Credit union · NCUA insured
Radiant Credit Union CD Rates
Top CarrotRadiant Credit Union’s best CD rate is 4.20% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Radiant Credit Union’s CD rates compare
Compared with banks and credit unions near Gainesville, FL, where Radiant Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Radiant Credit Union
4.20%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $858
Adjustable Rate Certificates
Top rate
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
2nd-highest rate
Florida Credit Union
4.50%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $722
Radiant Credit Union CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo4.14%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Radiant Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Adjustable Rate Certificates
Up to 4.20%APY · 2 terms
Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.05% APY. Compounded daily | 4.14% | $414 |
| 12 monthsHSA Certificate. APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.05% APY. Compounded daily | 3.71% | $371 |
| 24 monthsAPY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.10% APR. Compounded daily | 4.20% | $858 |
| 24 monthsHSA Certificate. APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.10% APR. Compounded daily | 3.76% | $766 |
Fixed Rate Jumbo Certificates
Up to 4.13%APY · 3 terms
Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY is based on $50,000.00; your APY may vary slightly. Compounded daily | 4.13% | $204 |
| 12 monthsAPY is based on $50,000.00; your APY may vary slightly. Compounded daily | 4.08% | $408 |
| 24 monthsAPY is based on $50,000.00; your APY may vary slightly. Compounded daily | 3.98% | $812 |
Sources (1)
- radiantcu.org/deposit-rates · captured Sep 18, 2026
Fixed Rate Certificates
Up to 4.08%APY · 6 terms
Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 4.08% | $202 |
| 12 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 4.03% | $403 |
| 24 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 3.93% | $801 |
| 36 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 3.82% | $1,190 |
| 48 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 3.72% | $1,573 |
| 60 monthsAPY is based on $10,000; your APY may vary slightly. Compounded daily | 3.56% | $1,911 |
Who can join Radiant Credit Union
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.
Membership information collected October 5, 2026.