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Loans for Wherever Life Takes You

For the road. For the water. For whatever’s next.

First Coast Community Credit Union Logo
First Coast Community Credit Union Logo

Now Powered by Radiant

We're ready to help you finance your next car, boat, RV, or personal loan to go where your life takes you. Providing local service and more lending possibilities. All from the credit union you already know.

Easy online applications

Great low rates

Personal service you only get in your community

30-Year Fixed Home Loans as Low As 5.99% APR1

Family playing soccer in front of their new home.
Couple Looking at Washing Machine

APOPKA MARINE BOAT LOAN SPECIAL!

First Coast and Radiant Merger

The Best of Both

 While the name has changed, our commitment to serving you remains the same. As part of Radiant Credit Union, you'll continue to receive the personalized service and community-focused approach you've always known, now backed by expanded resources, additional branch locations, enhanced digital tools, and a broader range of financial solutions. 

 

Our promise to you: 

"We will deliver a timely, attentive, personalized experience

that leaves our members feeling valued!"

What you'll continue to enjoy

  • Local branch access and services catered to you.

  • Member-owned banking and community focused values.

  • Friendly, personalized support in your financial journey.

Plus, gain access to

  • Expanded ATM access and branch locations.

  • Enhanced online and mobile banking tools.

  • Reduced or eliminated fees.

  • More ways to save, borrow, and earn rewards.

Local Roots. Bigger Possibilities.

First Coast and Radiant members are now able to receive full services from these First Coast locations:

Crescent City

112 N. Summit Street
Crescent City, FL 32112
Phone: (386) 328-5555

Branch Details
Palatka

306 South Palm Avenue
Palatka, FL 32177
Phone: (386) 328-5555

Branch Details
St. Augustine

1700 US Hwy 1 South
St. Augustine, FL 32084
Phone: (386) 328-5555

Branch Details

Quick Links

Online Banking

With Radiant’s secure eBanking, you can perform transactions, transfers, payments, as well as set account alerts and schedule eBills from your home. 

Checking Accounts

Find a checking account that fits your lifestyle with convenient access and everyday banking tools.

Savings Accounts

Reach your financial goals with savings options designed to help your money grow.

Credit Cards

Build credit, earn rewards, and enjoy the flexibility of a card designed for your goals.

Vehicle Loans

Get on the road faster with competitive financing for cars, trucks, boats, RVs, and more.

Home Loans

From first homes to refinances, Radiant is here to help you navigate the journey.

Have Questions?

Find answers with our First Coast Community Credit Union Merger frequently asked questions.

Disclosures

1. 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. 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. The 5.99% promotional rate/APR cannot be combined with consumer paid discount points or other consumer-paid interest-rate buydown options. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.91% results in a 5.996% APR and an estimated monthly principal and interest payment of $1,781.33. Excludes taxes, insurance and assessments. Escrow may be required, if applicable. Membership eligibility required.

 

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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