Personal Loans

Your financing needs are unique, and loans are not “one-size fits all.” We offer a variety of personal loans to fit your unique needs.

Personal LoanPersonal Loan

Personal loans are usually secured only by your signature. Therefore, you'll likely have a slightly higher interest rate. 

  • Available for any amount up to $20,000 per member for those who qualify.
  • To qualify for a personal loan, you'll be asked to provide a proven record of job stability, good credit and a manageable debt load.


Apply for a personal loan

PAL Payday Alternative Loan (PAL)

A small short-term loan similar to a payday loan but without the sky-high interest rate. With its longer repayment term, the PAL will help you develop healthy savings habits.

  • Available up to $1,000.
  • Half available up front, other half held until loan is paid in full.
  • Interest rate as low as 19%  APR.

View the qualifications for a PAL.

Apply for a PAL

Premier Personal LoanPremier Personal Loan

If your credit score is 720 or higher, you may qualify for a Premier Personal Loan at a lower rate, available in amounts from $10,000 up to $40,000.

Apply for a premier personal loan

Quick Draw LoanQuick Draw Line of Credit

A Quick Draw line of credit is a loan you can link to your checking account as overdraft protection. This can prevent bounced checks and overdraft fees.

Apply for a Quick Draw



APR = Annual Percentage Rate. The annual percentage rate does not take into account your required deposit. 19% APR with Automatic Payment, 21% APR without Automatic Payment. For a $1,000 fixed Payday Alternative Loan (PAL) with a term of six months and 19% APR, the monthly payments will be $177. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. PALs are limited to one every six months. All loans subject to approval.

APR = Annual Percentage Rate. Loyalty Discount of 0.25% APR requires direct deposit of net income and automatic loan payments using your Veridian account. Premier Personal Loans require a minimum credit score of 720 for all borrowers. Additional requirements must be met. For a $20,000 Premier Personal Loan with a term of 60 months and 7.25% APR, the monthly payments will be $400. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness. All loans subject to approval. See Veridian for details.

Locate a Branch

Locations in Iowa and Nebraska to serve you.

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