Savings Rates
Radiant Credit Union offers members high dividend rates that will help you reach your savings goals.
Consumer Savings Rates
Effective: July 1, 2025
APY = Annual Percentage Yield
Min. Balance = Minimum Balance to Earn APY
Dividend = Dividend Rate
Variable Rate Share Accounts
| SAVINGS | APY | Dividend | Min. Opening Deposit | Min. Balance to earn APY | Compound Period |
|---|---|---|---|---|---|
| Regular Share | 0.05% | 0.05% | $5.00 | $500.00 | Quarterly |
| 0.08% | 0.08% | $10,000.00 | Quarterly | ||
| Special Share | 0.05% | 0.05% | $5.00 | $500.00 | Quarterly |
| 0.08% | 0.08% | $10,000.00 | Quarterly | ||
| Future Endeavors | 0.50% | 0.50% | $0.00 | $5.00 | Quarterly |
| Even-Up Share* | 10.00% | 10.00% | $0.00 | $0.01 | Quarterly |
| 0.05% | 0.05% | $5,000.01 | Quarterly | ||
| IRA Share | 0.08% | 0.08% | $0.00 | $500.00 | Quarterly |
| Roth IRA Share | 0.08% | 0.08% | $0.00 | $500.00 | Quarterly |
| Health Savings Share | 0.08% | 0.08% | $0.00 | $500.00 | Quarterly |
| CHECKING | APY | Dividend | Min. Opening Deposit | Min. Balance to earn APY | Compound Period |
|---|---|---|---|---|---|
| Basic Checking | N/A | No Dividends are Earned | $0.00 | $0.00 | |
| Free Checking | N/A | No Dividends are Earned | $0.00 | $0.00 | |
| Interest Checking | 0.02% | 0.02% | $0.00 | $500.00 | Daily |
| MONEY MARKET | APY | Dividend | Min. Opening Deposit | Min. Balance to earn APY | Compound Period |
|---|---|---|---|---|---|
| Money Market | 0.10% | 0.10% | $0.00 | $10,000.00 | Daily |
| 0.15% | 0.15% | $0.00 | $50,000.00 | Daily | |
| 0.20% | 0.20% | $0.00 | $100,000.00 | Daily | |
| 0.30% | 0.30% | $0.00 | $200,000.00 | Daily |
| FIXED-RATE CERTIFICATES | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 6-month Certificate1 | 4.08% | 4.00% | $1,000.00 | Daily |
| 12-month Certificate1 | 4.03% | 3.95% | $1,000.00 | Daily |
| 24-month Certificate1 | 3.93% | 3.85% | $1,000.00 | Daily |
| 36-month Certificate1 | 3.82% | 3.75% | $1,000.00 | Daily |
| 48-month Certificate1 | 3.72% | 3.65% | $1,000.00 | Daily |
| 60-month Certificate1 | 3.56% | 3.50% | $1,000.00 | Daily |
| 12-month HSA Certificate1 | 4.03% | 3.95% | $1,000.00 | Daily |
| 24-month HSA Certificate1 | 3.93% | 3.85% | $1,000.00 | Daily |
| ADJUSTABLE RATE CERTIFICATES | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 12-month Adjustable Rate Certificate2 | 4.44% | 4.34% | $1,000.00 | Daily |
| 24-month Adjustable Rate Certificate2 | 4.49% | 4.39% | $1,000.00 | Daily |
| 12-month HSA Adjustable Rate Certificate2 | 4.44% | 4.34% | $1,000.00 | Daily |
| 24-month HSA Adjustable Rate Certificate2 | 4.49% | 4.39% | $1,000.00 | Daily |
| FIXED-RATE JUMBO SHARE CERTIFICATES | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 6-month Certificate3 | 4.13% | 4.05% | $50,000.00 | Daily |
| 12-month Certificate3 | 4.08% | 4.00% | $50,000.00 | Daily |
| 24-month Certificate3 | 3.98% | 3.90% | $50,000.00 | Daily |
More detailed information can be found in our Truth-In-Savings Disclosure.
*Even Up Share: For Even Up accounts, there is a minimum daily balance of $25.00 in your Checking share for the Even Up transfer to occur. If you fail to maintain the minimum daily balance of $25.00, the transfer will not take place. The amount for each Even Up transaction is transferred from the Checking share into the Even Up account at the end of each day. Refer to the Truth-In-Savings disclosure for full details.
1Annual Percentage Yield (APY) is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Truth-in Savings Disclosure for details.
2Adjustable-Rate Certificate Annual Percentage Yield (APY) is based on $10,000. APY changes bi-annually on January 1st and July 1st. Certificate APY is adjusted to the 6-month Treasury Bill Rate, as published by the U.S. Department of the Treasury, plus 0.05% APY for the 12-month term or 0.10% APR for the 24-month term. Refer to the Truth-in Savings Disclosure for details.
3APY is based on $50,000.00. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Truth-in Savings Disclosure for details.
Business Account Rates
| ACCOUNTS | APY | Dividend | Min. Opening Deposit | Min. Balance to earn APY | Compound Period |
|---|---|---|---|---|---|
| Business Shares | 0.05% | 0.05% | $25.00 | $100.00 | Quarterly |
| Business Checking | N/A | No Dividends are Earned | $0.00 | $0.00 | |
| Premier Checking | 0.02% | 0.02% | $0.00 | $100.00 | Monthly |
| Business Money Market | 0.10% | 0.10% | $0.00 | $10,000.00 | Daily |
| 0.15% | 0.15% | $0.00 | $50,000.00 | Daily | |
| 0.20% | 0.20% | $0.00 | $100,000.00 | Daily | |
| 0.30% | 0.30% | $0.00 | $200,000.00 | Daily |
| FIXED-RATE TERM SHARE CERTIFICATES | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 6-month Certificate1 | 4.08% | 4.00% | $1,000.00 | Daily |
| 12-month Certificate1 | 4.03% | 3.95% | $1,000.00 | Daily |
| 24-month Certificate1 | 3.93% | 3.85% | $1,000.00 | Daily |
| 36-month Certificate1 | 3.82% | 3.75% | $1,000.00 | Daily |
| 48-month Certificate1 | 3.72% | 3.65% | $1,000.00 | Daily |
| 60-month Certificate1 | 3.56% | 3.50% | $1,000.00 | Daily |
| ADJUSTABLE RATE SHARE CERTIFICATES | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 12-month Adjustable Rate Certificate2 | 4.44% | 4.34% | $1,000.00 | Daily |
| 24-month Adjustable Rate Certificate2 | 4.49% | 4.39% | $1,000.00 | Daily |
| FIXED-RATE JUMBO SHARE CERTIFICATES (Compound period: Daily) | APY | Dividend | Min. Opening Deposit | Compound Period |
|---|---|---|---|---|
| 6-month Certificate3 | 4.13% | 4.05% | $50,000.00 | Daily |
| 12-month Certificate3 | 4.08% | 4.00% | $50,000.00 | Daily |
| 24-month Certificate3 | 3.98% | 3.90% | $50,000.00 | Daily |
1 APY is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Business Share Certificate Disclosure for details.
2 Adjustable-Rate Certificate Annual Percentage Yield(APY) changes bi-annually on January 1st and July 1st. Certificate APY 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% APY for the 24-month term. Refer to the Truth-in Savings Disclosure for details. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Business Share Certificate Disclosure for details.
3APY is based on $50,000. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Truth-in Savings Disclosure for details.
