# Radiant Credit Union — user reviews > 119 indexed App Store user reviews of Radiant Credit Union by Radiant Credit Union, rated 4.90/5 from 5,682 ratings. - Source: https://appshunter.io/ios/app/radiant-credit-union/id1224334039/reviews - App overview in markdown: https://appshunter.io/ios/app/radiant-credit-union/id1224334039.md - Rating breakdown: 5★ 5,115 · 4★ 427 · 3★ 95 · 2★ 17 · 1★ 28 ## What do users think of Radiant Credit Union? Overall sentiment: neutral **Pros** - 👍 Friendly and helpful staff - 🚀 Convenient mobile banking - 🔒 Secure banking experience - 💡 Great credit union options **Cons** - 🐛 Buggy and slow mobile app - ⏱️ Slow app performance - 🔍 Difficult to navigate app - 💳 Issues with bill pay and transfers **Commonly reported bugs** - App crashes frequently - Bill pay and transfer functions not working - Connectivity issues when using the app - Inconsistent user experience across devices **Most requested features** - Improve mobile app stability and speed - Add more self-service features to the app - Allow multiple account access in one login - Provide more transparency on fees and charges ## Newest reviews (14 of 119) ### 4/5 — Keith *2025-10-08, version 4018.1.1* Y’all close the branch in Jonesville, which made it very inconvenient for anyone West of Gainesville. ### 5/5 — Cannot say enough good things ! *2025-08-12, version 4018.0.0* I have been with this credit union for over 20 years. Long before they became Radiant, and in all that time, they have never let me down. You are always treated like you’re the only customer at Radiant Credit Union. They have made banking so much easier for us and just cannot be replaced. Thank you Radiant! ### 5/5 — All good *2025-07-29, version 4018.0.0* Good people, more than willing to be helpful. ### 5/5 — Top Choice Credit Union *2025-07-27, version 4017.2.0* I have always been treated respectfully and have enjoyed a wonderful experience banking with Radiant credit union. I have never felt more secure with my money. When you go inside, you talk to an actual person. They offer the most services of all credit unions in our area doing their best to meet your needs. Radiant credit union is one of the best. ### 4/5 — Service *2025-07-26, version 4017.2.0* Awesome staff ### 5/5 — Long time customers❤️ *2025-06-17, version 4017.1.1* We have been pleased with Radiant since I think ‘97 and we’ve never thought about going anywhere else. Everyone has always taken care of our family and we’ve seen a lot of good customer service reps come and go… and it seems as if the best of the best have stayed. Sincerely Eugene and Jennifer Williams & Family ### 5/5 — Disappointment *2025-06-05, version 4017.1.1* I have such a close relationship with my bank but the fact this app gives me so many problems just loading in to see my money I’m about to change banks. Get it together tech department. ### 3/5 — Like this app *2025-05-07, version 4017.0.0* Is a good tool ### 3/5 — Annoying *2025-04-15, version 4016.2.2* Most of the time, the verifying I’m human box doesn’t work on my IPhone which is frustrating. Gratefully, when that happens it works on my iPad. The apps on both devices are updated. ### 5/5 — Professionalism *2025-03-06, version 4016.0.1* Always a step above ### 2/5 — I can’t sign in with new updated iPhone. It’s a modem we site connection issue *2025-03-05, version 4016.0.1* It seriously bugs out. I’ve tried switching from 2g to 5g home internet to connect for this app it sits and spins. This app has too many bugs after i upgraded my phone. They need to fix this asap. ### 5/5 — Best banking in the woods *2025-01-07, version 4015.1.2* Hawthorne branch is a wonderful place to to do business with ### 4/5 — 1 star short *2024-12-05, version 4015.1.2* I have a business and personal accounts and I’d like one login for both. Also another bank app I have only requires a passcode to open it and if I close the app it automatically logs out. ### 5/5 — Thanks *2024-12-01, version 4015.0.1* Off to a great start ## Most critical reviews (10 lowest-rated) ### 1/5 — device *2026-03-13, version 4020.1.1* what’s the point in having a “remember this device” function if it never remembers the device? ### 1/5 — Stop randomly locking me out👍🏿 *2025-12-17, version 4018.1.1* The app likes to randomly sign you out and not let you back in ### 1/5 — Takes forever to load anything *2025-06-05, version 4017.1.1* This app is so irritating, take forever like 5 plus minutes to alone anything. They need to fix all the bugs it has. ### 1/5 — Update has rendered it useless *2025-02-23, version 4016.0.1* Since last update I haven’t been able to transfer funds between accounts. I then deleted app and reinstalled it and now the app won’t even open. Nice work Radiant IT. ### 1/5 — Dissatisfied *2025-01-02, version 4015.1.2* This app used to work but since it was updated I can’t get it to work properly it takes forever to open and it doesn’t remember you you have to put everything back in each time so I’m no longer satisfied with this app but I do love the bank though ### 1/5 — Does not show CC or loan fees *2024-12-07, version 4015.1.2* Love this credit union but the app is horrible. They’ve updated the app with new features but you cannot find the fees you are being charged on your credit card or loans. I paid my monthly bill like normal but did not know I was late by one day (shortened month threw everything off). This led to months of fees as I was always late but could figure out why because the app does not show the fees. I’ve reported over the phone with customer service and they removed on fee but we are talking months on several accounts so it was kind gesture but did not alleviate the issue. Waited 6 months to post this because we were promised an update to address the issue and it has not been resolved. Customer service has acknowledged the issue on their end still no update to the app or from their development team. It’s a banking app so expecting your transactions to show on your accounts is a basic ask. Feels shady from an institution I’ve held in high regard. ### 1/5 — Suggestions *2024-03-31, version 4010.2.1* App seems to work pretty well and is stable. However, a suggestion would be, multiple account usage. It would be great if I could view my personal account and my business account without having to sign in and out. ### 1/5 — Representative in a hurry *2023-12-11, version 4010.2.1* He didn’t stay on the line long enough to help me set up auto pay. Apparently John felt I could do this by myself.Meemaroo ### 1/5 — Wth *2023-09-21, version 4009.1.1* I can’t pay over bill pay ### 1/5 — Don’t like them at all *2023-08-25, version 4009.1.1* Constantly hold deposits. Even ones from my husband’s work. Always suspending debit card any time you go out of town. Ach deposits not credited right away. Worst CU ever. ## Most praised reviews (10 highest-rated) ### 5/5 — Love the new app *2026-08-12, version 4022.0.0* They just updated their mobile banking. The quick preview of balances and automatic bill pay have worked really well! I love banking with radiant because it has all of the perks of a huge credit union and all of the feel of a local one. ### 5/5 — Why bank anywhere else, when we have Radiant! *2026-08-07, version 4022.0.0* Kind, caring, great service all these years….Thank you! You go the distance with kindness . ### 5/5 — New *2026-06-17, version 4021.1.3* This is new but the mobile app works. I would like to be able to have my personal account on the phone as well ### 5/5 — Phenomenal service! *2026-04-15, version 4020.2.0* I was in the market for a local banking situation that actually offered a physical location with personal service WITHOUT having to make an appointment several weeks in advance. I prefer a Credit Union situation, but was having issues locating one that i was comfortable with and did not have more negative reviews than i was ok with. Then a friend of mine referred me to Radiant CU in Live Oak, FL. I went into the branch at Live Oak, WITHOUT an appointment, and inquired about opening an account with them and within the hour i was all set up and also had my debit card IN HAND. So there was NO waiting to receive it on order to make purchases or access funds after opening my account. The person who opened my account was the branch Asst. Manager, and she was the most professional, yet personable and FRIENDLY and HELPFUL, rather than the “norm” of what i had experienced in the past from other entities. I have been with Radiant CU now for the better part of a year, and i absolutely LOVE them. They are always friendly and helpful, no matter what issue one may have. I dont normally write reviews, but felt i needed to for Radiant. And this is coming from a 25+ year member of a certain credit union who’s name begins with a V whom id had nothing BUT trouble with following my divorce. Up to and including my ex being allowed to access my account AFTER he had been removed, and then doing nothing to rectify the issues. Radiant has been AMAZING!! Youll be 100% satisfied with the people and their services if you join membership with them! ### 5/5 — Stellar Service *2026-04-07, version 4020.2.0* Whenever I Have Dealings With Radiant The Service Has Been Outstanding!! So Good In Fact That I I Was Able To Convince My & Son To Become Members!! ### 5/5 — Very pleased *2026-03-03, version 4020.0.0* I’m happy to have such a satisfying experience with the institution.. ### 5/5 — Radient bank lover *2025-12-27, version 4019.0.3* Friendly helpful staff! ### 5/5 — Love *2025-11-24, version 4018.1.1* Have had this bank account for years. Paid off a few vehicles and they are always dependable! Love everything about them. ### 5/5 — 1 Credit Union *2025-10-24, version 4018.1.1* Radiant is fantastic! ### 5/5 — Easy to use *2025-08-23, version 4018.0.0* Would not bank with no other bank in Gainesville, because I got the number one banking in Gainesville area. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*