Radiant and First Coast Community Credit Union Are Joining Together to Serve North Florida
First Coast Community Credit Union is preparing for an exciting new chapter: a pending merger with Radiant Credit Union. Together, we’ll form a stronger, more connected credit union – rooted in shared values and focused on our members.
Frequently Asked Questions
First Coast Community Credit Union’s Board of Directors voted to seek a merger partner that could enhance and expand member services, provide stronger financial security, offer lower rates and fees, and deliver best-in-class digital and electronic banking experiences. The Board wanted to ensure that First Coast’s dedicated employees would have continued career growth and access to the best possible benefits.
Radiant Credit Union was chosen after careful evaluation because of our shared values, community-based focus, and proven member service. Both credit unions are rooted in local, people-first values – and now, together, we can offer more convenience, greater stability, and even better member benefits.
This partnership strengthens both organizations, enabling us to expand our reach, invest in advanced technology, and better serve members across North and Central Florida.
We’re excited to share that First Coast members have officially voted to approve the merger with Radiant Credit Union. This is an important milestone that allows both credit unions to move forward with final regulatory approvals and operational integration planning.
The newly combined organization will unite under one mission: to help members achieve financial well-being through trusted service, convenient access, and community support.
All current First Coast employees will remain with the organization. Every team member plays a vital role in serving our combined membership, and day-to-day operations will continue as usual.
As the merger progresses, employees will gain access to expanded training, tools, and professional development opportunities within the larger Radiant organization – creating more potential for career growth and advancement.
For now, the credit union will operate as First Coast Community Credit Union powered by Radiant Credit Union.
No changes are planned to branch locations.
All existing First Coast and Radiant Credit Union branches will remain open, providing
members with a combined network of 13 convenient locations throughout Florida.
The merger is expected to be finalized on December 1, 2025, pending standard regulatory and operational approvals.
Members can expect regular updates as we move through each phase of integration.
No changes will occur immediately. Your account numbers, debit and credit cards, and online/mobile banking credentials will remain the same for now.
Any updates will be communicated well in advance to ensure a smooth and seamless transition.
Yes. All deposits will continue to be federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account, exactly as they are today.
There will be no immediate changes to existing rates or fees.
As the two credit unions integrate, Radiant will review all products and services to ensure members receive the best possible value – often meaning more competitive rates, lower fees, and improved rewards.
Members will gain access to:
- A broader branch network and ATM coverage
- Expanded digital banking and mobile app features
- A wider range of loan and deposit products
- Continued commitment to community involvement and education
This merger allows both credit unions to combine strengths and deliver more robust products, technology, and financial solutions.
Members can continue reaching out exactly as before:
- First Coast Community Credit Union: (386) 328-5555 or info@firstcoastccu.com
- Radiant Credit Union: (877) 786-7828 or ask@radiantcu.org
We’re here to answer your questions and ensure you feel informed and confident throughout the transition.