Rates

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, and collateral conditions.

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. 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 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 and loan-to-value ratio, 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 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. Add up to 2.5% to interest rate for home equity loans with loan-to-value ratios over 80% (maximum 100%). Appraisal fees may apply. Loans subject to approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio and collateral conditions. 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 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%). Rate may not be used in conjunction with first-mortgage loans. Closing costs as low as $225. Appraisal fees may apply. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval. See Veridian for details.

Mortgage - Standard

APR = Annual Percentage Rate.  All rates are for 45-day rate locks for single-family, owner-occupied purchase or rate/term refinance transactions with escrows. Rates based on 740 credit score, 75% loan to value and a loan amount of $150,000, rate can vary for other loan amounts. 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. All Veridian mortgages have no origination fee. Other loan terms may be available.  Lower interest rates 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. 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. Membership subject to qualifications and a minimum $5 share deposit.

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 and qualifications. 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 Prime Rate as published under “Money Rates” in The Wall Street Journal. Current Veridian credit card rates range from 8.15% to 18%. Maximum APR is 18%. Possible fee(s): foreign transaction fee is 1% of each transaction. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and card type. All loans subject to approval. See Veridian for details.

 

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