HOME LOANS AS LOW AS 5.99% APR¹

Disclosures

1. As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1–31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union’s rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. 

2. Balance Transfer promotion valid from November 1, 2026, through January 31, 2027. The 0.00% APR promotional rate valid until billing period ending on 06/24/27. No balance transfer fee. Standard rates and finance charges apply to balance other than the transferred balance, such as purchases and cash advance fees. Standard credit card rates are as low as 9.49% APR up to 15.98% APR, and will apply to remaining balance following the promotional period. Balance transfers only permitted from cards not issued by Radiant Credit Union. Minimum aggregate balance transfer amount is $500.00. Balance transfers do not earn rewards points or Dime Back rewards. Card holder is responsible to pay any minimum balances to prevent fees from being incurred on cards prior to transfer of balance to Radiant.  

3. Radiant Credit Union Visa Platinum Credit Card rates are as low as 9.49% APR and up to 15.98% APR. The rate you receive is based on your creditworthiness, and is subject to credit approval. No annual fee, cash advance fee, or balance transfer fee. Must be a member of Radiant Credit Union and at least 18 years of age. This card is issued by Radiant Credit Union pursuant to a license from Visa® U.S.A., Inc. Other terms and conditions apply. Visa is a registered trademark of Visa International.