Define Your Financial Future

secure Your Savings

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


Adjustable-Rate Certificate Term APY2 Dividend Min. Opening Deposit Compound Period
12-month Certificate 4.93% 4.81% $1,000.00 Daily
24-month Certificate 4.98% 4.86% $1,000.00 Daily


Secure 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.


Get Started Today

Open your Adjustable-Rate Certificate today in eBanking or on the Mobile App in just a few easy steps.

1.   Login to eBanking or the Mobile App.
2.   Under the Accounts menu header, select Quick Apply. 
3.   Next, select Checking and Savings Accounts – Apply Now.
4.   Next, select Certificates of Deposit.
5.   Next, simply choose the certificate you would like – the 12 or 24 Month Adjustable Rate Certificates are both options.
6.   Finally, complete your funding and amount to fund.

Open other online accounts too!

 quick apply now


If you are not currently a member of Radiant Credit Union please complete this form and someone will contact you shortly.

1) The Radiant Credit Union 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% APY 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