just a project – it’s a personal journey. That’s why our construction loan is designed to simplify the process while providing the dedicated, one-on-one support you deserve.

From blueprint to move-in day, our experienced lending team is with you every step of the way. We work closely with you and your builder to ensure a smooth, transparent financing experience tailored to your timeline and goals. Whether you're breaking ground on your first home or building your forever home, we’ll help you bring your vision to life with confidence.

What sets Radiant apart is our deep connection to the community. As a local credit union, we know the neighborhoods, the builders, and the market. Our team lives and works here too – and we’re invested in helping our members thrive. That local insight allows us to make quicker decisions and offer solutions that truly fit your needs.

Our streamlined construction loan combines the cost of building and your permanent mortgage into one convenient loan, minimizing paperwork and saving you time. Plus, enjoy peace of mind with a fixed interest rate and the cost savings of only one loan closing.

Radiant Construction Loan Features:

  • Cost savings with one loan closing

  • Work with the builder you choose

  • Set your fixed rate early

  • Loan terms up to 30 years

Understanding Escrow

Escrow accounts are used to pay property taxes, insurance, and other charges.

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Disclosures

1. As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1–31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union’s rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. NMLS ID 408361 

Maximum purchase LTV limited to 85% appraised value or purchase price whichever is less.

Our Members are Talking

“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!”

Ruthann
five stars

“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency." 

 
Holly
five stars

“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
five stars
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