Radiant Credit Union and First Coast Community Credit Union (FCCCU) have officially joined forces as of December 1, 2025 — a milestone that’s been eagerly anticipated by both teams. With FCCCU members voting in favor of the partnership and all regulatory approvals finalized, the two organizations now move forward as one united credit union.
This merger represents a partnership built on shared values, a commitment to exceptional service, and a unified vision for expanding financial opportunities for all. Together, we're excited to move forward as one organization, continuing to provide the trusted service and community focus our members rely on.
This merger brings together two institutions built on shared values: community focus, financial empowerment, and a member-first philosophy. By combining strengths, the new partnership will be positioned to offer expanded services, improved technology, and more ways to support members across North Central and Northeast Florida.
“I am thrilled about this merger and the opportunities it creates for our institution. While we are enhancing our services, the core of who we are will remain - the same values, the same member focus, and the same friendly faces you know and trust at your local branches." - Gretchen Lunsford, CEO of First Coast Community Credit Union.
Integration work begins right away, with teams already collaborating on a smooth transition that’s expected to run through the end of 2026. Throughout the process, both credit unions are committed to keeping things simple and familiar for members, even as new tools and expanded offerings roll out.
“We are incredibly excited to welcome the First Coast Community Credit Union membership into the Radiant family. This merger is about our shared ability to serve more people as we grow. We look forward to using our tools and resources to connect our new members to better banking solutions, together.” - said Tom Barnard, CEO of Radiant Credit Union.
Members can expect regular updates as integration progresses, including details about new features, enhanced access, and what to expect during the transition.
By combining the strengths of both Radiant Credit Union and First Coast Community Credit Union, we’ve created an organization that offers more convenience, better technology, and a wider range of financial products, all while maintaining the same personal service and community focus our members know and trust.
Here’s what members can look forward to:
- More Branch Access – With a larger network of branches and ATMs, members will enjoy greater convenience wherever they go.
- Enhanced Digital Banking – Radiant’s state-of-the-art online and mobile banking services will deliver improved tools to manage money anytime, anywhere.
- Expanded Products & Services – Members will have access to more loan options, better savings opportunities, and enhanced financial solutions tailored to their needs.
- Financial Strength & Security – As one united Credit Union, we are stronger and more resilient, ensuring long-term stability and growth for our members.
A Brighter Future, Together
By welcoming First Coast to the Radiant team, we're building something better for our members. In uniting our strengths, we can offer more value, more convenience, and more opportunities for financial success.
We’re excited to embark on this new chapter as one Credit Union, together.