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. 

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 2.39% APR, the monthly payment will be $329. 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.

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.

Visa Credit Cards

APR = Annual Percentage Rate. Rate determined by adding 4.9% to 15.9% 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%. Maximum APR is 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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