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

Introduction

At Radiant, we believe in fostering a community where everyone can thrive financially. Located at 3510 Ne 14Th St, Ocala, FL 34470, our branch has been serving the community since 1957. With over 48,457 members and total assets reaching an impressive $842,536,430, we are dedicated to providing personalized financial solutions tailored to your needs. While you can visit us at our Ocala branch, official correspondence should be sent to 4440 NW 25th Pl, Gainesville, FL 32606-6563. Our team is here to guide you through various services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Under the leadership of our CEO, Tom Barnard, and Board President, Chad King, we ensure that every member feels valued and supported. With a committed staff of 183 employees, we strive to make your banking experience seamless and enjoyable. As a member-focused credit union, we pride ourselves on our strong financial health. We have total deposits of $47,029,370 and a net worth of $76,068,407, reflecting our commitment to sound financial practices. Our cash reserves stand at $5,619,290, ensuring that we're well-equipped to meet your needs. Whether you're looking for a loan or simply want to learn more about managing your finances effectively, Radiant is here for you. Feel free to reach out at 352-381-5200 or visit us online at Radiant Credit Union. Your journey towards better financial health starts here come see how we can help you shine!

Branch History & Mission

Community Commitment

We take pride in being actively involved in our community through various outreach programs and partnerships. Whether it's supporting local events or providing educational resources on financial literacy, we are committed to giving back and fostering growth in Ocala and surrounding areas.

Embracing the Future

As we look ahead, Radiant is dedicated to continuing our tradition of excellent service while embracing digital advancements for your convenience. Our branch offers ADA-compliant facilities along with online and mobile banking options to ensure that you can manage your finances anytime, anywhere.

Join Us!

If you're looking for a credit union that truly cares about its members and the community, we invite you to join Radiant. Experience firsthand how we can help you navigate your financial journey with confidence and care. Visit us today or call us at 352-381-5200 to learn more about membership benefits!

Our Evolution

Radiant has seen remarkable milestones in its journey. From our humble beginnings to becoming a trusted financial partner for thousands of individuals and families, each chapter of our history reflects our commitment to excellence and community service. As we evolved, we embraced new technologies while maintaining a strong focus on personal relationships. Today, we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and much more all designed with you in mind.

Our Mission

At Radiant, our mission goes beyond just providing financial services; it's about making a positive impact in the lives of our members and the broader community. We strive to empower individuals by helping them achieve their financial goals while ensuring that support is always within reach. We believe in building strong relationships based on trust and transparency. While members can visit us at 3510 NE 14th St for all their banking needs, official correspondence should be sent to our mailing address at 4440 NW 25th Pl, Gainesville, FL 32606-6563.

Branch Location & Accessibility

Welcome to Radiant, your friendly neighborhood credit union located conveniently at 3510 NE 14th St, Ocala, FL 34470. We understand that easy access to your banking services is important, and our branch is designed with you in mind. Nestled near local favorites and just a short drive from the bustling heart of Ocala, we're here to serve you. If you need to send any official correspondence, please note that our mailing address is 4440 NW 25th Pl, Gainesville, FL 32606-6563. This ensures that your important documents reach us without delay. At Radiant, we make it easy for you to visit us. Our branch features ample parking and is fully accessible, including ADA-compliant ramps for those who may need them. Whether you're stopping by for a quick transaction or a more in-depth discussion about our services, we've created an inviting space that feels like home. We pride ourselves on offering flexible operating hours to fit your busy schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. If you're in a rush, take advantage of our drive-thru service available from 8:00 AM to 5:30 PM during the week. This means you can handle your banking needs quickly without leaving your car. As part of our commitment to providing great service, we offer various banking options including personal checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Plus, our ATM is always available for cash withdrawals and balance checks whenever you need it. If you have questions or want to learn more about what we can do for you, don't hesitate to give us a call at 352-381-5200. Our friendly team is ready to assist you! Come visit us at Radiant today; we look forward to helping you achieve your financial goals!

Member Eligibility

At Radiant, we believe that everyone deserves the chance to join a caring and supportive community. Becoming a member is simple and open to those who live, work, worship, or attend school in our area. If you're ready to take this step, just know that you'll enjoy benefits like lower loan rates, higher savings yields, and personalized service that makes banking feel more like family. To learn more about eligibility and ensure you meet the criteria, feel free to check out our detailed information at https://offers.radiantcu.org/apply-for-checking-membership. If you have any questions or need assistance, don't hesitate to reach out at (352) 381-5200. When you're ready to open your account, the process is straightforward just visit us at https://offers.radiantcu.org/apply-for-checking-membership. We can't wait to welcome you into the Radiant family at 3510 Ne 14Th St Ocala Fl 34470!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services help streamline your operations and improve cash flow. Whether it's payment processing or easy access to funds, we provide tools that make everyday transactions simpler and more efficient. Imagine being able to focus on growing your business while we handle the financial details. Visit us at 3510 Ne 14Th St Ocala Fl 34470 or call us at (352) 381-5200 to discover how Radiant can be your partner in success!

Supporting Business Growth

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

Business Solutions

For entrepreneurs and small business owners, we offer tailored Business Banking solutions including merchant services and business loans. We know how important it is to have reliable financial support when running a business.

Convenient Access

At Radiant, convenience is key. With our ATM services available 24/7 for cash withdrawals and balance checks, accessing your money has never been easier. Plus, our drive-thru service allows you to complete simple transactions without leaving your car perfect for those busy days! With us, banking is not just about numbers; it's about building relationships and supporting each other's goals. Our team is here every weekday from 9:00 AM to 5:00 PM (with drive-thru hours extending until 5:30 PM) ready to assist you with any questions or needs you may have.

Financing Your Dreams

When it comes to financing, Radiant offers an array of options. If you're in the market for a new car, our Auto Loans & Vehicle Financing programs make it easy to drive away in the vehicle you want without breaking the bank. For those thinking about homeownership or refinancing their current mortgage, our competitive Mortgage Loans & Refinancing solutions are designed just for you.

Get Started Today!

Ready to explore what Radiant can do for you? Give us a call at (352) 381-5200 or visit us online at Ocala. We look forward to helping you achieve your financial dreams!

Personal Banking Made Easy

We understand that managing finances can be overwhelming at times. That's why we offer various Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. Imagine having access to all your banking needs right from your smartphone! With our Online & Mobile Banking services, you can easily check balances, pay bills, and transfer funds from anywhere at any time.

Support for Personal Goals

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide the financial support you need when times get tough. Additionally, our credit cards come with rewards that make every purchase worthwhile think of all those points adding up for your next getaway!

Digital & Online Banking

Key Services

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills without ever stepping foot in a branch. You can also enjoy the convenience of electronic signature authorization, making it simple to complete transactions from the comfort of your home. If you're looking for a quick way to keep track of your finances, our e-statements are available for all members. No more waiting for paper statements; you can access your account information instantly and securely.

Mobile Banking Features

For those on the go, our mobile application provides all the features you need right in your pocket. With mobile payments enabled, you can make purchases effortlessly using your smartphone. Plus, our person-to-person transfer option lets you send money to friends or family with just a few taps. At Radiant, we prioritize both convenience and security. Our user-friendly interface ensures that even those new to online banking will find it easy to navigate. Rest assured that your personal information is protected with advanced security measures. Join us today and experience how effortless banking can be with Radiant! Whether you're at home or out and about, we've got you covered with the tools you need for real-time account management.

Financial Strength

Building Trust Together

As of now, we have a strong base of 119,170 share accounts, showing that more members trust us with their finances every day. Our net shares stand at $117,871, reflecting funds available for lending and investments designed specifically for our community's benefit. In conclusion, 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 3510 Ne 14Th St Ocala Fl 34470 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

Our commitment to growth is further illustrated by our $71,472,676 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $6,290 in used auto loans and $645,190,642 in total loans and leases, we have the capacity to support your financial goals across various sectors.

Member-Centric Savings

Your savings are important to us. Members' funds are secured through $263,662,341 in share certificates and $107,598,567 in money market shares, providing you with stable and rewarding 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 operational efficiency shines through with a reported net income of $3,827,704. This enables us to continue offering competitive loan rates and solid financial products tailored for your needs. We also take pride in having 182 full-time employees and 1 part-time employees ready to assist you with their expertise.

Our 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. This solid foundation is reflected in our net worth ratio of $902, which demonstrates our ability to sustain operations and support our members 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 interested in financing a brand-new model or a reliable used option, we're here to assist you every step of the way.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $114,237,203 provide the capital needed to expand operations or invest in new projects. We understand that every business has unique challenges and opportunities; that's why we're committed to offering tailored solutions that work for you. Our loan products come with refinancing options and eligibility assessments to ensure you find the best fit for your financial situation. For more details on how you can take advantage of these offerings and start your application process today, visit our website at Radiant Credit Union or check our eligibility requirements here. 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're dedicated to serving our members with transparency and integrity as you navigate your financial 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 the perfect solution if you're looking to settle into your dream home or refinance your current mortgage for better terms.

Unsecured Credit Card Loans

Managing day-to-day 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 these loans helping members manage their finances effectively, you can enjoy peace of mind while making everyday purchases.

Loan Aggregator

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Radiant