Refinance for less


Get a special rate and no closing costs* on a 10 & Done.

If you'd like to save more interest on your home, move your mortgage to a 10 & Done loan. It's easy, with far less paperwork and lower closing costs than a typical refinance.

Even better: You'll pay zero closing costs1 and get a special rate that could save you tons when you apply by April 30. Save more on your 10 & Done loan for the first six months with an intro rate of 1.49% APR2, then keep saving with a rate as low as 2.99% APR3 after that.

How much could you save? For example, let's say your mortgage has a balance of $102,000, an interest rate of 5% and 10 years left on the term. You can use our loan calculator to discover your potential savings:

  Current mortgage 10 & Done loan
Remaining term 10 years 10 years
APR 5.00% 2.99%
Monthly payment $1,080 $988
Interest remaining $28,635 $16,575
Savings $0 $12,060

That's almost half the remaining interest on your mortgage back in your pocket to spend on whatever you like.

Refinance your mortgage to save money, pay off your home faster and achieve financial freedom sooner. Schedule an appointment to discuss your options or begin an application today. Don't wait – you can only get no closing costs and an intro rate of 1.49% APR when you apply by April 30.

Apply for a 10 & Done Loan

1 Standard closing costs of up to $275 are waived. Other fees, such as appraisal or title guarantee fee, may apply and will be paid by borrower. Offer valid on applications received through 4/30/2021. Existing loans with Veridian may be refinanced if the new loan balance contains at least 25% new money to the credit union.

2 APR = Annual Percentage Rate. Introductory rate offer of 1.49% APR for first six months is valid on applications through 4/30/21 and is not eligible for Loyalty Program discount during this period. After introductory period, loan returns to regular rates and terms.

3 Loan must be in first lien position. 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. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. Loan-to-value ratio must not exceed 80%. 10 & Done loans only available in Iowa and Nebraska. All loans subject to membership and approval. See Veridian for details.

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