Savings Accounts

Even-Up Savings Account

Our exclusive savings account that helps your spare change add up.

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A smiling couple manages their Radiant Money Market Account on a laptop, benefiting from higher dividends and convenient account access.

Money Market Savings Account

Gain higher dividends for higher balances. Plus, have flexible access to your funds.

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Future Endeavors Savings Account

Start your children on the path to saving early.

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Health Savings Account

Save for future qualified medical expenses on a tax-free basis.

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A woman smiles while opening a Radiant Credit Union share certificate online to secure her savings and earn reliable monthly dividends.

Share Certificates

Secure your savings to earn more. Choose from a variety of terms and earn monthly dividends.

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Smiling couple uses their laptop to open IRAs through Radiant and Ascensus, taking steps toward financial stability and confident retirement planning.

Individual Retirement Account (IRA)

Individual Retirement Accounts (IRA) assist you in saving for your future.

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Special Share

Stress less knowing you'll have the cash you need to cover designated expenses.

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Direct Deposit

Deposit payday or monthly check automatically, plus access up to 24-hours early.

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	Regular Savings	Money Markets	Certificate Accounts
Feature	Key Benefit	Regular Savings	Simplicity Straightforward savings	Money Markets	Liquidity Withdraw funds as needed while earning competitive dividends	Certificate Accounts	Secure and steady growth Larger starting balance leads to higher earnings
Feature	Minimum Opening Balance	Regular Savings	$5	Money Markets	$0	Certificate Accounts	$1,000
Feature	Time Period	Regular Savings	No time frame for maturity	Money Markets	No time frame for maturity	Certificate Accounts	6 months to 5 years
Feature	Deposits	Regular Savings	Funds can be added at any time	Money Markets	Funds can be added at any time	Certificate Accounts	Funds can only be added at account opening or renewal
Feature	Withdrawals	Regular Savings	Funds can be withdrawn at any time	Money Markets	Funds can be withdrawn at any time	Certificate Accounts	Funds can only be withdrawn at account maturity without incurring a penalty
Feature	Minimum Balance to Earn APY	Regular Savings	$500	Money Markets	$10,000	Certificate Accounts	$10,000
Feature	Earnings Potential	Regular Savings	Moderate earnings Typically earns less than money markets and certificates. Higher rate on balances above $10,000.	Money Markets	Higher earnings Typically earns more than regular savings, but less than certificates. Higher tiered rates on balances above $50,000.	Certificate Accounts	Highest earnings Typically earns more than money markets and regular savings. Higher rates on longer terms.
Regular Savings	Key Benefit	Simplicity Straightforward savings	Minimum Opening Balance	$5	Time Period	No time frame for maturity	Deposits	Funds can be added at any time	Withdrawals	Funds can be withdrawn at any time	Minimum Balance to Earn APY	$500	Earnings Potential	Moderate earnings Typically earns less than money markets and certificates. Higher rate on balances above $10,000.
Money Markets	Key Benefit	Liquidity Withdraw funds as needed while earning competitive dividends	Minimum Opening Balance	$0	Time Period	No time frame for maturity	Deposits	Funds can be added at any time	Withdrawals	Funds can be withdrawn at any time	Minimum Balance to Earn APY	$10,000	Earnings Potential	Higher earnings Typically earns more than regular savings, but less than certificates. Higher tiered rates on balances above $50,000.
Certificate Accounts	Key Benefit	Secure and steady growth Larger starting balance leads to higher earnings	Minimum Opening Balance	$1,000	Time Period	6 months to 5 years	Deposits	Funds can only be added at account opening or renewal	Withdrawals	Funds can only be withdrawn at account maturity without incurring a penalty	Minimum Balance to Earn APY	$10,000	Earnings Potential	Highest earnings Typically earns more than money markets and regular savings. Higher rates on longer terms.

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.