Limited Time Offer on HELOCs Apply Now

Home Equity Lines of Credit

Open a HELOC that you can use over and over.

Save with zero closing costs

For a limited-time, pay zero closing costs on any home equity loan. Get a great rate as low as 3.35% APR with Loyalty Program on a five-year fixed HELOC. That’s the value of Veridian. Apply today!

Get a line of credit

When you apply for a HELOC, you get a credit limit, and you can borrow up to that amount. As you pay your balance down, you can borrow again, similar to a credit card.


Product Details

Fixed Rate Icon
An Initial Fixed Rate

Most HELOCs have a variable rate for the life of the loan, but Veridian's HELOCs offer a fixed rate that will not change for the first 5 or 10 years. That gives you more confidence and stability for the future.

Renewable Resource Icon
A Renewable Resource

You can pay down your HELOC and borrow up to your limit again and again, similar to a credit card. Save more on all sorts of purchases over your 25-year term.

Money and Stopwatch Icon
Move Money Instantly

You can access your HELOC through online banking and our mobile app. Simply make transfers from your HELOC to your savings or checking accounts when you need to draw from it.

100 Icon
Borrow What You Need

Get up to 100% of the value of your equity. Please note that rates increase once your loan-to-value ratio goes over 80%.


This loan may be a good fit for you if:

  • You have equity in your home.
  • You're doing DIY or other projects with expenses over time.
  • You like the security of a line of credit you can borrow from.
  • You want to use your credit over and over again, like a credit card.
Money Icon

Rates, Terms & Payment Examples

Calculate Your Estimated Minimum Monthly HELOC Payment

Your monthly payment is determined by the funds you access/balance you carry. Use the slider to estimate a minimum monthly payment based on your balance.

$ Your Equity

Your Equity

5 Year Fixed Rate(60 Month) 10 Year Fixed Rate(120 Month)
APR as low as 3.60% 4.25%
Loyalty APR as low as 3.35% 4.00%
Payment Example$50 or 1% of your balance, whichever is greater $### $###
Total term 25 years (300 months) 25 years (300 months)

Getting a Home Equity Line of Credit

Computer Icon STEP 1:
Apply Online in Minutes

Fill out the application and submit your documents.

Signature and Documents Icon STEP 2:
Close Your Loan

Sign final loan documents with standard closing costs of around $275.

Money Icon STEP 3:
Start Spending

You’ll receive access to your line of credit and can start drawing from it.

Frequently Asked Questions

FAQs Icon

Are you ready to start your line of credit?

Get a Heloc

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 6/30/22 and may not be used in conjunction with first-mortgage loans. Loan balance must be at least $10,000 and include at least 25% new money to the credit union.

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 and Nebraska and do not include escrow. All loans subject to membership and approval. Appraisal fees may apply. See Veridian for details.


Locate a Branch

Locations in Iowa and Nebraska to serve you.

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