Savings Accounts

Even-Up Savings Account

Our exclusive savings account that helps your spare change add up.

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A smiling couple manages their Radiant Money Market Account on a laptop, benefiting from higher dividends and convenient account access.

Money Market Savings Account

Gain higher dividends for higher balances. Plus, have flexible access to your funds.

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Future Endeavors Savings Account

Start your children on the path to saving early.

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Health Savings Account

Save for future qualified medical expenses on a tax-free basis.

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A woman smiles while opening a Radiant Credit Union share certificate online to secure her savings and earn reliable monthly dividends.

Share Certificates

Secure your savings to earn more. Choose from a variety of terms and earn monthly dividends.

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Smiling couple uses their laptop to open IRAs through Radiant and Ascensus, taking steps toward financial stability and confident retirement planning.

Individual Retirement Account (IRA)

Individual Retirement Accounts (IRA) assist you in saving for your future.

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Special Share

Stress less knowing you'll have the cash you need to cover designated expenses.

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Direct Deposit

Deposit payday or monthly check automatically, plus access up to 24-hours early.

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	Regular Savings	Money Markets	Certificate Accounts
Key Benefit	Simplicity Straightforward savings	Liquidity Withdraw funds as needed while earning competitive dividends	Secure and steady growth Larger starting balance leads to higher earnings
Minimum Opening Balance	$5	$0	$1,000
Time Period	No time frame for maturity	No time frame for maturity	6 months to 5 years
Deposits	Funds can be added at any time	Funds can be added at any time	Funds can only be added at account opening or renewal
Withdrawals	Funds can be withdrawn at any time	Funds can be withdrawn at any time	Funds can only be withdrawn at account maturity without incurring a penalty
Minimum Balance to Earn APY	$500	$10,000	$10,000
Earnings Potential	Moderate earnings Typically earns less than money markets and certificates. Higher rate on balances above $10,000.	Higher earnings Typically earns more than regular savings, but less than certificates. Higher tiered rates on balances above $50,000.	Highest earnings Typically earns more than money markets and regular savings. Higher rates on longer terms.
Regular Savings	Key Benefit	Simplicity Straightforward savings	Minimum Opening Balance	$5	Time Period	No time frame for maturity	Deposits	Funds can be added at any time	Withdrawals	Funds can be withdrawn at any time	Minimum Balance to Earn APY	$500	Earnings Potential	Moderate earnings Typically earns less than money markets and certificates. Higher rate on balances above $10,000.
Money Markets	Key Benefit	Liquidity Withdraw funds as needed while earning competitive dividends	Minimum Opening Balance	$0	Time Period	No time frame for maturity	Deposits	Funds can be added at any time	Withdrawals	Funds can be withdrawn at any time	Minimum Balance to Earn APY	$10,000	Earnings Potential	Higher earnings Typically earns more than regular savings, but less than certificates. Higher tiered rates on balances above $50,000.
Certificate Accounts	Key Benefit	Secure and steady growth Larger starting balance leads to higher earnings	Minimum Opening Balance	$1,000	Time Period	6 months to 5 years	Deposits	Funds can only be added at account opening or renewal	Withdrawals	Funds can only be withdrawn at account maturity without incurring a penalty	Minimum Balance to Earn APY	$10,000	Earnings Potential	Highest earnings Typically earns more than money markets and regular savings. Higher rates on longer terms.

“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

“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."

Holly

“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