credit cards

Low Introductory Rate + Dime Back + Rewards!

Apply for a credit card. Apply for a VISA® Credit Card today and take advantage of our low interest rates. Apply member apply non-member Compare Credit CardsACTIVATE CARD INFO


For every qualifying purchase 3 you make with a Radiant Credit Union VISA® Credit Card, we will put a dime into your Radiant Credit Union Checking or Savings account.

These dimes are earned for each purchase with any Radiant Credit Card, including business cards, and are on top of our rewards program for our Platinum Rewards Card (That’s right! With the rewards card, you get both rewards and the automatic dimes!)


  • You earn 1 point for every $1 spent with your Radiant Credit Union Platinum Rewards VISA® Credit Card.
  • You can choose to redeem your points from among hundreds of items including gift cards, merchandise, travel experiences, charitable donations, fuel rewards or cash back.

Remember to use your Radiant Credit Union Rewards Card for all your purchases and watch the points add up. Visit to set up your account and start browsing rewards.

If you need any further assistance with the rewards program please call 888-205-1243.


visa secure logoVISA® Secure

Protecting you is our top priority. One way we do this is by preventing the unauthorized use of your card. During an online purchase, you may be guided through an extra check to verify your identity. This helps us ensure you are the rightful owner of the card and better protects you from fraud.

VISA® SRC (Secure Remote Commerce)

src logoVISA® SRC adds an extra layer of security making it harder for an unauthorized user to shop online with your VISA® card in the unfortunate event your information is lost or stolen.

  Find out more and enroll

VISA® Purchase Alerts

Know where your money is going. Get a text or email whenever you pay with your VISA® card.
To check your card eligibility or sign up for the alerts, cardholders can visit Visa Purchase Alerts.


Before you go, let us know!

If you are traveling internationally or just outside of your normal card usage area (VISA® Debit or Credit), please let us know so we can ensure you have safe and easy access to your funds while we continue to protect you from fraud.

You can send us notification via an email to, a secure message in eBanking. You may also just call or visit a branch. If you choose to email notification, please refrain from including private information, as email is not secure.


If your card is lost or stolen you can temporarily block any new transactions on your Radiant Credit Union VISA® Debit and/or Credit Card(s) via eBanking and/or the Radiant Credit Union mobile app.

  • Locking your card only impacts future card transactions
  • Any previous transactions will be paid
  • Locking your card will not affect your checks, mobile or internet transfers, bill payments or any other type of transaction on your account(s)

To lock your card(s) via eBanking or the mobile app, go to accounts, then Lock My Cards, then follow onscreen instructions.

Click HERE for step-by-step instructions for Locking Your Cards. 

Contact us to have your card permanently cancelled and reissued, or to report unauthorized transactions.



6-Month Introductory Rate of

4.99% APR2

then as low as

9.49% APR1

  • No Annual Fee
  • Dime Back 3


6-Month Introductory Rate of

4.99% APR2

then as low as

10.99% APR1

  • No Annual Fee
  • Dime Back 3
  • Earn 1 point for every dollar you spend. Rewards include gift cards, merchandise, travel experiences, charitable donations and cash back.
    Visit  to set up your account and start browsing rewards.



15.98% APR2

  • No Annual Fee
  • Dime Back 3
  • Build or reestablish your credit history
  • No co-signer required 

1All information is accurate as of 5/15/2021 and is subject to change. The rate you pay is based on your credit worthiness. Please call the credit union at (352) 381-5200 or 1-877-786-7828 for any changes that may be in effect after 5/15/2021. This card is issued by Radiant Credit Union pursuant to a license from VISA® U.S.A., Inc. 
2With approved credit. Valid for new cards only. After the initial 6 months your rate will go to the regular rate of 9.49%, 10.90% or 13.90% Annual Percentage Rate (APR) for Radiant Credit Union Platinum VISA®; 10.99%, 12.40%, or 15.40% APR for Radiant Credit Union Platinum VISA® with Rewards, based on your credit worthiness. May not be used to pay any Radiant Credit Union loan or VISA®, Excludes Pledged VISA®
3On qualifying purchases. Qualifying purchases do not include balance transfers, cash advances (including purchases of items that can be traded immediately for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions.

®VISA is a registered trademark of VISA International.

Fees & Rates  



VISA Card Benefits