Credit union · NCUA insured
Radiant Credit Union Savings Rates
Top CarrotRadiant Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Radiant Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $10
Money Market Account
Top rate
Suncoast Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
2nd-highest rate
Gala Bank
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Radiant Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Even-Up Share
0.05%APY
Deposits are made solely by rounding up debit card signature and PIN purchases to the next dollar from checking. Transfer requires at least $25 available in checking account during nightly processing. Commercial debit cards/accounts are not eligible.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Compounded quarterly. Applies to balances from $0.01 to $5,000.00. | 10.00% | — | Compounded quarterly. Applies to balances from $0.01 to $5,000.00. |
| Over $5,000Compounded quarterly. Applies to balances over $5,000.00. | 0.05% | $5 | Compounded quarterly. Applies to balances over $5,000.00. |
Money Market Account
0.10%APY
Compounded daily. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Compounded daily. | 0.10% | $10 | Compounded daily. |
| $50,000 – $100,000Compounded daily. | 0.15% | — | Compounded daily. |
| $100,000 – $200,000Compounded daily. | 0.20% | — | Compounded daily. |
| $200,000 and upCompounded daily. | 0.30% | — | Compounded daily. |
Regular Share
0.08%APY
Quarterly compounding.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Quarterly compounding. | 0.05% | — | Quarterly compounding. |
| $10,000 and upQuarterly compounding. | 0.08% | $8 | Quarterly compounding. |
Special Share
0.08%APY
Quarterly compounding. Great for vacation or holiday savings accounts. No limitation as to how many shares can be opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Quarterly compounding. | 0.05% | — | Quarterly compounding. |
| $10,000 and upQuarterly compounding. | 0.08% | $8 | Quarterly compounding. |
Special-purpose accounts
Future Endeavors
0.50%APY
For kids 18 and younger; account closed immediately after crediting dividends for dividend period in which age of 19 is reached. Limited to one withdrawal per quarter (exceeding may result in account closure and balance transfer to regular share). No monthly account fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns dividends on average daily balance of $5.00 or more. Compounded quarterly.$5 and up | 0.50% | $50 | Earns dividends on average daily balance of $5.00 or more. Compounded quarterly. |
Health Savings Share
0.08%APY
Must be covered by an HSA-compatible High Deductible Health Plan (HDHP), not enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upQuarterly compounding.$500 and up | 0.08% | $8 | Quarterly compounding. |
IRA Share
0.08%APY
Available as Traditional IRA (individuals 18+ with earned income) and Roth IRA (individuals 14+ with earned income). Quarterly compounding.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upQuarterly compounding.$500 and up | 0.08% | $8 | Quarterly compounding. |
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.