Radiant Credit Union Gainesville FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Radiant, your trusted financial partner located at 405 Se 2Nd Pl, Gainesville, FL 32601. Since our establishment in 1957, we have dedicated ourselves to serving our community with integrity and commitment. With a strong membership base of 48,457 individuals, we pride ourselves on being more than just a credit union; we are a part of the Gainesville family. At Radiant, we believe in empowering our members with the financial tools they need to succeed. Our total assets amount to an impressive $842,536,430, reflecting our stability and ability to support you through various financial needs. We offer a wide range of services including personal banking, auto loans, mortgages, and business loans. Whether you're looking for simple savings options or complex financing solutions, we've got you covered. Our team is led by experienced professionals like CEO Tom Barnard and Board President Chad King, who are committed to ensuring that you receive personalized service and guidance tailored to your unique financial journey. We're proud to have 183 employees working diligently to provide exceptional service every day. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 1162, Gainesville, FL 32627-1162. Feel free to reach out to us at 352-381-5200 or explore our website at Radiant Credit Union for more information. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

A Call to Action

As we look towards the future, we invite you to join us at Radiant. Experience the benefits of membership where your financial goals are met with personalized service and support. Whether you're looking for an auto loan or want assistance with saving for your dream home, we're here for you every step of the way. Contact us at (352) 381-5200 or visit us online at Radiant to learn more about how we can help you achieve your financial dreams!

Our Journey

From our humble beginnings, Radiant has grown significantly. With total assets now exceeding $842 million, we have continually adapted to meet the needs of our members. In addition to traditional banking services, we offer personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to innovation is evident in our digital offerings such as online and mobile banking, ensuring members can access their accounts anytime and anywhere.

Our Mission

At Radiant, our mission is clear: to empower our members financially while fostering a sense of community. We believe in providing not just financial products but also support that enriches lives. Our initiatives extend beyond banking; we actively participate in community outreach programs that uplift local families and businesses. We pride ourselves on being more than just a credit union; we are your partner in achieving financial well-being. While you can visit us at our branch for all your banking needs during lobby hours from Monday to Friday between 9:00 AM and 5:00 PM, you can also take advantage of our drive-thru services from 8:00 AM to 5:30 PM. For any official correspondence that needs to be sent by mail, please address it to PO Box 1162, Gainesville, FL 32627-1162.

Branch Location & Accessibility

Accessibility and Parking

At Radiant, we prioritize accessibility for all our members. Our branch is equipped with ramps and ADA-compliant features to ensure everyone can easily access our services. Additionally, we offer ample parking right outside the building, so you won't have to worry about finding a spot during your visit.

Get in Touch

Have questions or want to learn more about how we can assist you? Give us a call at 352-381-5200. We invite you to visit us at Radiant where excellent service meets convenience! We look forward to welcoming you soon!

Operating Hours

We're here when you need us! Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. If you're on the go, take advantage of our drive-thru service available from 8:00 AM to 5:30 PM on weekdays. This makes it even easier for you to handle your banking needs without leaving your car!

Services Offered

Radiant provides a range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need assistance with online banking? Our friendly staff is ready to guide you through everything from cash withdrawals at our ATM to setting up mobile payments.

Member Eligibility

At Radiant, we believe that everyone deserves a chance to be part of a community that supports their financial dreams. Becoming a member is simple and welcoming, designed for individuals who live, work, worship, or attend school in our vibrant area. We also invite family members of existing members to join us. This means you can easily access all the benefits we offer like personal banking services, auto loans, and mortgage options tailored just for you! If you're curious about the specific eligibility criteria, we encourage you to check out more details at https://offers.radiantcu.org/apply-for-checking-membership. Opening an account is just as easy as becoming a member. You can get started right away by visiting our website at https://offers.radiantcu.org/apply-for-checking-membership or by giving us a call at (352) 381-5200. Our friendly staff is ready to help you through every step of the process, ensuring you feel right at home here at Radiant located at 405 Se 2Nd Pl Gainesville Fl 32601. We can't wait to welcome you into our community!

Business Banking & Commercial Services

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.

Merchant Services

In addition to loans, we offer merchant services tailored for your day-to-day operations. Imagine having a payment solution that fits seamlessly into your business model, allowing you to accept payments easily while keeping track of sales efficiently. Our services ensure that managing transactions is hassle-free, letting you focus on what truly matters growing your business. Visit us at 405 Se 2Nd Pl Gainesville Fl 32601 in Gainesville, FL, or call us at (352) 381-5200 to learn more about how our business banking and commercial services can help turn your aspirations into reality!

Comprehensive List Of Services

ATM Services

With our ATM services available for withdrawals and balance checks, you'll have access to your money when you need it most. Additionally, our basic drive-thru banking allows you to complete deposits and simple transactions quickly without leaving your car. At Radiant, we're not just about banking; we're about building relationships with our members. Our knowledgeable team is ready to assist you with any questions or concerns you may have. Don't hesitate to reach out by calling us at 352-381-5200 during our lobby hours from Monday through Friday from 9:00 AM to 5:00 PM or utilize our drive-thru service until 5:30 PM on weekdays. Ready to take the next step? Explore all that Radiant has to offer by visiting us in person or online at www.radiantcu.org. Join us today and experience how we can help brighten your financial future!

Business Banking

For our business members, we provide tailored banking solutions that include merchant services and business loans. We understand that running a business comes with its challenges, so our team is ready to support you every step of the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms. With features like mobile payments, person-to-person transactions, and e-statements, managing your finances has never been easier. You can check balances, transfer funds, and pay bills from anywhere at any time.

Loans and Credit Cards

If you're looking for extra funds, our personal loans are perfect for debt consolidation or unexpected expenses. Plus, with our credit cards featuring rewards programs, you can earn benefits on every purchase. Imagine earning cash back on groceries or travel it's just one way we aim to enhance your financial journey.

Personal Banking

We offer a variety of personal banking options, including checking and savings accounts that cater to different lifestyles. Whether you're saving for a vacation or managing day-to-day expenses, our accounts provide flexibility and convenience. Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream car, while mortgage loans and refinancing solutions help you achieve homeownership with competitive rates.

Digital & Online Banking

Key Features for Your Convenience

You can say goodbye to the hassle of paperwork with our electronic signature authorization feature, making it simple to sign documents securely from anywhere. Plus, enjoy the ease of paperless transactions with e-statements available at your convenience. This not only helps the environment but also keeps your financial records organized and easy to access. For those who love the freedom of mobile banking, our user-friendly mobile application allows you to manage your finances on the go. You can make mobile payments, ensuring quick and safe transactions right from your smartphone. Need to split a bill with a friend? With our person-to-person transfers, sending money is as easy as a few taps on your screen.

Secure and Accessible Banking

Security is at the forefront of everything we do at Radiant. Our digital services are designed with advanced security measures to protect your information while providing an intuitive experience. You can feel confident knowing that your personal data is safe. In summary, Radiant is dedicated to making banking as accessible and straightforward as possible for all our members. Explore all these features today by visiting https://www.radiantcu.org/ and discover how easy managing your finances can be!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $71,472,676 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,290 in used auto loans and $645,190,642 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Trust

Total Share and Deposit Accounts: 119,170, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments stand at $117,871. 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 405 Se 2Nd Pl Gainesville Fl 32601 or call (352) 381-5200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us 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.

Operational Efficiency

Our $3,827,704 reflects our operational efficiency, 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.

Strong Financial Health

With a net worth of $76,068,407, we maintain robust 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.

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. Whether you're considering a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $114,237,203 provide the capital needed to seize opportunities and drive success. At Radiant, we also prioritize refinancing options to ensure that you're always getting the best deal available. To see if you're eligible for any of our loan products or refinancing options, please visit our eligibility page. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore these loan offerings and see how they can benefit you today!

Credit Lines

For those who need flexibility in their borrowing options, our credit lines total $237,003,764. This provides you with quick access to funds when unexpected expenses arise or when you want to make a large purchase without immediate payment.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $32,320,547, making it easier for you to take that important step towards owning your home.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why 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. These cards come with various benefits designed to suit your spending habits.

Loan Aggregator

Building Trust Through User Experiences

Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in meeting borrower needs while maintaining high standards of service. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that every loan offer presented is fair and transparent, allowing users to trust the information they receive. LendMesh stands out in several key areas: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

Radiant