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Source: https://www.radiantcu.org/deposit-rates
Read: 2026-10-22T16:24:26.000Z

Deposit Rates | Radiant Credit Union
APY = Annual Percentage Yield
Min. Balance = Minimum Balance to Earn APY
Account | APY | Dividend Rate | Min. Opening Deposit | Min. Balance to Earn APY | Compound Period
Regular Share | 0.05% | 0.05% | $5 | $500 | Quarterly
Regular Share | 0.08% | 0.08% | $5 | $10,000 | Quarterly
Special Share | 0.05% | 0.05% | $5 | $500 | Quarterly
Special Share | 0.08% | 0.08% | $5 | $10,000 | Quarterly
Future Endeavors | 0.50% | 0.50% | $0 | $5 | Quarterly
Even-Up Share* | 0.05% | 0.05% | $0 | $5,000.01 | Quarterly
Even-Up Share* | 10.00% | 10.00% | $0 | $0.01 | Quarterly
IRA Share | 0.08% | 0.08% | $0 | $500 | Quarterly
Roth IRA Share | 0.08% | 0.08% | $0 | $500 | Quarterly
Health Savings Share | 0.08% | 0.08% | $0 | $500 | Quarterly
Account Regular Share | APY | 0.05% | Dividend Rate | 0.05% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $500 | Compound Period | Quarterly
Account Regular Share | APY | 0.08% | Dividend Rate | 0.08% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $10,000 | Compound Period | Quarterly
Account Special Share | APY | 0.05% | Dividend Rate | 0.05% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $500 | Compound Period | Quarterly
Account Special Share | APY | 0.08% | Dividend Rate | 0.08% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $10,000 | Compound Period | Quarterly
Account Future Endeavors | APY | 0.50% | Dividend Rate | 0.50% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $5 | Compound Period | Quarterly
Account Even-Up Share* | APY | 0.05% | Dividend Rate | 0.05% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $5,000.01 | Compound Period | Quarterly
Account Even-Up Share* | APY | 10.00% | Dividend Rate | 10.00% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0.01 | Compound Period | Quarterly
Account IRA Share | APY | 0.08% | Dividend Rate | 0.08% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $500 | Compound Period | Quarterly
Account Roth IRA Share | APY | 0.08% | Dividend Rate | 0.08% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $500 | Compound Period | Quarterly
Account Health Savings Share | APY | 0.08% | Dividend Rate | 0.08% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $500 | Compound Period | Quarterly
Account | APY | Dividend Rate | Min. Opening Deposit | Min. Balance to Earn APY | Compound Period
Basic Checking | N/A | No dividends are earned | $25 | $0
Free Checking | N/A | No dividends are earned | $25 | $0
Interest Checking | 0.02% | 0.02% | $25 | $500 | Daily
Account Basic Checking | APY | N/A | Dividend Rate | No dividends are earned | Min. Opening Deposit | $25 | Min. Balance to Earn APY | $0 | Compound Period
Account Free Checking | APY | N/A | Dividend Rate | No dividends are earned | Min. Opening Deposit | $25 | Min. Balance to Earn APY | $0 | Compound Period
Account Interest Checking | APY | 0.02% | Dividend Rate | 0.02% | Min. Opening Deposit | $25 | Min. Balance to Earn APY | $500 | Compound Period | Daily
Balance | APY | Dividend Rate | Min. Opening Deposit | Compound Period
$10,000 - $49,999.99 | 0.10% | 0.10% | $0 | Daily
$50,000 - $99,999.99 | 0.15% | 0.15% | $0 | Daily
$100,000 - $199,999.99 | 0.20% | 0.20% | $0 | Daily
$200,000 + | 0.30% | 0.30% | $0 | Daily
Balance $10,000 - $49,999.99 | APY | 0.10% | Dividend Rate | 0.10% | Min. Opening Deposit | $0 | Compound Period | Daily
Balance $50,000 - $99,999.99 | APY | 0.15% | Dividend Rate | 0.15% | Min. Opening Deposit | $0 | Compound Period | Daily
Balance $100,000 - $199,999.99 | APY | 0.20% | Dividend Rate | 0.20% | Min. Opening Deposit | $0 | Compound Period | Daily
Balance $200,000 + | APY | 0.30% | Dividend Rate | 0.30% | Min. Opening Deposit | $0 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
6 Months | 4.08% | 4.00% | $1,000 | Daily
12 Months | 4.03% | 3.95% | $1,000 | Daily
24 Months | 3.93% | 3.85% | $1,000 | Daily
36 Months | 3.82% | 3.75% | $1,000 | Daily
48 Months | 3.72% | 3.65% | $1,000 | Daily
60 Months | 3.56% | 3.50% | $1,000 | Daily
12 Month HSA | 4.03% | 3.95% | $1,000 | Daily
24 Month HSA | 3.93% | 3.85% | $1,000 | Daily
Term 6 Months | APY | 4.08% | Dividend Rate | 4.00% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 12 Months | APY | 4.03% | Dividend Rate | 3.95% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Months | APY | 3.93% | Dividend Rate | 3.85% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 36 Months | APY | 3.82% | Dividend Rate | 3.75% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 48 Months | APY | 3.72% | Dividend Rate | 3.65% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 60 Months | APY | 3.56% | Dividend Rate | 3.50% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 12 Month HSA | APY | 4.03% | Dividend Rate | 3.95% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Month HSA | APY | 3.93% | Dividend Rate | 3.85% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
12 Months | 4.14% | 4.06% | $1,000 | Daily
24 Months | 4.20% | 4.11% | $1,000 | Daily
12 Month HSA | 3.71% | 3.64% | $1,000 | Daily
24 Month HSA | 3.76% | 3.69% | $1,000 | Daily
Term 12 Months | APY | 4.14% | Dividend Rate | 4.06% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Months | APY | 4.20% | Dividend Rate | 4.11% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 12 Month HSA | APY | 3.71% | Dividend Rate | 3.64% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Month HSA | APY | 3.76% | Dividend Rate | 3.69% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
6 Months | 4.13% | 4.05% | $50,000 | Daily
12 Months | 4.08% | 4.00% | $50,000 | Daily
24 Months | 3.98% | 3.90% | $50,000 | Daily
Term 6 Months | APY | 4.13% | Dividend Rate | 4.05% | Min. Opening Deposit | $50,000 | Compound Period | Daily
Term 12 Months | APY | 4.08% | Dividend Rate | 4.00% | Min. Opening Deposit | $50,000 | Compound Period | Daily
Term 24 Months | APY | 3.98% | Dividend Rate | 3.90% | Min. Opening Deposit | $50,000 | Compound Period | Daily
** Annual Percentage Yield (APY) is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Truth-In-Savings disclosure for details.
*** Adjustable-Rate Certificate Annual Percentage Yield (APY) is based on $10,000. APY changes bi-annually on January 1 st and July 1 st . Certificate APY is adjusted to the 6-month Treasury Bill Rate, as published by the U.S. Department of the Treasury, plus 0.05% APY for the 12-month term or 0.10% APR for the 24-month term. Refer to the Truth-In-Savings disclosure for details.
**** APY is based on $50,000.00. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Truth-In-Savings disclosure for details.
Account | APY | Dividend Rate | Min. Opening Deposit | Min. Balance to Earn APY | Compound Period
Business Checking | N/A | No dividends are earned | $0 | N/A
Premier Checking | 0.02% | 0.02% | $0 | $100 | Monthly
Business Shares | 0.05% | 0.05% | $25 | $100 | Quarterly
Business Money Market | 0.10% | 0.10% | $0 | $10,000 | Daily
Business Money Market | 0.30% | 0.30% | $0 | $200,000 | Daily
Business Money Market | 0.15% | 0.15% | $0 | $50,000 | Daily
Business Money Market | 0.20% | 0.20% | $0 | $100,000 | Daily
Account Business Checking | APY | N/A | Dividend Rate | No dividends are earned | Min. Opening Deposit | $0 | Min. Balance to Earn APY | N/A | Compound Period
Account Premier Checking | APY | 0.02% | Dividend Rate | 0.02% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $100 | Compound Period | Monthly
Account Business Shares | APY | 0.05% | Dividend Rate | 0.05% | Min. Opening Deposit | $25 | Min. Balance to Earn APY | $100 | Compound Period | Quarterly
Account Business Money Market | APY | 0.10% | Dividend Rate | 0.10% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $10,000 | Compound Period | Daily
Account Business Money Market | APY | 0.30% | Dividend Rate | 0.30% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $200,000 | Compound Period | Daily
Account Business Money Market | APY | 0.15% | Dividend Rate | 0.15% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $50,000 | Compound Period | Daily
Account Business Money Market | APY | 0.20% | Dividend Rate | 0.20% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $100,000 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
6 Months | 4.08% | 4.00% | $1,000 | Daily
12 Months | 4.03% | 3.95% | $1,000 | Daily
24 Months | 3.93% | 3.85% | $1,000 | Daily
36 Months | 3.82% | 3.75% | $1,000 | Daily
48 Months | 3.72% | 3.65% | $1,000 | Daily
60 Months | 3.56% | 3.50% | $1,000 | Daily
Term 6 Months | APY | 4.08% | Dividend Rate | 4.00% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 12 Months | APY | 4.03% | Dividend Rate | 3.95% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Months | APY | 3.93% | Dividend Rate | 3.85% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 36 Months | APY | 3.82% | Dividend Rate | 3.75% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 48 Months | APY | 3.72% | Dividend Rate | 3.65% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 60 Months | APY | 3.56% | Dividend Rate | 3.50% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
12 Months | 4.14% | 4.06% | $1,000 | Daily
24 Months | 4.20% | 4.11% | $1,000 | Daily
Term 12 Months | APY | 4.14% | Dividend Rate | 4.06% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term 24 Months | APY | 4.20% | Dividend Rate | 4.11% | Min. Opening Deposit | $1,000 | Compound Period | Daily
Term | APY | Dividend Rate | Min. Opening Deposit | Compound Period
6 Months | 4.13% | 4.05% | $50,000 | Daily
12 Months | 4.08% | 4.00% | $50,000 | Daily
24 Months | 3.98% | 3.90% | $50,000 | Daily
Term 6 Months | APY | 4.13% | Dividend Rate | 4.05% | Min. Opening Deposit | $50,000 | Compound Period | Daily
Term 12 Months | APY | 4.08% | Dividend Rate | 4.00% | Min. Opening Deposit | $50,000 | Compound Period | Daily
Term 24 Months | APY | 3.98% | Dividend Rate | 3.90% | Min. Opening Deposit | $50,000 | Compound Period | Daily
* APY is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Business Share Certificate Disclosure for details.
** Adjustable-Rate Certificate Annual Percentage Yield(APY) changes bi-annually on January 1 st and July 1 st . Certificate APY is adjusted to the 6-month Treasury Bill Rate, as published by the U.S. Department of the Treasury, plus 0.05% APR for the 12-month term or 0.10% APY for the 24-month term. Refer to the Truth-In-Savings disclosure for details. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Business Share Certificate Disclosure for details.
*** APY is based on $50,000. Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Truth-In-Savings disclosure for details.