Thanks a Billion

1. Apply for and open a new savings (share) and checking (share draft) account and make three (3) VISA® Debit Card transactions in the first six (6) weeks following account opening.

2. Set up and receive your first direct deposit. Money will be credited to your account on the next business day of your account and/or loan being funded and/or receiving your first direct deposit.  

3. Open a new loan (over $10,000) or transfer an existing loan (over $10,000) to Radiant. Early account closing fee may apply. Membership and debit card eligibility rules apply. Offer valid from July 31, 2026, through August 31, 2026. 

4. The Annual Percentage Rate (APR) of 4.29% is based on a calculated APR of 4.29% and is offered for 63 months on new, used or refinanced non-Radiant Credit Union auto loans. Rate effective as of July 31, 2026, through August 31, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $50,276.05 new auto loan with no money down at 4.21% for 63 months would require 62 monthly payments of $890.91 and a final payment of $890.56, finance charge of $5,950.93, for total payments of $56,126.98. The amount financed is $50,176.79 with an APR of 4.29%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available. Offers are for standard passenger automobiles and trucks.

5. As of July 31, 2026, through August 31, 2026, personal loan rates are as low as 9.49% Annual Percentage Rate (APR). The rate you pay is based on your creditworthiness and the term of the loan and is disclosed at the time of your advance. Rates are subject to change without notice. Various rates and terms are available. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. Personal Loans over $5,000 include a $100 processing fee. Rates and terms are subject to credit approval. Example without the processing fee: A $4,014.35 personal loan at 9.49% for 60 months would require 59 monthly payments of $84.30 and a final payment of $84.11, finance charge of $1,043.46, for a total of payments of $5,057.81. The amount financed is $4,014.35 with an APR of 9.49%. Example with the processing fee: A $7,626.95 personal loan at 9.49% for 60 months would require 59 monthly payments of $160.16 and a final payment of $160.01, finance charge of $2,082.50, for a total of payments of $9,609.45. The amount financed is $7,626.95 with an APR of 10.06%. Refinance of existing Radiant Credit Union loans are excluded.

*Person(s) who currently have an account at Radiant Credit Union are not eligible.

6. 6.99% Annual Percentage Rate (APR) available for the purchase of new or used other titled property such as ATV/UTV, golf cart, or jet ski purchases, and refinancing of non-Radiant Credit Union loans, with terms up to 72 months. Must be current model year or previous calendar year. For refinances, NADA value must be available. Rate effective as of July 31, 2026, through August 31, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $18,163.70 new ATV loan with no money down at a rate of 6.79% for 72 months would require 71 monthly payments of $307.88 and a final payment of $307.11, finance charge of $4,102.89, for a total of payments of $22,166.59. The amount financed is $18,063.70 with an APR of 6.989%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available.

7. Annual Percentage Rate (APR) of 6.09% is based on a calculated APR of 6.093% and is offered for new or used boat purchases with terms up to 96 months and refinanced non-Radiant Credit Union boat loans. Rate effective as of July 31, 2026, through August 31, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $45,258.55 new boat loan with no money down at a rate of 6.03% for 96 months would require 95 monthly payments of $595.50 and a final payment of $594.83, finance charge of $12,008.78, for a total of payments of $57,167.33. The amount financed is $45,158.55 with an APR of 6.093%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available.

8. Annual Percentage Rate (APR) of 6.59% is based on a calculated APR of 6.591% and is offered for new or used Recreational Vehicle purchases with terms up to 84 months and refinanced non-Radiant Credit Union Recreational Vehicle loans. Rate effective as of July 31, 2026, through August 31, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $45,258.55 new RV loan with no money down at a rate of 6.520% for 84 months would require 83 monthly payments of $672.58 and a final payment of $672.06, finance charge of $11,337.65, for a total of payments of $56,496.20. The amount financed is $45,158.55 with an APR of 6.591%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available.

9. NO PURCHASE NECESSARY. Void where prohibited. Open to U.S. residents age 18 or older. Automatic entry with eligible funded loan or free mail-in entry. Up to eight (8) prizes of up to $500/month for up to 12 months (maximum $6,000 per prize). See Official Rules for complete details.