“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!”
Visa Credit Card Rates
Benefits of a Visa® Credit Card
Get extras and rewards when you get your Visa credit card through Radiant!
Rewards
Dime Back1 and Platinum Rewards put money back in your bank account (along with extras!)
No Annual Fees
Radiant Visa Credit Cards have no annual fee.
Convenience
Manage your account from anywhere with the Card Manager App, as well as online and mobile banking.
Low Rates
Visa Platinum Rewards and Platinum card have great rates as low as 9.49% APR.2
| Card Type | Rate Type | APR As Low As* | Annual Fee | Best For | ||||
|---|---|---|---|---|---|---|---|---|
| Visa Platinum | Fixed | 9.49% APR* | None | Members who want to take advantage of exclusive benefits and services. | ||||
| Visa Platinum Rewards | Fixed | 10.99% APR* | None | Members who want to take advantage of exclusive rewards. | ||||
| Visa Secured | Fixed | 15.98% APR* | None | Members who want to build or establish credit. | ||||
| Card Type Visa Platinum | Rate Type | Fixed | APR As Low As* | 9.49% APR* | Annual Fee | None | Best For | Members who want to take advantage of exclusive benefits and services. |
| Card Type Visa Platinum Rewards | Rate Type | Fixed | APR As Low As* | 10.99% APR* | Annual Fee | None | Best For | Members who want to take advantage of exclusive rewards. |
| Card Type Visa Secured | Rate Type | Fixed | APR As Low As* | 15.98% APR* | Annual Fee | None | Best For | Members who want to build or establish credit. |
1On qualifying purchases. Qualifying purchases do not include balance transfers, cash advances (including purchases of items that can be traded immediately for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions.
2 Subject to credit approval. All information is accurate as of 10/9/24 and is subject to change. The rate you pay is based on your credit worthiness. Please call the credit union at (352) 381-5200 or 1-877-786-7828 for any changes that may be in effect after 10/9/24. This card is issued by Radiant Credit Union pursuant to a license from Visa® U.S.A., Inc.
®Visa is a registered trademark of Visa International.
VISA Card Benefits
FAQs
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We’ll look at your credit report to see your credit history and credit score. Then, if you’re approved, you’ll find out your card rate based on your credit.
Borrowers who are interested in growing or establishing credit who apply for a Secured card will be required to secure their account with personal property or money.
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You’ll receive your Visa® credit card within 5-7 business days after your application is accepted.
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You will be charged a late payment or returned payment fee of up to $35.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
If you are 11 or more days late on your payment, a typical late fee is $25.00 or the amount of the required minimum payment, whichever is less.
You will be charged a late fee of $35.00 if you are late on payments in any of the six billing cycles after your first initial late payment, or the amount of the required minimum payment, whichever is less. -
For a $15 fee, we will replace your credit card.
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The annual percentage rate (APR) for both remains at the same APR as purchases
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You can use our online and mobile banking features to make on-time payments on your credit card balance. Access your Radiant CU accounts with any device, manage and view your transaction histories, review your eStatements, and more.
With our Mobile Wallet feature, you can also use your devices to make contactless transactions at any place that offers the option.
Our Card Manager app allows you to protect your accounts by restricting transactions, suspending your card, setting purchase alerts, setting travel notifications, and setting transaction limits.
Finally, we offer free online bill pay for ultimate convenience.
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In addition to our credit cards, we also offer the following loans:
- Auto and recreational vehicle loans
- Personal loans
- Home loans
- Business loans
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Yes, you do. Joining is quick and easy, and we even make the transition from your current financial institution as simple as possible with our Switch Kit.
Learn more about availability here.
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There is no fee for balance transfers or cash advance.
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In addition to our personal and business credit cards, we also offer the following borrowing options:
- Auto loans
- Recreational vehicle loans
- Personal loans
- Home loans
- Land loan
- Home equity lines of credit
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Yes, Radiant offers business credit cards and an array of business lending products, including:
- Owner-occupied commercial real estate loans
- SBA 504 loans for commercial real estate and equipment
- Investment commercial real estate loans
- Loans for multi-family properties
- Lines of credit
- Loans for business vehicles
- Construction, term, and church loans
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If you have additional questions, please contact us to talk to a Member Service Representative.
Our Members are Talking
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
