# Radiant Credit Union CD and share certificate rates

As of October 22, 2026, Radiant Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 24-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.56% to 4.20% APY.

Canonical page: https://apyledger.com/cd-rates/radiant-credit-union
Institution: Radiant Credit Union (NCUA 68723)
Aliases: 
Status: live
Last verified: 2026-10-22T16:24:26.000Z (October 22, 2026)
Official source: https://www.radiantcu.org/deposit-rates
Coverage: Membership required. Share certificates from 6 to 60 months with a $1,000 minimum opening deposit; dividends compound daily. HSA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed Rate Jumbo Certificate | standard | 6 months | $50,000 | 4.13% | Not ZIP-priced | −0.27% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 6 months | $1,000 | 4.08% | Not ZIP-priced | −0.32% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Adjustable Rate Certificate | standard | 12 months | $1,000 | 4.14% | Not ZIP-priced | −0.43% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Jumbo Certificate | standard | 12 months | $50,000 | 4.08% | Not ZIP-priced | −0.49% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 12 months | $1,000 | 4.03% | Not ZIP-priced | −0.54% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Adjustable Rate Certificate | standard | 24 months | $1,000 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Jumbo Certificate | standard | 24 months | $50,000 | 3.98% | Not ZIP-priced | −0.89% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 24 months | $1,000 | 3.93% | Not ZIP-priced | −0.94% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 36 months | $1,000 | 3.82% | Not ZIP-priced | −1.13% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 48 months | $1,000 | 3.72% | Not ZIP-priced | −1.26% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |
| Fixed Rate Certificate | standard | 60 months | $1,000 | 3.56% | Not ZIP-priced | −1.45% | 2026-10-22T16:24:26.000Z | [Snapshot 395](https://apyledger.com/snapshots/395) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.