Radiant Credit Union Lake City FL | Affordable Vehicle Loans & Top Checking

Introduction

At Radiant, we believe in building strong relationships and empowering our community. Located at 1659 W Us Highway 90, Lake City, FL 32055, our branch has been a trusted financial partner since 1957. With a commitment to serving our 48,457 members, we take pride in offering personalized banking solutions tailored to your needs. Radiant is more than just a credit union; we're a hub for financial growth with total assets of $842,536,430 and total deposits reaching $47,029,370. Our dedicated team, led by CEO Tom Barnard and Board President Chad King, consists of 183 employees who work tirelessly to ensure you receive the best service possible. Our commitment to community impact goes beyond numbers. We've facilitated over 30,373 loans and leases, helping members achieve their dreams whether it's buying a new car or financing a home. With an impressive net worth of $76,068,407, Radiant stands strong and ready to support you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 1659 W US Highway 90, Lake City, FL 32055-6125. Join us at Radiant today! Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we are here for you. Feel free to call us at (352) 381-5200 or visit our website at radiantcu.org for more information. Let's embark on this financial journey together!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of staying connected. That's why we've embraced digital advancements that make banking easier for you. With features like online banking, mobile payments, and e-statements, managing your finances has never been more convenient. Our branch is also ADA compliant, ensuring that all members can access our services without barriers.

Our Mission

At Radiant, our mission is simple yet profound: We strive to provide exceptional financial services while nurturing the well-being of our community. We believe in empowering individuals and families through accessible banking solutions tailored to their needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are committed to helping you achieve your financial goals. Our dedication extends beyond just numbers. We actively engage in community outreach efforts and forge partnerships that uplift those around us. By supporting local initiatives and fostering relationships with other organizations, we aim to create a brighter future together.

Visit Us Today!

While members can visit us at 1659 W Us Highway 90 Lake City Fl 32055, official correspondence should be sent to 1659 W US Highway 90, Lake City, FL 32055-6125 if it differs. Our operating hours are designed to fit your busy lifestyle: Lobby hours are Monday through Friday from 9:00 am - 5:00 pm and Saturday from 9:00 am - 12:00 pm. The drive-thru service operates Monday through Friday from 8:00 am - 5:30 pm and Saturday from 9:00 am - 12:00 pm. With an ATM available for your convenience and a commitment to customer satisfaction, Radiant invites you to join our family. Experience the benefits of being part of a credit union that puts its members first. Call us at (352) 381-5200 or visit us online at Radiant Credit Union today!

Branch Location & Accessibility

Connecting with Us

While members can visit us at our main address, official correspondence should be sent to our mailing address at 1659 W US Highway 90, Lake City, FL 32055-6125. If you have any questions or need assistance, feel free to call us at (352) 381-5200. Our dedicated team is always ready to help! We invite you to stop by Radiant today and discover how we can assist you with personal banking solutions tailored just for you. We look forward to seeing you soon!

Convenient Access and Amenities

At Radiant, we understand that accessibility is key. Our branch features ADA-compliant facilities and ample parking, ensuring that everyone can easily reach us. If you're driving through, take advantage of our drive-thru banking option which allows you to handle deposits and withdrawals quickly without leaving your car. Plus, we have an ATM available for those who prefer self-service banking.

Operating Hours That Fit Your Schedule

We are here to serve you during convenient hours! Visit our lobby Monday through Friday from 9:00 AM to 5:00 PM, or stop by on Saturday from 9:00 AM to 12:00 PM. If you prefer the drive-thru service, we're open Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM as well.

Member Eligibility

Becoming a member of Radiant is more than just opening an account; it's about joining a welcoming community that supports you every step of the way. If you live, work, or worship in the Lake City area, you're likely eligible to become part of our family! At Radiant, we believe everyone deserves access to quality financial services and support. Whether you're looking for checking and savings accounts or loans tailored to your needs, our dedicated team is here to assist you. The process to join us is straightforward and inviting. You can find detailed eligibility criteria at https://offers.radiantcu.org/apply-for-checking-membership . To open your account, simply visit us at 1659 W Us Highway 90 Lake City Fl 32055 or give us a call at (352) 381-5200. We're excited to welcome you into the Radiant community!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Imagine having a partner who makes transactions easy. Our merchant services ensure that you can accept payments efficiently, enabling you to focus on what matters most growing your business. From credit card processing to online payment solutions, we offer tools that simplify your daily operations. Come visit us at 1659 W Us Highway 90 Lake City Fl 32055 in Lake City, FL or give us a call at (352) 381-5200. Let's work together to turn your business dreams into reality!

Tailored 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

Accessibility Made Simple

We know that convenience matters. That's why our branch offers basic drive-thru banking for quick deposits, withdrawals, and simple transactions. You can also enjoy easy access through our ATMs for quick cash withdrawals or balance checks without any hassle. At Radiant, we believe that managing money should be straightforward and stress-free. Our commitment to exceptional service ensures that no matter what financial service you need be it personal or business you'll find it here at our branch located at 1659 W Us Highway 90, Lake City, FL 32055. If you're ready to take the next step in managing your finances or want more information about how we can assist you further, don't hesitate to give us a call at 352-381-5200 or visit us online at radiantcu.org. We're excited to help you achieve all your financial goals!

Business Banking Solutions

For local entrepreneurs, Radiant offers robust business banking services including merchant services and business loans. We understand that running a business requires reliable financial support, and we are committed to being your partner in success.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. That's why we have invested in top-notch online and mobile banking features. With just a few taps on your smartphone or clicks on our website, you can check balances, transfer funds, and pay bills easily. Our ATM services ensure that cash withdrawal is always accessible when you need it most.

Personal Banking Services

Navigating your financial journey is easier with Radiant. We offer various checking and savings accounts that fit different lifestyles and goals. If you're considering buying a car, our auto loans and vehicle financing options can make that dream a reality with competitive rates and flexible terms. For those looking to invest in their future home, we provide comprehensive mortgage loans and refinancing solutions designed to suit your unique situation. Sometimes life throws unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We can help you simplify payments and reduce interest rates, making it easier for you to regain control over your finances. Plus, don't forget about our rewarding credit card options, which come with perks that can benefit your everyday spending.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.radiantcu.org/ , allows you to check your balances, transfer funds, and pay bills effortlessly. You can sign up for e-statements, ensuring that you receive your financial information quickly and securely no more waiting for paper statements in the mail! Plus, with our electronic signature authorization feature, signing important documents has never been easier or safer. If you're on the go, our mobile application makes banking even more accessible. Whether you want to make mobile payments or send money through person-to-person transfers, everything is at your fingertips. You can also track your spending in real-time, so you're always aware of your financial health.

Security and Accessibility

Security is a top priority for us. Our online banking services are equipped with advanced security measures to protect your personal information and transactions. You can bank with peace of mind knowing that your data is safe. With 24/7 online banking availability, you have the flexibility to manage your accounts whenever it suits you day or night. This way, even if life gets busy during normal business hours, you'll never miss an opportunity to take care of your financial needs. At Radiant, we aim to make banking simple and stress-free. Embrace the ease of digital banking today!

Financial Strength

A Trusted Partner

Total Share Accounts stand at 119,170, showcasing 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 1659 W Us Highway 90 Lake City Fl 32055 or call (352) 381-5200 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.

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.

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.

Secure Savings Options

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.

Strong 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 provide 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 looking for financing for a new or used vehicle, our team is here to assist you throughout the process.

Business Loans

For business owners, our outstanding commercial loans totaling $114,237,203 provide the capital needed to grow and expand your business. We understand how vital access to funds is for entrepreneurs and are committed to supporting local businesses in their growth journey.

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. This could be an excellent opportunity if you're considering purchasing a home or need to refinance your current mortgage.

Refinancing Options

If you're looking to lower your monthly payments or tap into your home's equity, we offer refinancing options across all our lending products. Check eligibility today; it might be easier than you think! Our 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 our range of loan products tailored just for you at Radiant. Let us help you navigate your financial journey!

Unsecured Credit Card Loans

We also provide 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 competitive rates and benefits designed to fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, you gain access to a tool designed to make your search for the right loan straightforward and effective. LendMesh ensures accurate loan comparisons through reliable data sourcing. 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 ), ensuring fair and transparent offers. This commitment to accuracy means that you can trust the information you receive. The benefits of using LendMesh are significant: - 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. 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!" This kind of feedback illustrates the practical value and reliability of LendMesh's services. 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.

RADIANT CREDIT UNION - Lake City, FL