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^«Cash-back offer valid on applications received through 5/31/24 with loans booked by 6/15/24. Offer is for 1% of the payoff amount, not to exceed $150, on vehicle loans of $10,000 or more from another financial refinanced with Veridian. Loan must be held by Veridian, all Veridian loans must be paid current, and other Veridian accounts must not be overdrawn for funds to be deposited into a Veridian savings account on the third business day of the fourth month after loan is booked. No-payment offer valid on applications received through 5/31/24 with loans booked by 6/15/24. No monthly payments required for the first three months. Interest accrual begins immediately and may increase the amount required to pay the loan in full as well as change the schedule of repayment. Offer only applies to loans from other financial institutions refinanced with Veridian.  
 
 

^{^}APR = Annual Percentage Rate. Introductory rate offer of 3.99% APR for first six months is valid on applications through 6/30/2024 and is not eligible for Loyalty Program discount during this period. Introductory rate cannot be combined with other offers.  After introductory period, loan returns to regular rates and terms. Existing home equity loans with Veridian may be refinanced if loan balance increases at least 25% with new money. Home improvement loans and loans tied to first mortgages are not eligible.

^♦ APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Rate fixed for first 60 or 120 months of the 25-year term; after that, the rate is variable and the maximum APR is 21%. Add up to 2.5% to interest rate for home equity lines of credit with loan-to-value ratios over 80% (maximum of 100%). Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. Home equity loans only available in Iowa, Nebraska & Minnesota and do not include escrow. All loans subject to membership and approval. Appraisal fees may apply. See Veridian for details.

^⨳APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Existing loans with Veridian may be refinanced if the new loan balance contains at least 25% new money to the credit union in the form of competitor payoffs. All loans subject to membership and approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio, as well as age and mileage of vehicle. All loans subject to approval. See Veridian for details.

^◂Cash back rate of 2% requires inclusion in Loyalty Program by enrolling in eDocs and maintaining either direct deposit of at least $250 to Veridian monthly or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will receive standard cash back rate of 1.5% if they fail to meet Loyalty Program qualifications during the month. Points toward cash back are earned at the time of purchase based on your current Loyalty Program status. See Veridian for details.