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 Discount of 0.25% APR for enrolling in direct deposit of net income and automatic loan payments from a Veridian account. 

Home Equity 1.30%

*APR = Annual Percentage Rate. Offer available to all Veridian members who qualify. Offer valid 5/1/2017 through 7/31/2017 and may not be used in conjunction with first-mortgage loans. 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. Intro rate is 1.30% APR for first 6 months and not eligible for Loyalty Discount. Loyalty Discount is 0.25% APR deduction for enrolling in direct deposit of net income and automatic loan payments from a Veridian account (borrowers lose Loyalty Discount if qualifications aren’t met during loan term). After intro period, loan returns to regular rates and terms. Current rates range between 3.40% APR and 6.75% APR depending on the loan type chosen and may include Loyalty Discount. Maximum rate includes additional 2-2.5% to rate for home equity loans with loan-to-value ratios over 80% (maximum of 100%). Maximum APR for home equity lines of credit is 21%. Existing home equity loans with Veridian may be refinanced if loan balance will increase by at least 25%. Promotion excludes home improvement loans. Appraisal fees may apply.

Auto Loans

APR = Annual Percentage Rate. Fixed APR for up to 48 months with 10% down. For a $15,000 auto loan with a term of 48 months and 1.94% APR, the monthly payment will be $325. Includes Loyalty Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments from your Veridian account. Borrowers will lose Loyalty Discount if they fail to meet 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, mileage, or make and model of the vehicle. All loans subject to approval. Rates subject to change.

Home Equity Fixed (5 year, 10 year, 15 year)

APR = Annual Percentage Rate. For a $50,000 home equity loan amortized for 120 months and a 4.00% APR, the monthly payment will be $507 (taxes and insurance premiums not included). Add 2.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. Loyalty Discount of 0.25% APR for enrolling in direct deposit of net income and automatic loan payments from a Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term.

10 & Done

APR = Annual Percentage Rate. Fixed loan rate and expressed “as low as.” 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. Loan must be in first lien position. Includes Loyalty Discount of 0.25% APR for enrollment in direct deposit of net income and automatic payments from a Veridian account. Borrowers lose Loyalty Discount if they fail to meet qualifications during loan term. For a $50,000 10 & Done Loan amortized for 120 months at 3.74% APR, the monthly payment will be $500 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Appraisal fees may apply. Any advertised closing costs assume title guaranty and appraisal are not required. Additional costs may apply.

Home Equity Variable (HELOC: 5, 10)

APR = Annual Percentage Rate. Rate is fixed for first five years of the plan, and after the five-year (60-month) term expires, the rate is variable and the maximum APR is 21%. For a $30,000 five-year fixed HELOC at 3.40% APR, the monthly payment will be $300 (taxes and insurance premiums not included). Includes Loyalty Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments from your Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term. Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. 

Mortgage Products

All prices are for 30-day rate locks for single-family, owner-occupied transactions. Rates based on 740 credit score and 75% loan-to-value ratio. Rates are subject to change without notice . Origination is 1% of the loan amount unless otherwise noted with no discount points. For a $150,000 30 year fixed mortgage at 3.375%, the monthly payment will be $663.14 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Veridian is not responsible for typographical errors or omissions. For other loan amounts, terms, and rates, contact a Mortgage Loan Originator. Additional disclosures available.

Deposit Products

*APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Interest on CDs are compounded quarterly. APY is subject to change after account is opened. 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.

PAL

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.

Rewards Credit Card

APR = Annual Percentage Rate. Displayed rate determined by adding 5.9% APR to Prime. Prime means the “Prime Rate” as published under “Money Rates” in The Wall Street Journal. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Current rates range from 10.15% to 18%. Possible fee(s): foreign transaction fee is 1% of each multiple currency transaction or .8% of each single currency transaction.

Platinum Credit Cards

APR = Annual Percentage Rate. Displayed rate determined by adding 4.9% APR to Prime. Prime means the “Prime Rate” as published under “Money Rates” in The Wall Street Journal. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Current rates range from 9.15% to 18%. Possible fee(s): foreign transaction fee is 1% of each multiple currency transaction or .8% of each single currency transaction.

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