Radiant Credit Union Live Oak FL | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Radiant, your trusted financial partner located at 2231 Ohio Ave N, Live Oak, FL 32064. Since our establishment in 1957, we have proudly served our community with a focus on building strong relationships and providing exceptional financial services. With a total membership of 48,457 individuals, we are dedicated to enhancing the lives of our members through personalized banking solutions. At Radiant, our commitment goes beyond traditional banking. We manage assets totaling an impressive $842,536,430, ensuring that we have the resources to support our members' needs. Whether you're looking for auto loans or seeking to consolidate debt, we offer a wide range of products tailored just for you, including 30,373 loans and leases currently in service. Our financial strength is evident not only in our robust asset management but also in our solid net worth of $76,068,407 and cash reserves of $5,619,290. These figures reflect our dedication to stability and growth for both the credit union and its members. Leadership at Radiant is characterized by a passionate team committed to your financial well-being. Under the guidance of CEO Tom Barnard and Board President Chad King, we strive to foster a supportive environment where every member can thrive. While members can visit us at our branch location, official correspondence should be sent to 2231 Ohio Ave N, Live Oak, FL 32064-4857. Feel free to reach out with any questions by calling us at 352-366-0630 or explore more about what we offer by visiting our website at Radiant Credit Union. Join us today and experience the difference that a community-focused credit union can make in your life!

Branch History & Mission

Community Commitment

We believe in giving back to the community that supports us. Through various outreach programs and partnerships with local organizations, Radiant actively participates in initiatives that benefit the residents of Live Oak and beyond. We understand that financial education is vital for empowering individuals and families alike; therefore, we offer resources aimed at enhancing financial literacy within our community. In addition to traditional banking services, we have embraced technology by providing online and mobile banking options, ensuring that you can manage your finances conveniently from anywhere. Our ADA-compliant facilities guarantee accessibility for all members, reflecting our commitment to inclusivity. As part of Radiant Credit Union's family, you gain access to a wealth of resources designed with your best interests in mind. We invite you to join us on this journey towards financial empowerment. Experience firsthand how Radiant can make a difference in your life today! For more information or to become a member, please call us at (352) 366-0630 or visit our website. Join us as we continue to grow together!

Our Mission

At Radiant, our mission is clear: We are dedicated to improving the financial well-being of our members while supporting the community around us. We offer a wide range of services including personal banking options such as checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our commitment extends beyond mere transactions; we strive to build lasting relationships with each member. While you can visit us at our main branch address for your banking needs, we also want you to know that official correspondence should be sent to 2231 Ohio Ave N, Live Oak, FL 32064-4857 if it differs from your visit. Our operating hours are convenient for you our lobby is open Monday through Friday from 9:00 am to 5:00 pm and our drive-thru offers extended hours until 5:30 pm.

Branch Location & Accessibility

Get in Touch!

If you have any questions or would like more information about what we offer, don't hesitate to reach out! You can give us a call at 352-366-0630 or stop by our Live Oak branch today. We look forward to welcoming you into the Radiant family!

Location Highlights

Nestled in Suwannee County, our Live Oak branch is not far from local landmarks like the historic downtown area and the beautiful parks that make this community special. Ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit us. Additionally, our facility is fully accessible, featuring ADA-compliant ramps and entrances to ensure everyone can bank comfortably.

Operating Hours & Services

We know how important flexibility is when it comes to banking. That's why our lobby hours are Monday through Friday from 9:00 am to 5:00 pm, while our drive-thru service operates from 8:00 am to 5:30 pm on weekdays. This means you can choose the best way to handle your banking needs whether that's through our friendly staff inside or quickly at the drive-thru. At Radiant, we offer a range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing, we aim to meet all your financial needs. Plus, with an ATM available on-site and basic drive-thru banking for deposits and withdrawals, we make it easy for you to manage your money efficiently.

Member Eligibility

At Radiant, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that looks out for one another. Becoming a member at our Live Oak branch, located at 2231 Ohio Ave N, is easy and welcoming. If you live, work, worship, or attend school in Suwannee County or surrounding areas, you're likely eligible to join us! We also welcome those who have a family member already with us. It's all about creating connections and offering you the best financial services tailored to your needs. To start your membership journey with Radiant, simply check out our eligibility criteria on our website at https://offers.radiantcu.org/apply-for-checking-membership for the most up-to-date information. If you're ready to open an account or have questions, give us a call at 352-366-0630. We're here to help you every step of the way as you take this exciting step toward securing your financial future!

Business Banking & Commercial Services

Merchant Services Made Simple

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments easily from customers whether online or in-store while keeping track of sales seamlessly. Our solutions allow you to focus on what you do best: running your business. Visit us at 2231 Ohio Ave N Live Oak Fl 32064 in Live Oak, FL, or call us at (352) 366-0630 to learn more about how we can support your business goals today!

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

Accessing Your Money

Whether you prefer visiting us in person or using our digital services, accessing your money is straightforward. Our branch offers ATM & Cash Withdrawal Services for quick access to cash. If you need assistance with deposits or withdrawals but are short on time, our Basic Drive-Thru Banking makes it simple to handle these transactions without leaving your car.

Business Banking Solutions

For local business owners, we offer tailored Business Banking solutions including Merchant Services & Business Loans. We understand the unique challenges of running a business and provide the tools necessary for growth and success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With access to account balances, transaction history, and mobile payments at your fingertips, staying on top of your finances has never been easier.

Get Started Today!

If you're ready to experience the Radiant difference, give us a call at 352-366-0630 or visit us online at Radiant. Let us help you take the next step towards achieving your financial dreams!

Loans for Every Need

Life is full of big moments that often require financial support. Whether you're purchasing your first car or refinancing your mortgage, our Auto Loans & Vehicle Financing options are designed to be flexible and accommodating. And if you're looking to consolidate debt or fund a special project, our Personal Loans & Debt Consolidation services can help lighten your financial load.

Personal Banking Services

We understand that personal banking is about more than just transactions; it's about building a secure future. That's why we offer Checking & Savings Accounts tailored to fit your lifestyle and goals. Imagine having an account that not only helps you save but also rewards you along the way. Our Credit Cards with Rewards make everyday purchases beneficial, allowing you to earn points while shopping for the things you love.

Digital & Online Banking

At Radiant, we understand that your time is precious. That's why we've made our digital and online banking services as convenient and secure as possible. With 24/7 access to your accounts, you can manage your finances anytime, anywhere. Whether you're at home or on the go, our user-friendly platform ensures that banking is just a click away. Explore the full range of our digital services at https://www.radiantcu.org/. You can easily check balances, pay bills, and transfer funds all without stepping foot in a branch. Plus, with features like electronic signature authorization, you can sign documents quickly and securely from your device. Say goodbye to printing and mailing forms! We also offer e-statements for those who prefer going paperless. This not only helps the environment but also gives you quick access to your account statements whenever you need them. If you're looking for a fast way to send money to friends or family, our person-to-person transfers make it simple to send funds instantly. For those who love using their phones, our mobile application allows you to manage your accounts right from your smartphone. Plus, you can take advantage of mobile payments making transactions as easy as tapping your phone. With all these features available at Radiant, managing your finances has never been easier or more secure. We're committed to providing you with the tools you need for real-time account management right at your fingertips!

Financial Strength

Capital Foundation

Our net worth ratio of $902 demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team

We also take pride in having 182 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable, committed team. Our branches are staffed by dedicated professionals who understand your needs.

Growing Membership Base

Total Share 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 2231 Ohio Ave N Live Oak Fl 32064 or call (352) 366-0630 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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.

Reinvesting for You

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. This commitment translates into a better experience when you choose to save or borrow with us.

Strong Net Worth

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. This solid foundation ensures that your money is in safe hands.

Supporting Your Financial Goals

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 $3,827,704, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $114,237,203 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and aim to support your journey with accessible financing solutions. If you're considering refinancing any existing loans or want more information about eligibility options for our products, feel free to reach out. Our team is ready to assist you in finding the best financing strategy tailored just for you. To learn more about our loan offerings or start an application today, visit us at Radiant or call us at 352-366-0630. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 purchasing a brand-new vehicle or a reliable used one, our financing options are designed to fit your budget and lifestyle.

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 provide various mortgage solutions that can cater to first-time buyers or those looking to refinance their current loans.

Unsecured Credit Card Loans

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. This option is ideal for those who want a convenient way to cover everyday expenses while building credit.

Loan Aggregator

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Radiant