Radiant Credit Union Gainesville FL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Radiant, where your financial well-being is our top priority! Nestled in the heart of Gainesville, FL, at 2516 Nw 43Rd St, we have been serving our community since 1957. With a robust membership of 48,457 and total assets amounting to an impressive $842,536,430, Radiant stands as a reliable partner in your financial journey. At Radiant, we believe that every member deserves personalized service and access to a wide range of banking options. Our offerings include checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Thanks to our dedicated team of 183 employees, led by CEO Tom Barnard and Board President Chad King, we are committed to making banking accessible and straightforward for everyone. While members can visit us at our branch address, official correspondence should be sent to the same location: 2516 NW 43rd St, Gainesville, FL 32606. Whether you're looking to finance a new vehicle or open your first account, we're here to help with resources tailored just for you. With total deposits exceeding $47,029,370 and a net worth of $76,068,407, you can trust that your money is safe with us. We also maintain a healthy cash reserve of $5,619,290, ensuring that we can meet your needs promptly. Explore more about our services or reach out today at 352-378-2125. Join us at Radiant and experience the credit union difference! Visit our website at https://www.radiantcu.org to learn more about what we can do for you. Your financial future starts here!

Branch History & Mission

Welcome to Radiant in Gainesville, FL! Since our doors first opened in 1957, we have been dedicated to serving our community with passion and commitment. What began as a small initiative has blossomed into a thriving credit union, currently boasting a total membership of 48,457 members and total assets of $842,536,430. Located at 2516 Nw 43Rd St Gainesville Fl 32606, just a short drive from local landmarks like the beautiful Kanapaha Botanical Gardens, our branch is designed to be accessible and welcoming for everyone. For any official correspondence, please send it to our mailing address: 2516 NW 43rd St, Gainesville, FL 32606. At Radiant, our mission is simple yet powerful: to provide personalized financial services while fostering a sense of community. We believe that financial well-being goes hand in hand with community support. Our members are not just account holders; they are part of a larger family committed to helping each other succeed. Whether you're looking for personal banking solutions, auto loans, or mortgage refinancing, we strive to make every interaction meaningful and beneficial. Over the years, we've adapted to the changing needs of our members by embracing technology. From online banking options and mobile payments to e-statements and person-to-person transfers, we prioritize convenience and accessibility without sacrificing security. Our commitment extends beyond just financial services; we aim to be ADA compliant and ensure that all members can access our facilities easily. In addition to offering traditional banking services, we actively engage with the community through various outreach programs and partnerships that uplift those around us. We believe in giving back, whether it's supporting local schools or participating in community events. We invite you to experience the benefits of being part of Radiant. Visit us during our operating hours Monday through Friday from 9:00 AM to 5:00 PM, or Saturday from 9:00 AM to 12:00 PM and discover how we can help you achieve your financial goals. You can also take advantage of our drive-thru service for quick transactions! Join us at Radiant today, where your success is our mission! Feel free to call us at (352) 378-2125 if you have any questions or need assistance. We look forward to welcoming you into our vibrant community!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We provide ample parking and ADA-compliant features, including ramps for easy entry. This commitment ensures that everyone can access our services comfortably.

Get in Touch

Ready to learn more? We encourage you to visit us or give us a call at 352-378-2125 for any questions or assistance. Our dedicated team at Radiant is eager to support you on your financial journey!

Operating Hours

Radiant is here for you during convenient hours. Our lobby welcomes members from Monday to Friday, 9:00 AM to 5:00 PM, while the drive-thru operates slightly earlier from 8:00 AM to 5:30 PM on weekdays. We also open on Saturdays from 9:00 AM to noon for those who need a little extra time to take care of their banking needs.

Services Offered

At Radiant, we offer a wide range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need assistance with a mortgage or refinancing? Our knowledgeable staff is ready to help guide you through the process. For quick transactions, enjoy our drive-thru banking services where you can handle deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, accessing cash has never been easier.

Member Eligibility

Joining the Radiant community means becoming part of a supportive family that truly cares about your financial well-being. At Radiant, we welcome anyone who lives, works, worships, or attends school in Alachua County to become a member. This inclusive approach ensures that everyone can benefit from our range of services designed with your needs in mind. By becoming a member at Radiant, you'll enjoy personalized support, competitive rates on loans and savings, and access to modern banking solutions that make managing your money simple and stress-free. Getting started is easy! You can check the full eligibility details at this link for the most updated information. If you're ready to open an account or have any questions, feel free to reach out to us at (352) 378-2125 or visit us at our branch located at 2516 Nw 43Rd St Gainesville Fl 32606. We can't wait to welcome you into the Radiant family!

Business Banking & Commercial Services

Commercial 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

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services equip you with the tools necessary for easy transactions, whether you're at a physical location or online. From credit card processing to invoicing capabilities, we help streamline your operations so you can devote more time to growing your brand. Visit us at 2516 Nw 43Rd St Gainesville Fl 32606 in Gainesville, FL, or call us at (352) 378-2125 to learn how our business banking and commercial services can propel your company forward!

Comprehensive List Of Services

Business Banking Support

If you run a business, you'll appreciate our business banking services, which include merchant services and business loans. We know how crucial it is for businesses to have reliable financial support, so we're here to help you thrive in your endeavors.

Convenient Digital Banking

In today's busy world, convenience is key. That's why at 43rd Street, we offer robust online and mobile banking features. You can easily manage your accounts anytime, anywhere whether it's checking balances or transferring funds between accounts. With our ATM and cash withdrawal services, accessing your money is straightforward and hassle-free.

In-Person Service Made Easy

For those who prefer face-to-face interactions, our branch offers basic drive-thru banking for deposits and withdrawals. This service allows you to complete simple transactions quickly without leaving your vehicle. You can also take advantage of our basic ATM access for withdrawing cash or checking balances at any time. We're here for you with friendly service during our lobby hours from Monday to Friday, 9 AM to 5 PM, and Saturday from 9 AM to 12 PM. --- We invite you to visit us at 2516 Nw 43Rd St Gainesville Fl 32606 in Gainesville, FL, or give us a call at (352) 378-2125 for more information about how we can assist you in achieving your financial dreams. Join us at Radiant, where we put members first!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds while earning interest on your savings. Our auto loans and vehicle financing options can help you get behind the wheel of your dream car without breaking the bank. If you're thinking about buying a home, our mortgage loans and refinancing options make it simpler than ever to own your property at competitive rates. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services provide the flexibility you need. Plus, our credit cards with rewards allow you to earn points on every purchase, turning everyday spending into exciting opportunities.

Digital & Online Banking

At Radiant, we understand that managing your finances should be easy and secure, no matter where you are. Our digital and online banking services are designed to give you convenient access to your accounts, making banking simpler than ever before. With our online banking platform available at https://www.radiantcu.org/, you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether it's day or night, our 24/7 online banking services ensure you have full control over your finances whenever you need it. Plus, with electronic signature authorization available, signing important documents has never been easier. For those who prefer a more hands-on approach, our mobile application allows you to manage your accounts right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or family is just a tap away. You can also enroll in e-statements to receive your account statements electronically, helping you stay organized while reducing paper clutter. Security is a top priority for us at Radiant. We implement robust measures to keep your information safe as you navigate through our digital services. This means you can bank with confidence knowing that your data is protected. In today's fast-paced world, having access to real-time account management is essential. Our digital banking tools empower you to monitor your transactions and make informed financial decisions quickly and easily. We strive to make banking accessible for everyone whether you're at home or out and about. Experience the convenience of modern banking with Radiant today! Check out all our digital offerings at https://www.radiantcu.org/ and take advantage of the flexibility they provide.

Financial Strength

Commitment to Service

Our strong operational efficiency is highlighted by our $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.

Focused on 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 $6,290 in used auto loans and $645,190,642 in total loans and leases support members' financial goals across various sectors.

Growing Together

The trust placed in us is reflected in our growing membership base, with a total of 119,170 accounts showing that more people are choosing Radiant as their financial partner. Our net shares available for lending stand at $117,871, further indicating our readiness to support your needs. 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 2516 Nw 43Rd St Gainesville Fl 32606 or call (352) 378-2125 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 Financial Health

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.

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. With a total of 12,580 auto loans available, we are committed to making your vehicle purchase as affordable as possible.

Credit Lines and Business Loans

For those looking for extra flexibility or business owners needing capital for growth and expansion, our total credit lines amounting to $237,003,764 provide an excellent resource. Additionally, our outstanding commercial loans totaling $114,237,203 ensure that businesses can thrive within our community. We also recognize that refinancing options may be beneficial based on your current circumstances. Whether it's refinancing an auto loan or exploring eligibility for better mortgage rates, our team is equipped to guide you through the process. 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 Credit Union in Gainesville, FL, we're dedicated to supporting your financial journey with clear options and reliable service. Visit us today to learn how we can help you reach your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $32,320,547, make buying or refinancing simple. We offer competitive rates and flexible terms that cater to different financial situations.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes 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 benefits designed to give you peace of mind while making purchases.

Loan Aggregator

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Radiant