Disclosures
General Disclosures
APR = Annual Percentage Rate. Loan rates shown as APR, expressed "as low as" and determined by qualifications, including creditworthiness (except for home equity loans) and loan-to-value ratio, as well as age and mileage of vehicle (for auto loans). Loans subject to credit approval. Rates, terms and conditions subject to change without notice and may vary based on creditworthiness, qualifications, collateral conditions, and market.
Loyalty Program discount of 0.25% APR offered 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. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. See Veridian for details.
Auto - Standard Loan
⨳APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net payroll income to Veridian or, if unavailable, making a minimum of 10 qualifying checking account transactions per month. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. All loans subject to membership and approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio, market, as well as age and mileage of vehicle. All loans subject to approval. See Veridian for details.
Home Equity - 5-Year, 10-Year, 15-Year Fixed
⋄ APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net payroll income to Veridian or, if unavailable, making a minimum of 10 qualifying checking account transactions per month. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Add up to 2.5% to interest rate for home equity loans with loan-to-value ratios over 80% (maximum 100%). Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio, collateral conditions, and market. 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.
Home Equity - 5-Year, 10-Year Fixed HELOC
♦ APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net payroll income to Veridian or, if unavailable, making a minimum of 10 qualifying checking account transactions per month. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. 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, collateral conditions and market. 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.
Mortgage - Standard
≁ All Veridian mortgages have no origination fee. APR = Annual Percentage Rate. All rates are for single-family owner-occupied purchases or rate/term refinances with escrows. Rates based on 780 credit score, 75% loan to value, 30-day rate lock. Rate can vary for loan amounts not listed and longer rate lock terms. Rates are subject to change without notice. Veridian is not responsible for typographical errors or omissions. Payment examples do not include taxes and insurance, if applicable, payment will be higher. Other loan terms may be available. Lower interest rates may be available by paying discount points. Veridian NMLS ID# 531586.
CDs - Standard & Bump-Up
*APY = Annual Percentage Yield. Interest on CDs is compounded quarterly. APY is subject to change after account is opened except for CDs, the APY doesn't change on CDs until it matures. Interest rate locked when account is opened except for bump-up CDs, which can be converted to a higher rate once during their terms. Penalty may be imposed for early withdrawal, and fees could reduce earnings on account. Other rates and terms available. Withdrawal of earnings could reduce APY. APY may vary based on market. Membership required to open a CD and is subject to qualifications and a minimum $5 share deposit. Federally insured by NCUA.
Payday Alternative Loan (PAL)
▸ APR = Annual Percentage Rate. Rate does not take into account your required deposit. 19% APR with automatic payments, 21% APR without. PALs are limited to one every six months. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and market. All loans subject to approval. See Veridian for details.
Visa - Platinum, Rewards & Signature Credit Cards
†APR = Annual Percentage Rate. Rates for the Visa Signature, Visa Platinum and Visa Platinum Rewards cards are determined by adding 4.9% to 15.9% to the Prime Rate as published under “Money Rates” in The Wall Street Journal. Current Veridian credit card rates range from 12.65% to 18%. Maximum APR is 18%. Possible fees: foreign transaction fee is 1% of each transaction. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, card type, and market. All loans subject to approval. See Veridian for details.