The Radiant Blog

Congratulations on paying off your car loan – it’s a significant milestone. Yes, it’s owning your vehicle outright—it’s also proof of your financial responsibility and capability. ...Read More

Credit unions are popular choices for anyone seeking better rates, lower fees, and more personalized service. However, some may wonder if they offer the same deposit protections as traditional banks. ...Read More

Are credit unions better than banks? If you’re looking to save money, credit unions do offer some advantages over big commercial banks. That’s why friendly local financial cooperatives like Radiant Credit Union remain community favorites, decade after decade. ...Read More

What is an estate plan? It's a collection of documents that specify how you want your money and other assets distributed after your passing, making it easier for your loved ones to handle your affairs during a time of grief. ...Read More

If you have very poor credit or are just getting started on building your credit history, having a cosigner on an auto loan provides a pathway to car ownership. It can be a lifeline for people who need a car to get to school or work or to run family errands but lack the creditworthiness to secure a loan on their own. ...Read More

At Radiant, we believe in empowering our community with the tools and knowledge needed to achieve financial wellness. We’ve partnered with GreenPath to bring you a set of free courses to address some of the most critical aspects of personal finance. Here are four courses that can help you navigate your financial journey: ...Read More

Two of the most common options for borrowing money against the value of your home are the HELOC (Home Equity Line of Credit) and a Home Equity Loan. In fact, you may not even see them as two separate options. But there are some key differences between them. Let's take a look at those differences, and when you may want to consider one over the other. ...Read More

Navigating significant purchases can be daunting, whether you're eyeing a new home or dreaming of a shiny new car. But one surefire way to enhance your buying experience and make it less stressful is by getting pre-approved for a loan. This proactive step is not about impressing sellers—it's about making informed and strategic buying decisions. Here’s why pre-approval is a game-changer for savvy shoppers. ...Read More

Many people still rely on cash or debit cards for their everyday purchases. The downside to this is that they’re missing out on cashback rewards and benefits that come with using a credit card. ...Read More

Substantial credit card debt can be overwhelming. Between the stress of minimum payments and the higher interest rates, it doesn't take long to feel buried. Many people struggle with credit card debt and find it challenging to break free from the burden of those high-interest rates. ...Read More