Savings Rates

 

Radiant Credit Union offers members high dividend rates that will help you reach your savings goals.

 

Consumer Savings Rates

Effective: November 14, 2022

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
  10.00% 0.05%   $4,000.01 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 Monthly

 

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%   $50,000.00 Daily
  0.20% 0.20%   $100,000.00 Daily
  0.30% 0.30%   $200,000.00 Daily

 

 

 

FIXED-RATE TERM SHARE CERTIFICATES APY Dividend Min. Opening Deposit Compound Period
6-month Certificate1 1.77% 1.75% $1,000.00 Daily
8-month Certificate Special1 4.34% 4.25% $1,000.00 Daily
12-month Certificate1  2.63% 2.60% $1,000.00 Daily
24-month Certificate1 2.79% 2.75% $1,000.00 Daily
36-month Certificate1  3.05% 3.00% $1,000.00 Daily
48-month Certificate1  3.56% 3.50% $1,000.00 Daily
60-month Certificate1  2.79% 2.75% $1,000.00 Daily

 

 

ADJUSTABLE RATE SHARE CERTIFICATES APY Dividend Min. Opening Deposit Compound Period
12-month Adjustable Rate Certificate2 2.59% 2.56% $1,000.00 Daily
24-month Adjustable Rate Certificate2 2.64% 2.61% $1,000.00 Daily

 

FIXED-RATE JUMBO SHARE CERTIFICATES APY Dividend Min. Opening Deposit Compound Period
6-month Certificate3 1.82% 1.80% $50,000.00 Daily
12-month Certificate3 2.69% 2.65% $50,000.00 Daily
24-month Certificate3 2.84% 2.80% $50,000.00 Daily

 

*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 Certificate 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 Certificate Truth-in Savings 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 Certificate 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%   $50,000.00 Daily
  0.20% 0.20%   $100,000.00 Daily
  0.30% 0.30%   $200,000.00 Daily

 

 
FIXED-RATE TERM SHARE CERTIFICATES  APY Dividend Min. Opening Deposit Compound Period
6-month Certificate1 1.77% 1.75% $1,000.00 Daily
12-month Certificate1  2.63% 2.60% $1,000.00 Daily
24-month Certificate1 2.79% 2.75% Daily Daily
36-month Certificate1  3.05% 3.00% $1,000.00 Daily
48-month Certificate1  3.56% 3.50% $1,000.00 Daily
60-month Certificate1  2.79% 2.75% $1,000.00 Daily
ADJUSTABLE RATE SHARE CERTIFICATES APY Dividend Min. Opening Deposit Compound Period
12-month Adjustable Rate Certificate5 2.59% 2.56% $1,000.00 Daily
24-month Adjustable Rate Certificate5 2.64% 2.61% $1,000.00 Daily

 

FIXED-RATE JUMBO SHARE CERTIFICATES (Compound period: Daily) APY Dividend Min. Opening Deposit Compound Period
6-month Certificate3 1.82% 1.80% $50,000.00 Daily
12-month Certificate3 2.69% 2.65% $50,000.00 Daily
24-month Certificate3 2.84% 2.80% $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 Certificate Truth-in Savings Disclosure for details.is based on $100,000.  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 Certificate Truth-in Savings Disclosure for details.