Radiant Credit Union Old Town FL | Top Checking & Auto Loans

Introduction

At Radiant, we believe in the power of community and the strength of personal relationships. Nestled in the heart of Old Town, Florida, at 25873 SE Highway 19, our credit union has been serving members since 1957. With over 48,000 members and assets exceeding $842 million, we are committed to providing financial solutions that help you achieve your dreams. While members can visit us at our branch location, official correspondence should be sent to the same address: 25873 SE Highway 19, Old Town, FL 32680. Our dedicated team of 183 employees, led by CEO Tom Barnard and Board President Chad King, is here to support you with a range of services including personal banking, auto loans, mortgages, and business loans. Our commitment to you goes beyond just numbers; we have a total deposit base of $47,029,370 and an impressive net worth of $76,068,407. This financial stability allows us to invest back into our community and offer competitive rates on loans and savings accounts. With a total loan portfolio comprising over 30,373 loans, we ensure that there's something for everyone whether you're looking to purchase a new car or consolidate your debt. We take pride in being more than just a financial institution; we are your neighbors and partners in progress. Our members enjoy convenient access to online banking services and ATMs, as well as personalized support during business hours from Monday to Friday. If you're ready to take your finances to the next level or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 352-505-1648 or visit our website at Radiant Credit Union. Together, let's create a brighter financial future!

Branch History & Mission

Radiant Credit Union has been a cornerstone of the Old Town community since it first opened its doors in 1957. Nestled at 25873 SE Highway 19, this branch has witnessed countless milestones and changes, always with a commitment to serving its members and the local area. Over the years, Radiant has grown significantly, now proudly boasting a membership of over 48,000 individuals and total assets reaching an impressive $842,536,430. From its humble beginnings to becoming a trusted financial partner, Radiant Credit Union has focused on empowering its members through accessible financial services. The mission statement of Radiant is simple yet powerful: to provide exceptional financial products and services that enhance the lives of our members while fostering community growth. This dedication is reflected in the range of offerings available, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. In addition to robust financial services, Radiant actively supports community initiatives. Through partnerships with local organizations and outreach programs, we strive to make a meaningful impact in Old Town and surrounding areas. Whether it's sponsoring local events or providing educational resources for financial literacy, our goal remains to uplift our community. While members can visit us at our convenient branch location on Highway 19, official correspondence should be sent to the same address for ease. Our operating hours from Monday to Friday are designed to fit your busy schedule open from 9:00 AM to 5:00 PM making it easy for you to reach out whenever you need assistance. For those who prefer digital banking solutions, we offer online banking services that allow you to manage your finances anytime and anywhere. At Radiant Credit Union, we understand that financial needs vary among individuals. That's why we provide features like ATM access and drive-thru banking for quick transactions. Our commitment to ADA compliance ensures that all our services are accessible to everyone. Join us on this journey as we continue to grow together with our members! If you're looking for a credit union that truly cares about your financial well-being and community support, consider becoming a member of Radiant Credit Union today. For more information or to start your membership journey, please call us at (352) 505-1648 or visit our website at Radiant Credit Union.

Branch Location & Accessibility

Convenient Access and Features

Our location offers ample parking spaces, so finding a spot is never a hassle. For those who may need assistance, our branch is ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably. Plus, if you're on the go, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Get in Touch

Have questions? Feel free to give us a call at (352) 505-1648. We're excited to help you achieve your financial goals! Come visit us today and discover how Radiant Credit Union can serve you better.

Operating Hours

We're here for you Monday through Friday from 9:00 AM to 5:00 PM. Whether you want to open a new account, apply for a loan, or simply ask questions about our services, our friendly staff is always ready to help during these hours.

Services Offered

At Radiant Credit Union, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. While members can visit us at 25873 Se Highway 19, official correspondence should be sent to the same address as our mailing address: 25873 SE Highway 19, Old Town, FL 32680.

Member Eligibility

At Radiant, we believe that everyone deserves a chance to join our close-knit community of members who support each other financially. Becoming a member is straightforward and welcoming. If you live, work, worship, or go to school in the areas we serve, you're likely eligible! We invite you to check out the detailed eligibility criteria on our website at https://offers.radiantcu.org/apply-for-checking-membership to see how easy it is to become part of our family. Once you've confirmed your eligibility, opening an account with us is a breeze! You can find all the information you need about setting up your new account by visiting https://offers.radiantcu.org/apply-for-checking-membership. If you have any questions or need assistance along the way, don't hesitate to give us a call at (352) 505-1648. We're excited for you to take this step towards better financial health with Radiant, located at 25873 Se Highway 19 Old Town Fl 32680.

Business Banking & Commercial Services

Financing Your 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.

Merchant Services That Work

In addition to loans, we offer practical merchant services tailored for your business. Imagine being able to accept payments easily, manage transactions smoothly, and have reliable support when you need it. Our merchant services ensure that you can focus on what matters most growing your business. Located at 25873 Se Highway 19 Old Town Fl 32680 in Old Town, FL, we're here to partner with you on your journey toward success. Contact us today at (352) 505-1648 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Support

For entrepreneurs, our business banking services are designed to fuel growth. From merchant services that simplify transactions to business loans that provide capital for expansion, we are dedicated to supporting local businesses in Old Town.

Convenient Access Anytime

In addition to traditional banking services, we offer essential features like ATM access and basic drive-thru banking for quick deposits and withdrawals. Our team is committed to providing convenience so you can focus on what matters most. With our robust digital banking tools including person-to-person payments you have everything you need right at your fingertips.

Financing Your Dreams

Thinking about buying a car? Our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car. We understand that purchasing a home is one of the biggest decisions you'll make, which is why we offer competitive mortgage loans and refinancing solutions to help you find the best fit for your situation. Need extra cash for unexpected expenses? Our personal loans and debt consolidation services provide flexible solutions that can ease financial stress. Plus, with our credit cards featuring rewards programs, you can earn points on purchases that matter most to you.

Join Us Today!

Ready to explore all the ways Radiant can serve you? Give us a call at 352-505-1648 or visit us in person. We invite you to discover how our comprehensive suite of services can enhance your financial well-being! For more information about joining our community or opening an account, please check out this link.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine easily managing your day-to-day expenses while watching your savings grow. With our online and mobile banking options, you can check balances, transfer funds, and pay bills right from your smartphone anytime and anywhere.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills at your own pace. Whether you're at home or on the go, managing your money has never been more accessible. Plus, with features like e-statements, you can view your financial documents securely and environmentally friendly. Need to send money quickly? Our person-to-person transfer feature lets you easily send cash to friends or family without any hassle. And if you're always on the move, our user-friendly mobile application makes banking right from your smartphone a breeze. You can even make mobile payments, ensuring that paying for goods and services is quick and convenient.

Security You Can Trust

At Radiant, your security is paramount. We use advanced encryption methods and offer electronic signature authorization, so you can feel safe when conducting transactions online. Your peace of mind is important to us, which is why we continually enhance our security measures. In summary, whether you're checking your account balance or making payments, our digital banking services provide the flexibility and control you need while keeping everything secure. Join us today at Radiant and experience the future of banking! For more information, visit us at https://www.radiantcu.org/.

Financial Strength

A Solid Foundation

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.

Investment in 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. 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. 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.

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.

Strong Community Trust

Total Share Accounts: 119,170, showing a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments): $117,871, we are well-equipped to meet your needs now and in the future. 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 25873 Se Highway 19 Old Town Fl 32680 or call (352) 505-1648 to learn more about how we can help you achieve your financial goals.

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 new or used vehicle, our flexible terms can accommodate your needs.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $114,237,203 provide the capital needed to expand operations and invest in new ventures. We are committed to supporting local businesses with tailored solutions.

Credit Lines and Unsecured Loans

For those looking to manage their finances more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $42,435,921 in unsecured credit card loans available, you can enjoy peace of mind knowing you have access to funds when needed.

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 competitive rates and terms tailored to fit your financial situation.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, we can assist you in exploring your options. Our team is here to guide you through the process and help determine eligibility. For inquiries or assistance regarding any of our loan products, feel free to reach out to us at (352) 505-1648 or visit us at our branch located at 25873 Se Highway 19, Old Town, FL 32680. 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, we're here to support you every step of the way with clear information and reliable financial solutions tailored just for you.

Loan Aggregator

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Ensuring Accurate 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 commitment ensures that every offer you see is fair and transparent. You can trust that the information presented is current and accurately reflects what lenders are offering.

Radiant