HOME LOANS

Whether you already own your home, or are looking to purchase, Radiant Credit Union has a mortgage loan program sure to fit your needs. When you’re ready to buy, because we offer local underwriting, you’ll receive an approval quickly.


Apply for HELOC
Apply for a 1st or 2nd Mortgage

FIRST MORTGAGE

Unlock the door to your dream home

Fixed-rate, long and short term first mortgages available.

 

PAY YOUR RADIANT MORTGAGE

LAND LOAN

Are you looking to purchase a piece of vacant land?

If so, look no further than Radiant Credit Union to fund that purchase. We offer a very attractive land-only mortgage that can make your payments very affordable.

  • 85% Loan To Value (LTV)*

Apply for land loan

*maximum purchase LTV limited to 85% appraised value or purchase price whichever is less.

HOME EQUITY LINE OF CREDIT 

 

  • Take on project after project with a Home Equity Line of Credit
  • Have the flexibility to pay down your credit line and access the money when you need it.

Fixed-Rate HELOC

  • Our fixed-rate Home Equity Line of Credit gives you the assurance of knowing your rate for the duration of your line. Borrow when you need to and know your rate is locked in.

APPLY FOR HELOC

 

*Offer valid as of 3/1/2021 and is a limited time offer that may be canceled at any time without notice. Subject to credit approval. Property insurance required. The introductory rate in effect for the first 12 billing cycles. After 12 months, the variable Annual Percentage Rate (APR) is as low as Prime rate -1.00; Minimum APR 3.875% - Maximum APR 18.00%. $10,000 minimum draw required. Rates are determined by your credit worthiness and loan-to-value of your home. Offer not valid for refinancing of existing Radiant CU loans. Must be a Radiant Credit Union member to borrow. Membership at RCU requires a savings account with a minimum balance of $5.00. If Radiant Credit Union pays your closing costs and you pay off and close your line within 36 months, you must reimburse Radiant Credit Union in the amount of the fees paid by us.  Closing costs generally total between $0.00 and $2,500.00.