We’ll look at your credit report to see your credit history and credit score. Then, if you’re approved, you’ll find out your card rate based on your credit.

Borrowers who are interested in growing or establishing credit who apply for a Secured card will be required to secure their account with personal property or money.

You’ll receive your Visa® credit card within 5-7 business days after your application is accepted.

You will be charged a late payment or returned payment fee of up to $35.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

If you are 11 or more days late on your payment, a typical late fee is $25.00 or the amount of the required minimum payment, whichever is less.

You will be charged a late fee of $35.00 if you are late on payments in any of the six billing cycles after your first initial late payment, or the amount of the required minimum payment, whichever is less.

For a $15 fee, we will replace your credit card.

The annual percentage rate (APR) for both remains at the same APR as for purchases.

You can use our online and mobile banking features to make on-time payments on your credit card balance. Access your Radiant CU accounts with any device, manage and view your transaction histories, review your eStatements, and more.

With our Mobile Wallet feature, you can also use your devices to make contactless transactions at any place that offers the option.

Our Card Manager app allows you to protect your accounts by restricting transactions, suspending your card, setting purchase alerts, setting travel notifications, and setting transaction limits.

Finally, we offer free online bill pay for ultimate convenience.

In addition to our credit cards, we also offer the following loans:

• Auto and recreational vehicle loans
• Personal loans
• Home loans
• Business loans

Yes, you do. Joining is quick and easy, and we even make the transition from your current financial institution as simple as possible with our Switch Kit.

Learn more about availability here.

There is no fee for balance transfers or cash advances.

In addition to our personal and business credit cards, we also offer the following borrowing options:

• Auto loans
• Recreational vehicle loans
• Personal loans
• Home loans
• Land loan
• Home equity lines of credit

Yes, Radiant offers business credit cards and an array of business lending products, including:

• Owner-occupied commercial real estate loans
• SBA 504 loans for commercial real estate and equipment
• Investment commercial real estate loans
• Loans for multi-family properties
• Lines of credit
• Loans for business vehicles
• Construction, term, and church loans

If you have additional questions, please contact us to talk to a Member Service Representative.