![]() In short, you get the benefit of higher certificate savings rates plus the benefit of bi-annual adjustments to account for ever-changing interest rates. And, as always, you have the safety and security of being insured by the NCUA for up to $250,000. The certificate rate is adjusted on January 1st and July 1st and is based on the 6-month Treasury Rate plus 0.05% for the 12-month term, or 0.10% for the 24-month term 1. How does it work? Radiant’s Adjustable-Rate Certificate is easy to open and offers terms of 12 or 24 months. Our special Adjustable-Rate Certificate let’s you lock in the security of a great term savings rate while also adjusting to benefit from today’s changing interest rates. Certificate APY is adjusted to the 6-month Treasury Bill. The Radiant Credit Union Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Think of him as a knowledgeable friend whos always ready to help with your questions in real-time. Ray is our new digital assistant here at Radiant Credit Union. Next, select Checking and Savings Accounts Apply Now. By Chat: On our website, mobile app, or eBanking, just click or tap on the chat bubble icon in the bottom right corner of the page. Protect your hard-earned savings from today’s inflation while also taking advantage of changing interest rates with Radiant Credit Union’s Adjustable-Rate Certificate. Under the Accounts menu header, select Quick Apply. Reset your password If you have forgotten your password, you can reset it yourself and get signed on quickly after your identification is verified. You may borrow against your share certificate.Information provided herein is subject to change without notice. Minimum opening balance is $1,000.00 (except jumbo certificates The rate you pay is based on your credit worthiness, term of the loan, and collateral qualifications at the time of your advance, and is disclosed to you at that time. ![]()
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