Credit union · NCUA insured
Radiant Credit Union Credit Card Rates
Top CarrotRadiant Credit Union credit cards start at 9.49% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Radiant Credit Union’s credit card rates compare
Compared with banks and credit unions near Gainesville, FL, where Radiant Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Radiant Credit Union
9.49%APR
Visa Platinum
2nd-lowest rate
FiCare Federal Credit Union
9.50%APR
3rd-lowest rate
VyStar Credit Union
13.20%APR
Radiant Credit Union credit card score
87
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Radiant Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Subject to credit approval. Rate is fixed and based on creditworthiness. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49% | None | Rate is fixed; APR for balance transfers and cash advances remains at the same APR as purchases. Subject to credit approval. |
Sources (4)
- radiantcu.org/credit-card-rates
- radiantcu.org/credit-cards
- radiantcu.org/loan-rates
- radiantcu.org/visa-platinum-credit-card
All captured Oct 7, 2026
Visa Platinum Rewards
Subject to credit approval. Rate is fixed and based on creditworthiness. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rate is fixed; APR for balance transfers and cash advances remains at the same APR as purchases. Subject to credit approval. |
Sources (4)
- radiantcu.org/credit-card-rates
- radiantcu.org/credit-cards
- radiantcu.org/loan-rates
- radiantcu.org/visa-platinum-rewards-credit-card
All captured Oct 7, 2026
Visa Secured
Must be a Radiant CU member. Subject to credit approval. Account requires a security deposit (personal property or money). No cosigner required. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.98% | None | Rate is fixed; APR for balance transfers and cash advances remains at the same APR as purchases. Subject to credit approval. Account secured by security deposit. |
Sources (4)
- radiantcu.org/credit-card-rates
- radiantcu.org/credit-cards
- radiantcu.org/loan-rates
- radiantcu.org/visa-secured-credit-card
All captured Oct 7, 2026
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.