“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!”
Personal Loans
JULY 31 - AUGUST 31, 2026
Special Thanks 9.49% APR1 Personal Loan!
We’re offering a limited-time only special “Thank You” rate in celebration of reaching $1 Billion in Assets. This rate is as low as 9.49% APR1 for 60 months.
1. As of July 31, 2026, through August 31, 2026, personal loan rates are as low as 9.49% Annual Percentage Rate (APR). The rate you pay is based on your creditworthiness and the term of the loan and is disclosed at the time of your advance. Rates are subject to change without notice. Various rates and terms are available. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. Personal Loans over $5,000 include a $100 processing fee. Rates and terms are subject to credit approval. Example without the processing fee: A $4,014.35 personal loan at 9.49% for 60 months would require 59 monthly payments of $84.30 and a final payment of $84.11, finance charge of $1,043.46, for a total of payments of $5,057.81. The amount financed is $4,014.35 with an APR of 9.49%. Example with the processing fee: A $7,626.95 personal loan at 9.49% for 60 months would require 59 monthly payments of $160.16 and a final payment of $160.01, finance charge of $2,082.50, for a total of payments of $9,609.45. The amount financed is $7,626.95 with an APR of 10.06%. Refinance of existing Radiant Credit Union loans are excluded.
Personal Loans
A Personal Loan gives you fast access to the funds you need for any purpose. Life happens. For the expected and unexpected expenses we all face, our Personal Loans can help you afford whatever you need. Vacations, auto repairs, medical bills, home upgrades, debt consolidation and more… we've got you covered!
Personal Loan Options
Signature Loan
Fixed-term, fixed rate signature loans are a great way to finance that dream vacation or consolidate revolving credit to pay off debt quicker.
- Lump-sum funding
- Fixed-rate payments
- Fixed-term
Line of Credit
Access cash when you need it most. When life throws an unexpected expense your way, tap into your personal Line of Credit.
- Funds available when you need them, anytime, for anything you want.
- Payments based on amount you actually use, not on amount of your line of credit limit.
- Use as automatic overdraft protection for your Radiant Credit Union Checking Account.
Share Secured
If you are looking to build or repair your credit history, or just need funds fast, consider a secured loan.
- Borrow against the funds held on deposit in your savings or certificate accounts at very low rates.
- Your savings will continue to earn dividends.
- Radiant's Share Secured Loan APR is based on the dividend rate of your pledged savings or Certificate account, plus 2.00%*.
Disclosures
*Share Secured Loans are secured by funds on deposit in a Radiant savings account or certificate account. The Annual Percentage Rate (APR) is based on the dividend rate of the pledged account, plus 2.00%. Funds securing the loan will be held as collateral until the loan is paid in full. APR is determined at loan origination based on the pledged account type. Subject to credit approval and membership eligibility. Other terms and conditions may apply.
Our Members are Talking
“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."
“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!”
