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Loans
Home Equity & Home Improvement Loan Rates (Effective: 09-01-14)

Begin your loan application today with Veridian!

HOME EQUITY FIXED APR
as low as*
Loyalty APR
as low as°
5 Year (60 mos.) Fixed Home Equity1 3.00% APR 2.75% APR
SPECIAL! 10 Year (120 mos.) Fixed Home Equity1 3.24% APR 2.99% APR
15 Year (180 mos.) Fixed Home Equity1 4.25% APR 4.00% APR
20 Year (240 mos.) Fixed Home Equity2 5.00% APR 4.75% APR

HOME EQUITY LINE OF CREDIT (HELOC) APR
as low as*
Loyalty APR
as low as°
5 Year (60 mos.) Fixed Home Equity3(Line of Credit) 3.50% APR 3.25% APR
10 Year (120 mos.) Fixed Home Equity3 (Line of Credit) 4.00% APR 3.75% APR
Open-End Home Equity4 (Line of Credit) 4.00% Variable APR

HOME IMPROVEMENT LOANS APR
as low as*
Loyalty APR
as low as°
With Veridian Mortgage5    
5 Year (60 mos.) 5.50% APR 5.25% APR
10 Year (120 mos.) 6.25% APR 6.00% APR
15 Year (180 mos.) 6.75% APR 6.50% APR
Without Veridian Mortgage (maximum $7500)5    
3 Year (36 mos.) 8.00% APR 7.75% APR
4 Year ( 48 mos.) 9.00% APR 8.75% APR
5 Year (60 mos.) 10.00% APR 9.75% APR

* APR = Annual Percentage Rate. Loan rates shown as APR, expressed "as low as" and determined by credit score (except home equity loans). Loans subject to credit approval. Rates, terms and conditions subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Equal Housing Opportunity.
° Annual Percentage Rate based on credit score. Includes Loyalty Discount of 0.25% APR for enrolling in direct deposit of net income and automatic loan payments from a Veridian account.
1 - For $50,000 Home Equity Special amortized for 120 months and a 2.99% APR, the monthly payment will be $483 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply.
2 - For $50,000 Home Equity amortized for 240 months and a 4.75% APR, the monthly payment will be $278 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Loan–to-value ratio must not exceed 80% to qualify for loan. Appraisal fees may apply.
3 - Rate is fixed for first 5 years of the plan, after the 5 year (60 mos.) term expires the rate is variable, maximum APR is 21%. For a $30,000 5 year fixed HELOC at 3.25% APR the monthly payment will be $300 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply.
4 - Maximum interest rate 21% APR. For a $30,000 home equity line of credit balance at 4.00% APR, the monthly payment will be $300. Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply.
5 -For a $20,000 Home Improvement Loan amortized for 120 months at 6.00% APR, the monthly payment will be $223. Appraisal fees may apply.
For more information please call (800) 235-3228 or (319) 236-5600