Radiant Credit Union Alachua FL | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Radiant, your trusted financial partner located at 14520 NW US Highway 441, Alachua, FL 32615. Established in 1957, we have proudly served our community for over six decades, supporting a vibrant membership of 48,457 individuals. At Radiant, we believe in empowering our members with the financial tools they need to thrive. Our commitment goes beyond just numbers. With total assets of $842,536,430 and deposits totaling $47,029,370, we focus on building lasting relationships within our community. Our experienced team is here to assist you with a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While members can visit us at our branch for personalized service, official correspondence should be sent to the same address: 14520 NW US Hwy 441, Alachua, FL 32615. You can also reach us by phone at 386-462-3900 for any inquiries. Under the leadership of CEO Tom Barnard and Board President Chad King, Radiant is dedicated to maintaining a strong financial foundation while offering support through innovative products like online and mobile banking. Our total loans stand at 30,373, reflecting our commitment to helping you achieve your financial goals. Join us today and discover how Radiant can illuminate your path to financial success! Visit our website at www.radiantcu.org for more information or to start your journey with us. We look forward to serving you!

Branch History & Mission

Welcome to Radiant, a credit union that has been shining brightly in Alachua, FL since 1957. Nestled at 14520 NW US Highway 441, our branch has grown alongside the community, proudly serving our members and their families for over six decades. With a commitment to excellence and a focus on local needs, Radiant has become a trusted financial partner for 48,457 members who depend on us for their banking solutions. Our journey began in a small office, but through hard work and dedication, we have expanded significantly. Today, we proudly manage total assets of over $842 million. This growth is not just measured in numbers; it reflects the trust our members place in us every day. Our mission is straightforward: to empower our members with accessible financial services while fostering a supportive environment that strengthens our community. At Radiant, we believe in providing more than just banking services; we strive to make a positive impact in Alachua and beyond. Our mission statement emphasizes not only financial well-being but also community support. We aim to help our members achieve their financial goals whether it's purchasing a new home, buying a car, or saving for the future while also giving back through various outreach initiatives. While you can visit us at our branch address in Alachua for all your banking needs, any official correspondence should be sent to the same address: 14520 NW US Hwy 441, Alachua, FL 32615. To serve you better, we offer various convenient options including ATM availability and drive-thru banking services during extended hours. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, with drive-thru service available until 5:30 PM on weekdays. Our commitment to innovation is evident in our digital advancements such as online banking and mobile payments. We ensure that all our services are user-friendly and accessible to everyone. Additionally, we prioritize ADA compliance so that all members of our community can enjoy our offerings. Radiant actively partners with local organizations to foster community development. Through these partnerships and outreach efforts, we work towards creating lasting change that benefits everyone in Alachua. We invite you to become part of the Radiant family today! Join us and experience firsthand how we can help you reach your financial dreams while also supporting the community we all love. For more information or to open an account with us, please call us at 386-462-3900 or visit our website. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

At Radiant, we understand that accessibility matters. Our branch features ample parking and is compliant with ADA standards, ensuring everyone can visit us without hassle. Whether you're stopping by for a quick transaction or have more complex banking needs, we're here to help in a comfortable setting.

Get in Touch

Have questions? Don't hesitate to reach out! You can call us at 386-462-3900 for assistance or simply drop by during our operating hours. We look forward to welcoming you into our Radiant family and helping you with all your financial needs!

Operating Hours

We want to make your experience as smooth as possible. Our lobby is open Monday through Friday from 9:00 am to 5:00 pm, while our drive-thru service runs slightly longer, closing at 5:30 pm. This gives you plenty of time to come by and take care of your banking tasks at your convenience!

Services Offered

Radiant offers a variety of services tailored to meet the diverse needs of our members. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are committed to helping you manage your finances effectively. Need cash? We also have an ATM available for quick withdrawals and balance checks. If you prefer the ease of banking from home or on-the-go, our online and mobile banking services are just a click away.

Member Eligibility

At Radiant, we believe that everyone deserves a chance to be part of a warm, welcoming community. If you're looking to become a member of Radiant, it's as easy as pie! Eligibility is open to anyone who lives, works, or worships in Alachua County and surrounding areas. You'll find that joining us opens the door to various benefits like competitive loan rates and personalized service that truly feels like family. To learn more about the specific eligibility requirements, feel free to check out our detailed information at this link. Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. You can kick off your membership journey right from the comfort of your home by visiting our account opening page here. If you have any questions along the way or prefer a personal touch, don't hesitate to give us a call at (386) 462-3900. We're excited to welcome you into the Radiant family!

Business Banking & Commercial Services

Comprehensive Merchant Services

In addition to loans, we offer robust merchant services designed to simplify payment processing for your business. Imagine being able to accept payments seamlessly from customers, whether they pay with a card or mobile wallet. This allows you to focus on what you do best running your business. With our easy-to-use systems and dedicated support team, managing transactions becomes effortless. Located at 14520 Nw Us Highway 441 Alachua Fl 32615 in Alachua, FL, our team is ready to partner with you on your journey to success. Let's build something great together! For more information, give us a call at (386) 462-3900 or visit our website at https://www.radiantcu.org/.

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $245 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $114,237,203, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, our drive-thru banking provides a simple way to handle deposits and withdrawals without leaving your car perfect for those busy days! At Radiant, we're committed to ensuring that your financial experience is positive and empowering. To learn more about how we can assist you or if you have any questions about our services, don't hesitate to reach out at (386) 462-3900 or visit us online at Alachua. We look forward to serving you!

Auto Loans and Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options can make that dream car a reality. We understand the excitement of driving off in a new ride, so we provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank.

Business Banking

For entrepreneurs, our business banking services include merchant services and business loans. We recognize that running a business comes with its own set of challenges. Our solutions are designed to help streamline operations and fuel growth.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Radiant offers robust online and mobile banking options. You can easily check balances, transfer funds, or pay bills right from your phone or computer. With features like person-to-person payments and mobile deposits, managing your money has never been easier.

Mortgage Loans and Refinancing

Homeownership is one of life's biggest milestones. Our mortgage loans and refinancing options are crafted to make this process as smooth as possible. Whether you're buying your first home or looking to refinance for better rates, our experienced team is here to guide you through every step.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that fit various lifestyles. Imagine having a checking account that not only helps you manage your daily expenses but also earns you rewards. With our credit cards with rewards, every purchase can bring you closer to exciting perks.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans for various needs, including debt consolidation. Picture consolidating multiple payments into one manageable monthly payment making budgeting easier than ever.

Digital & Online Banking

Enhanced Convenience

Need to send money to friends or family? Our person-to-person transfer feature makes it simple and quick. Whether it's splitting a dinner bill or sending a gift, money can change hands without the hassle of cash or checks. At Radiant, we're dedicated to making banking easier for you. With our comprehensive digital services, you'll find managing your finances not only accessible but also straightforward. We invite you to experience the convenience of modern banking today!

Key Features

With our online banking platform available at https://www.radiantcu.org/ , you can easily view your account balances, transfer funds, and pay bills with just a few clicks. If you prefer using your mobile device, our user-friendly mobile application lets you manage your accounts on the go. You can even make mobile payments for everyday purchases, ensuring you're always equipped for whatever life throws your way. We understand that security is a top concern for our members. That's why we offer electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Plus, with e-statements available, you can reduce paper clutter while still keeping track of your transactions in a safe and organized manner.

Financial Strength

Commitment to Growth

With $71,472,676 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $6,290 in used auto loans and $645,190,642 in total loans and leases. Our operational efficiency is reflected in our impressive $3,827,704, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 182 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $263,662,341 in share certificates and $107,598,567 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $256,265, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $76,068,407, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $902 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Reliability

Net Shares (Funds available for lending and investments): $117,871. Total Share and Deposit Accounts: 119,170, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Radiant is your trusted partner. Visit us at 14520 Nw Us Highway 441 Alachua Fl 32615 or call (386) 462-3900 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $114,535,384 in used vehicle loans and $74,107,908 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier for you to drive away in your dream vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $114,237,203 provide the capital needed to grow and expand your business. We know that every business is unique, and we're here to support you with tailored financing solutions. If you have any questions about our loan offerings or would like to discuss your specific needs, don't hesitate to reach out. You can contact us at (386) 462-3900 or visit us at our location: 14520 Nw Us Highway 441 Alachua Fl 32615, Alachua, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Radiant, we are committed to providing personalized service and practical financial solutions that empower our members for a brighter financial future.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $32,320,547, which make buying or refinancing simple. We offer various mortgage products tailored to fit different budgets and preferences. Plus, if you're considering refinancing your current mortgage, our team can guide you through the eligibility options available.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $42,435,921 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit you while providing easy access to funds when needed.

Loan Aggregator

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RADIANT CREDIT UNION - Alachua, FL