Shop smart with a low-interest Holiday Loan

Give your credit cards a rest this holiday season and save on interest with a Radius FCU Holiday Loan. You can borrow from $500 to $5,000 with a 12-month term and fixed rates as low as 6.00% APR1 to make gift shopping, party throwing, and decorating more affordable.

You don’t need to use a vehicle or your home as collateral, and you can apply in minutes online during regular business hours. You’ll have an answer in an hour.

Let us help you put the happy into your holidays!

1 APR = Annual Percentage Rate. $500 minimum loan amount, $5,000 maximum. Rates depend upon credit qualification. All rates are subject to change at any time. Other rates and terms may apply


Rates as low as 4.75% APR*

Is it finally time to turn that wish list into reality? Radius is here to help. Apply now for a Home Equity Line of Credit (HELOC) at a great low rate and borrow what you need, so it’s ready when you need it.

You can borrow up to 90% of your home’s equity, and you’ll only pay interest on the amount you use—not the total credit line.

Use your HELOC to pay for home improvements, repair projects, education costs, big ticket purchases like appliances, and more. You can even use your Radius Home Equity Line of Credit to consolidate higher-interest debt and save on interest.

 Plus, you can borrow from your available credit line as often as you like for the first 10 years.

 Call a loan officer at 716-875-1747 today to get started.

*APR = Annual Percentage Rate.This rate will never exceed 5.00% of your initial qualifying rate. Rates are available to new accounts only and cannot be used to refinance existing Radius FCU equity debt. Rates are dependent upon credit qualification and may change at any time without notice. Other rates and terms may apply. Radius waives 50% of the closing costs for home equity lines of credit of $50,000 or more. However, if you close your account within the first 36 months of your account open date, you must reimburse the credit union for the actual costs and fees paid in connection with the opening of your account. Minimum line amount is $10,000. The term will be 25 years which will include a 10-year draw period and a 15-year repayment from the last draw date. HELOC will only be written as a first or second mortgage.



Whether it’s time for a new or used car, truck, or SUV or you simply want to refinance your existing higher-interest vehicle loan, Radius has some of the lowest rates available. Plus, you can take up to 60 days to make your first payment2!

Apply online during regular business hours and get approved in as little as an hour. Or call us at 716-875-1747 to get pre-approved. We’ll tell you how much you qualify to borrow, and you can negotiate your best deal with cash in hand.

1 APR is Annual Percentage Rate. Rates depend upon credit qualification. All rates are subject to change at any time. Other rates and terms may apply.
2 Interest will continue to be accrued daily on the outstanding loan balance during the deferral period and until the loan is paid in full. The terms and conditions of the loan agreement are unchanged and remain in full force and effect, except, that there will not be any regular payment required during the deferral period set forth. This is only valid on new booked loans and not existing loans. Deferment is only offered during credit union promotional periods.


If you have higher-interest credit card balances, this is the perfect opportunity to transfer those balances to a new or existing Radius Visa Credit Card. You’ll save money on interest and simplify your life with a single monthly payment.

  • Enjoy 3.99% APR1 for 12 months
  • Save even more with no balance transfer fees
  • Transfer higher-interest credit card balances and pay less in interest charges

Think about outstanding balances you may be carrying—especially on department and convenience store cards that typically have rates well over 20%. With this special offer, you could save hundreds!

Learn more about the many benefits of our Radius Visa Credit Card, including a low interest rate on purchases and Scorecard Rewards Points that help you earn one-of-a-kind travel experiences, brand name merchandise or cash Rewards.

Already have a card? It’s easy to get started! Just call us at 716-875-1747 to set up your balance transfer at this special rate. Or bring the statements for balances you’d like to transfer into the branch.

1APR=Annual Percentage Rate; 3.99% is fixed for 12 billing cycles from balance transfer date. After that, the fixed rate for balance transfers will be as low as 10.90%, based on credit history and qualification. There is a $25 minimum for balance transfers.

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