Credit union · NCUA insured
Radiant Credit Union
Top CarrotA $1.1B credit union headquartered in Gainesville, FL, with 61,527 members and 14 branches in Florida. Best rates: CDs 4.20% and savings 0.10% APY.
Radiant Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#2 of 15 in Gainesville, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Radiant Credit Union
Radiant Credit Union operates 14 branches across North Central Florida.
- Headquarters
- 4440 NW 25th Pl, Gainesville, FL 32606-6563
- NCUA charter
- 68723
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Incorporated and unincorporated organizations located in or maintaining a facility in the specified 22 Florida counties are eligible for membership.
- Persons who live, work (or regularly conduct business in), worship, attend school, or participate in associations headquartered in the specified 22 Florida counties are eligible for membership.
Family and household
- Immediate family members of current members, including spouses, children, siblings, parents, grandparents, grandchildren, step-relatives, and adoptive relationships, are eligible to join.
- Spouses of persons who died while within the field of membership of Radiant Credit Union are eligible to join.
Branches
14 branches in Florida
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Florida
14 branches
Gainesville area · 7
- Alachua14520 NW US Highway 441, Alachua, FL 32615Directions
- Chiefland1003 NW 22nd Ct, Chiefland, FL 32626Directions
- 43rd Street2516 NW 43rd St, Gainesville, FL 32606Directions
- Archer Road6305 SW Archer Rd, Gainesville, FL 32608Directions
- Gainesville Main Office405 SE 2nd PL, Gainesville, FL 32601Directions
- Hawthorne6005 SE US Highway 301 Ste 101, Hawthorne, FL 32640Directions
- Newberry24100 W Newberry RD Ste 50, Newberry, FL 32669Directions
Palatka area · 2
- Crescent City112 N Summit St, Crescent City, FL 32112Directions
- Palatka306 S Palm Ave, Palatka, FL 32177Directions
Lake City area · 1
- Lake City1659 W US Highway 90, Lake City, FL 32055Directions
Live Oak area · 1
- Live Oak2231 Ohio Ave N, Live Oak, FL 32064Directions
Ocala area · 1
- Ocala3510 NE 14th St, Ocala, FL 34470Directions
Old Town area · 1
- Old Town25873 SE Highway 19, Old Town, FL 32680Directions
Jacksonville area · 1
- St. Augustine1700 US Highway 1 S, St. Augustine, FL 32084Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.50% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.47% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.60% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio9.50%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.47%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Radiant Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.