Protect Your Savings

Our adjustable-rate certificate protects your savings from rising inflation by adjusting to today's changing interest rates.

Adjustable-Rate Certificate Term APY2 Dividend Min. Opening Deposit Min. Balance to earn APY Compound Period
12-month Certificate 2.59% 2.56% $1,000.00 $10,000.00 Daily
24-month Certificate 2.64% 2.61% $1,000.00 $10,000.00 Daily

Protect your hard-earned savings from today’s inflation while also taking advantage of changing interest rates with Radiant Credit Union’s Adjustable-Rate Certificate. Our special Adjustable-Rate Certificate let’s you lock in the security of a great term savings rate while also adjusting to benefit from today’s changing interest rates.

How does it work? Radiant’s Adjustable-Rate Certificate is easy to open and offers terms of 12 or 24 months. The certificate rate is adjusted on January 1st and July 1st and is based on the 6-month Treasury Rate plus 0.05% for the 12-month term, or 0.10% for the 24-month term1. And, as always, you have the safety and security of being insured by the NCUA for up to $250,000.

In short, you get the benefit of higher certificate savings rates plus the benefit of bi-annual adjustments to account for ever-changing interest rates.

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1) The Radiant Credit Union Adjustable-Rate Certificate Annual Percentage Rate (APR) changes bi-annually on January 1st and July 1st. Certificate APR is adjusted to the 6-month Treasury Bill Rate, as published by the U.S. Department of the Treasury, plus 0.05% APR for the 12-month term or 0.10% APR for the 24-month term. Rates effective as of July 1, 2022. Minimum initial deposit $1,000. Minimum balance to earn APY is $10,000. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Adjustable-Rate Certificates are not eligible to receive bonus dividends. Refer to the Certificate Truth-in-Savings disclosure for details. Adjustable-Rate Certificates are not available for business accounts.

2) Annual Percentage Yield (APY) for 12-month Adjustable-Rate Certificate is 2.59% APY, dividend rate 2.56%. 24-month Adjustable-Rate Certificate is 2.64% APY, 2.61% dividend rate.

Our members are talking

I absolutely love Radiant! Making the switch to Radiant was the best decision!

Crystal W.
Chiefland, FL
Five Stars