Radiant Federal Credit Union

Headquarters: Gainesville, Florida
Charter: Credit Union
Assets: $1.1B
Fed district: Atlanta

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking $5 · Basic Checking $10
Compared at $7.50, the middle of its prices
Radiant Federal Credit Union: $5 to $10
Radiant Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Compared at $40, its standard fee, the highest of its prices
Radiant Federal Credit Union: $10 to $40
Radiant Federal Credit Union: $10 to $40
U.S. median: no median
NSF / Returned Item
Radiant Federal Credit Union: $40
Radiant Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Radiant Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly fee$10
per month
Monthly Maintenance$5
per month
EFFECTIVE JANUARY 1, 2025Account closing (If account is closed within 90 days after opening)$20
Dormant account fee (each month)$15
per month
Escheatment (per account/box)$60
per item
Account research and balancing assistance per hour (minimum $25.00)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail$15

Overdraft & NSF

Non-Sufficient Funds (NSF) / Courtesy Pay Fees:share draft or electronic item (each)$40
per item
Replace ATM cardE-Courtesy Pay (paid item) fee$10
NSF (returned item) fee (each)$40
per item

ATM & Card

Balance inquiry at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs$1
Cash withdrawal at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs$3.50
Replace ATM card$10
Replace ATM card$5
Replace Visa Debit Card$15
Rush ATM card replacementATM or one-time debit card transactions (each)$40
ATM & Visa Debit Card international1%

Wire Transfers

Domestic wire transfer (outgoing)$30
Wire transfer (incoming)$15

Check Services

Cashier’s check$5
Foreign deposit or collection item processing$10
Copy of draft (or other transaction slip)$5

Cash & Deposit

Chargeback fee for ATM/DEBIT/ACH$15
Deposited items returned unpaid$15

Account Services

Notary Services (per non-Radiant document)$5
Safe Deposit Box 10 x 10$90
Safe Deposit Box 3 x 10$55
per year
Safe Deposit Box 3 x 5$35
per year
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 5$45
Safe Deposit Box 6 x 10$73
Safe Deposit Box 7 x 10$80
Safe deposit box rental (annual fees):(each month)$10
Not compared: Monthly charge, not annual
per month
Garnishments, levies, tax liens$100

Retirement & IRA

IRA/HSA transfer: Full transfer and close$35
IRA/HSA transfer: Partial transfer$25

Gift & Prepaid Cards

Visa gift card$3.50

Other Fees

Copy of statement$5
Skip-A-Pay$40

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly fee	$10	per month	None
Monthly Maintenance	$5	per month	None
EFFECTIVE JANUARY 1, 2025Account closing (If account is closed within 90 days after opening)	$20	Not stated	None
Dormant account fee (each month)	$15	per month	None
Escheatment (per account/box)	$60	per item	None
Account research and balancing assistance per hour (minimum $25.00)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail	$15	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF) / Courtesy Pay Fees:share draft or electronic item (each)	$40	per item	None
Replace ATM cardE-Courtesy Pay (paid item) fee	$10	Not stated	None
NSF (returned item) fee (each)	$40	per item	None
ATM & Card
Balance inquiry at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs	$1	Not stated	None
Cash withdrawal at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs	$3.50	Not stated	None
Replace ATM card	$10	Not stated	None
Replace ATM card	$5	Not stated	None
Replace Visa Debit Card	$15	Not stated	None
Rush ATM card replacementATM or one-time debit card transactions (each)	$40	Not stated	None
ATM & Visa Debit Card international	1%	Not stated	None
Wire Transfers
Domestic wire transfer (outgoing)	$30	Not stated	None
Wire transfer (incoming)	$15	Not stated	None
Check Services
Cashier’s check	$5	Not stated	None
Foreign deposit or collection item processing	$10	Not stated	None
Copy of draft (or other transaction slip)	$5	Not stated	None
Cash & Deposit
Chargeback fee for ATM/DEBIT/ACH	$15	Not stated	None
Deposited items returned unpaid	$15	Not stated	None
Account Services
Notary Services (per non-Radiant document)	$5	Not stated	None
Safe Deposit Box 10 x 10	$90	Not stated	None
Safe Deposit Box 3 x 10	$55	per year	None
Safe Deposit Box 3 x 5	$35	per year	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 5	$45	Not stated	None
Safe Deposit Box 6 x 10	$73	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Safe deposit box rental (annual fees):(each month)	$10Not compared: Monthly charge, not annual	per month	None
Garnishments, levies, tax liens	$100	Not stated	None
Retirement & IRA
IRA/HSA transfer: Full transfer and close	$35	Not stated	None
IRA/HSA transfer: Partial transfer	$25	Not stated	None
Gift & Prepaid Cards
Visa gift card	$3.50	Not stated	None
Other Fees
Copy of statement	$5	Not stated	None
Skip-A-Pay	$40	Not stated	None

Correct a fee source

Oct 25, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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