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Rates

APY = Annual Percentage Yield. Rates effective as of October 15, 2018. Fees may reduce earnings.

Cartwheel Checking

Balance Tier Min. Opening Balance Opening Fee APY for Stated Balance Tier Interest Rate Blended APY on Full Account Balance
$0 - $10,000 $0 $0 2.00% 1.98% 2.00%
$10,001+ $0 $0 0.05% 0.05% 0.05% to 2.00%
Qualifications Not Met $0 $0 0% 0% 0%

Please read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Effective dates 10/1/18 - 10/31/18. Dividends compounded and credited monthly. Limit one (1) rewards checking account per primary account holder. Rewards checking accounts include Cartwheel Checking, Velocity Checking, and Cash Back Checking accounts. To earn reward interest rate and ATM fee refunds, the primary account holder must meet the following three (3) requirements per Monthly Qualification Cycle: 

  • Have at least 12 debit card purchases post and settle
  • Receive free e-Statement notice
  • Log into Online Branch

If the primary accountholder meets the monthly qualifications balances up to $10,000 earn APY of 2.00% and balances over $10,000 earn 0.05% APY on portion of balance over $10,000, resulting in a range from 0.05% to 2.00% APY depending on the account balance. In addition to receiving the reward rate, domestic ATM fees, up to $25 per qualification cycle, will be credited to the account if monthly qualifications are met. For full account details, visit veritycu.com/cartwheel.

Please read our change in terms for Cartwheel checking accounts, effective October 1

Velocity Checking (no new enrollment)

Balance Tier Min. Opening Balance Opening Fee APY for Stated Balance Tier Interest Rate Blended APY on Full Account Balance
$0 – $15,000 $0 $0 2.00% 1.98% 2.00%
$15,001+ $0 $0 0.05% 0.05% 0.05% to 2.00%
Qualifications Not Met $0 $0 0% 0% 0%

Please read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Effective dates 10/1/18 - 10/31/18. Dividends compounded and credited monthly. Velocity Checking is free checking. There's never a penalty fee if you come up short on a qualification. To bring home your full rewards, the primary accountholder can simply do the following transactions and activities in the checking account each monthly qualification cycle: 

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and receive free e-Statement notice
  • Be enrolled and log into Online Branch

If Monthly Qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly Statement Cycle; (2) balances up to $15,000 earn APY of 2.00%; and (3) balances over $15,000 earn 0.05% APY on portion of balance over $15,000, resulting in a range from 0.05% APY to 2.00% APY depending on the account balance. If qualifications are not met, all balances earn no interest and ATM fees are not refunded.

Please read our change in terms for Velocity checking accounts, effective October 1

Sweet Deal Cartwheel Checking

Balance Tier Min. Opening Balance Opening Fee APY for Stated Balance Tier Interest Rate Blended APY on Full Account Balance
$0 - $10,000 $0 $0 5.00% 4.89% 5.00%
$10,001+ $0 $0 0.05% 0.05% 0.05% to 5.00%
Qualifications Not Met $0 $0 0% 0% 0%

*APY = Annual Percentage Yield. No minimum to open. Limit one (1) reward checking account (including Cartwheel Checking, Cash Back Checking, Velocity Checking) per primary account holder. Available for new checking accounts only, or for those who have not had a Verity checking account in the past 6 months. Monthly qualifications apply: 12 debit purchases post and settle, primary account holder enrolled and log in to Online Branch, primary account holder enrolled in and receive free e-statements notice. If Monthly Qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn APY of 5.00%; and (3) balances over $10,000 earn 0.05% APY on portion of balance over $10,000, resulting in a range from 0.05% to 5.00% APY, depending on the account balance. If qualifications are not met, all balances earn no interest and ATM fees are not refunded. Promotional 5.00% APY earned for 6 full Monthly Qualification Cycles after the account is opened; after that date promotional rate adjusts to match non-promotional Cartwheel Checking account rate, if monthly qualifications are met. Fees may reduce earnings. APY accurate as of 10/1/2018 and may change after account is opened. Must be at least 18 years old to open a rewards checking account. Account approval, qualifications, limits, enrollments and other requirements apply. For full details, definition of terms and qualifications, visit veritycu.com/sweetdeal. Federally insured by NCUA.

Personal Checking Accounts

Account Min. Opening Balance Opening Fee Interest Rate APY
Cash Back Checking* $0 $0 0% 0%
Verity Checking $0 $0 0% 0%
Value Checking (no new enrollment) $0 $0 0.10% 0.10%
Youth Checking $0 $0 0.10% 0.10%

Effective dates: 10/1/18 - 10/31/18. Dividends compounded and credited monthly.

Please read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Please read our change in terms for Verity checking accounts, effective October 1

*Cash Back Checking is a rewards checking account. Visit veritycu.com/cashback to learn more.

Personal Savings Accounts

Account Type Min. Opening Balance Opening Fee Interest Rate APY
Prime Shares Savings $5 $5 0.05% 0.05%
Youth Savings $0 $0 0.10% 0.10%
Secondary Savings $0* $0 0.05% 0.05%

Dividends compounded and credited monthly. Effective dates: 10/1/18 - 10/31/18

*See #5 in Truth in Savings Disclosure

Be sure to read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Money Market

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0 - $9,999 $1,000 $0 0.05% 0.05%
$10,000 – $49,999 $1,000 $0 0.10% 0.10%
$50,000 – $99,999 $1,000 $0 0.25% 0.25%
$100,000 – $249,000 $1,000 $0 0.30% 0.30%
$250,000 + $1,000 $0 0.30% 0.30%

Dividends compounded and credited monthly. Effective dates: 10/15/18 - 10/21/18

Be sure to read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Effective July 1, 2018, Premium Money Market accounts are being combined with Money Market accounts. Please read the Change in Terms disclosure for more information.

Health Savings Account (no new enrollment)

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0– $ 4,999 $5 $25 0.20% 0.20%
$5,000+ $5 $25 0.25% 0.25%

Dividends compounded and credited monthly. Effective dates: 10/15/18 - 10/21/18

Be sure to read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.

Personal IRA

IRA Certificate Term On Balances APY Interest Rate
12 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.05% 1.05%
$25,000 - $74,999 1.10% 1.09%
$75,000 + 1.16% 1.15%
18 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.30% 1.29%
$25,000 - $74,999 1.36% 1.34%
$75,000 + 1.41% 1.40%
24 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.56% 1.55%
$25,000 - $74,999 1.61% 1.60%
$75,000 + 1.66% 1.65%
36 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.96% 1.95%
$25,000 - $74,999 2.01% 2.00%
$75,000 + 2.06% 2.05%
60 Month $0 - $999 N/A N/A
$1,000 - $24,999 2.12% 2.10%
$25,000 - $74,999 2.17% 2.15%
$75,000 + 2.22% 2.20%

Rates effective from 10/15/18 - 10/21/18

Education IRA

IRA Certificate Term On Balances APY Interest Rate
12 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.05% 1.05%
$25,000 - $74,999 1.10% 1.10%
$75,000 + 1.16% 1.15%

Rates effective from 10/15/18 - 10/21/18

Variable IRA Share Accounts

On Balances APY Interest Rate
$0-9,999 0.15% 0.15%
$10,000 - $19,999 0.20% 0.20%
$20,000+ 0.25% 0.25%

Effective dates: 10/1/18 - 10/31/18

Personal Certificate Accounts

Share Certificate Term On Balances APY Interest Rate
90 Day $0 - $999 N/A N/A
$1,000 - $24,999 0.45% 0.45%
$25,000 - $74,999 0.50% 0.50%
$75,000 + 0.55% 0.55%
6 Month (Savers certificate) $0 - $999 0.50% 0.50%
6 Month $1,000 - $24,999 0.65% 0.65%
$25,000 - $74,999 0.70% 0.70%
$75,000 + 0.75% 0.75%
12 Month (Savers certificate) $0 - $999 0.60% 0.60%
12 Month $1,000 - $24,999 1.05% 1.05%
$25,000 - $74,999 1.10% 1.10%
$75,000 + 1.16% 1.15%
13 month* (no new enrollment) $0 - $999 N/A N/A
$1,000 - $24,999 2.00% 1.98%
$25,000 - $74,999 2.00% 1.98%
$75,000 + 2.00% 1.98%
24 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.56% 1.55%
$25,000 - $74,999 1.61% 1.60%
$75,000 + 1.66% 1.65%
25 month* (no new enrollment) $0 - $999 N/A N/A
$1,000 - $24,999 2.75% 2.72%
$25,000 - $74,999 2.75% 2.72%
$75,000 + 2.75% 2.72%
36 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.96% 1.95%
$25,000 - $74,999 2.01% 2.00%
$75,000 + 2.06% 2.05%
60 Month $0 - $999 N/A N/A
$1,000 - $24,999 2.12% 2.10%
$25,000 - $74,999 2.17% 2.15%
$75,000 + 2.22% 2.20%

Be sure to read the Certificate Truth-In-Savings Disclosure.

*To earn promotional rates on certificates of deposit, must have minimum opening deposit of $1,000 and maintain balance of at least $1,000. Account must be open by 8/4/18 to qualify. Fees may reduce earnings. 13-month certificate of deposit earns 2.00% APY, or a dividend rate of 1.98%, and will automatically renew to a standard 12-month certificate of deposit at maturity, unless otherwise notified. 25-month certificate of deposit earns 2.75% APY, or a dividend rate of 2.72%, and will automatically renew to a standard 24-month certificate of deposit at maturity, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Early withdrawal penalty of 180 days interest applies. 

Effective Dates: 10/15/18 - 10/21/18

Personal Loans

Loan TypeAnnual Percentage Rate (APR)Additional Information
Personal 8.24% - 19.99% Verity members can apply by logging into Online Branch and clicking the "Online Loan Application" link! Lowest rate includes rate discounts. See below for details.**
ReadyMoney 10.24% - 18.24% Personal line of credit. You only pay interest on the money you use; payment amount based on the amount you owe.
Secured 3.00% APR + Shared/Certificate Rate* Great way to establish a positive credit history. Loan is secured with funds deposited in a Verity account. Two kinds offered.*

*Share Secured Loan is secured with funds deposited in your Verity Prime Share Savings Account. Rates are 3.00% + the Share Rate. Certificate Secured Loan is secured with funds deposited in a Certificate Account. Rates are 3.00% + the Certificate Rate. Rates current as of 10/1/18 and subject to change.

**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution.

Rates current as of 10/1/18 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

Auto, Boats and RVs

ProductAnnual Percentage Rate (APR)Additional Information
New or Used Auto 3.25% - 18.00% Lowest rate includes rate discounts. See below for details.*
New or Used Motorcycle 4.75% - 18.99% Lowest rate includes rate discounts. See below for details.**
New ATV or Jet Ski 4.75% - 18.99% Lowest rate includes rate discounts. See below for details.**
New or Used RV 3.99% - 19.34% Lowest rate includes rate discounts. See below for details.**
Boat/Marine Mortgages 3.99% - 19.34% Lowest rate includes rate discounts. See below for details.**

The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle, and loan-to-value ratio. Maximum vehicle mileage for financing is 150,000. Maximum vehicle age for financing is 15 years; maximum motorcycle age for financing is 3 years. 

*Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA Smartway Certified vehicles (https://www.epa.gov/greenvehicles/find-smartway-vehicle), 0.25% for financing less than 80% loan-to-value. Rates current as of 9/17/18 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution and 0.25% for financing less than 80% loan-to-value. Rates current as of 9/17/18 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

Masterline HELOC

Product Amount Financed (LTV) Annual Percentage Rate (APR)* Additional Information
Masterline Home Equity Line of Credit up to 80% Current Appraised Value 5.74% - 7.50%

No Annual Fee. 10 year draw, 15 year repayment.

Up to 3 active Rate Locks allowed at any time.

81% - 90% Current Appraised Value 5.84% - 6.50%

Product Amount Financed (LTV) Annual Percentage Rate (APR)*
5 Year Rate Lock up to 80% Current Appraised Value 5.29% - 7.50%
81% - 90% Current Appraised Value 5.99% - 6.49%
10 Year Rate Lock up to 80% Current Appraised Value 5.34% - 7.75%
81% - 90% Current Appraised Value 6.34% - 7.00%
15 Year Rate Lock up to 80% Current Appraised Value 5.44% - 8.50%
81% - 90% Current Appraised Value 6.59% - 7.25%

*APR = Annual Percentage Rate. The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 10/1/18 and are subject to change at any time. Masterline Home Equity Line of Credit index is the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the first day of each month. The APR on Masterline Home Equity Lines of Credit are variable and may be subject to change during the term of the loan; the lowest possible APR during the life of the loan (“the floor”) is 4.00% APR and the highest possible APR (“the ceiling”) is 15.00%. Verity Masterline HELOCs incur a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $680 or more depending on property. Available for qualified borrowers only. Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Members pay all closing costs on investment properties; limit of 2 investment properties with home equity loans per member. Masterline HELOC early closure fee: if your account is paid in full and closed within 24 months of opening, you will be charged the lesser of $350 or 2% of the initial credit limit.

Home Equity Line of Credit Account Fixed Rate Advances provide for up to 15 years of monthly principal and interest payments, depending on the amount advanced. Fixed Rate Advances are subaccounts of a Home Equity Line of Credit (HELOC).

Home Equity Loans

Product Amount Financed (LTV) Annual Percentage Rate (APR)* Additional Information
Home Equity Line of Credit up to 80% Current Appraised Value 6.25% - 8.00%  No annual fee. 10 year draw; 15 year repayment
81% - 90% Current Appraised Value 7.00% - 7.25%
5 Year Fixed Rate Home Equity up to 80% Current Appraised Value 4.49% - 6.49% No annual fee. Lowest rate includes rate discounts. See below for details.**
81% - 90% Current Appraised Value 5.74% - 6.49%
10 Year Fixed Rate Home Equity up to 80% Current Appraised Value 4.99% - 6.74% No annual fee. Lowest rate includes rate discounts. See below for details.**
81% - 90% Current Appraised Value 5.99% - 6.99%
15 Year Fixed Rate Home Equity up to 80% Current Appraised Value 5.24% - 7.74% No annual fee. Lowest rate includes rate discounts. See below for details.**
81% - 90% Current Appraised Value 6.24% - 7.49%

*The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 10/1/18 and are subject to change at any time. If you have any questions or require current rate information on your accounts, please call us at (206) 440-9000 or (800) 444-4589.

The APR on home equity lines of credit is variable and may be subject to change during the term of the loan; the lowest possible APR during the life of the loan (“the floor”) is 4.00% APR and the highest possible APR (“the ceiling”) is 15.00%. Verity HELOCs incur a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $680 or more depending on property. Available for qualified borrowers only. Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Members pay all closing costs on investment properties. HELOC early closure fee: if your account is paid in full and closed within 24 months of opening, you will be charged the lesser of $350 or 2% of the initial credit limit. Home Equity Early Disclosure.

Home Equity Line of Credit index is the Weekly Average Yield on United States Treasury Securities adjusted to a constant maturity of 1 (one) year as published in the Wall Street Journal in effect on the 15th day of the last month prior to each calendar quarter, rounded up to the nearest .25 percentage point.

**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution.

Sustainable Lending Loans

Loan Type Annual Percentage Rate (APR) Additional Information
Solar 3.49% - 7.24% Terms up to 20 years. Maximum loan amount $60,000. A Uniform Commercial Code (UCC-1) will be filed on all solar loans. Lowest rate include discounts. See below for details.*
Green Auto 3.25% - 18.00% Eligible vehicle EPA Smartway Certified (https://www.epa.gov/greenvehicles/find-smartway-vehicle). Lowest rate includes discounts. See below for details.**
Bicycle 5.99% - 6.24% Term of 24 months. Lowest rate includes discounts. See below for details.*

Rates current as of 9/17/18 and are subject to change at any time. The APR you receive is based on several factors, including your creditworthiness, repayment schedule, repayment method, age and type of collateral, and loan-to-value ratio. For the latest rate information, contact us at (800) 444-4589.

*Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution, 0.25% for financing less than 80% loan-to-value.

**Lowest rate includes the following discounts: 0.50% for EPA Smartway Certified vehicles (https://www.epa.gov/greenvehicles/find-smartway-vehicle), 0.25% for automatic debit payments from an account at any financial institution, and 0.25% for financing less than 80% loan-to-value. The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age of vehicle, and loan-to-value ratio. Maximum vehicle mileage for financing is 150,000 miles. Maximum vehicle age for financing is 15 years.

Credit Cards

Product Annual Percentage Rate (APR)

Visa Classic

8.99% - 18.99%*

Passport Platinum

10.74% - 20.74%*
Journey Rewards 11.49% - 21.49%*

*Rates current as of 10/16/18 and will vary with market based Prime Rate. Introductory 2.99% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR will be determined in accordance with Verity's loan policy and your credit profile. The current ranges are set forth above. For complete details, view our current fee schedule or read our Credit Card Agreement and Credit Card Rates and Related Disclosures document.

Credit Cards - originated before January 1, 2017

Product Annual Percentage Rate (APR)
Platinum Passport 7.50% - 16.50%*
Journey Rewards 8.50% - 17.50%*
Classic 9.50% - 18.50%*

*Rates current as of 7/12/18 and will vary with market based Prime Rate. Introductory 2.99% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR will be determined in accordance with Verity's loan policy and your credit profile. The current ranges are set forth above. For complete details, view our current fee schedule or read our Credit Card Agreement and Credit Card Rates and Related Disclosures document. Register your card with Verified by Visa for more secure shopping.

Business Opportunity Checking

Min. Opening Balance Opening Fee Interest Rate APY
$100 $0 0% 0%

Effective Dates: 10/1/18 - 10/31/18

Be sure to read the Business Truth-In-Savings Disclosure.

 

Business Interest Checking

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0 – $19,999 $1000 $0 0.15% 0.15%
$20,000 – $49,999 $1000 $0 0.25% 0.25%
$50,000+ $1000 $0 0.35% 0.35%

Effective Dates: 10/1/18 - 10/31/18

Be sure to read the Business Truth-In-Savings Disclosure.

Business Savings

Min. Opening Balance Opening Fee Interest Rate APY
$5 $5 0.05% 0.05%

Dividends compounded and credited monthly. Effective dates: 10/1/18 - 10/31/18

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Business Savings account at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership Agreement.

Be sure to read the Business Truth-in-Savings Disclosure.

Business Money Market

Balance Min. Opening Balance Opening Fee Min. Balance Required to Earn Interest Interest Rate APY
$0 – $9,999 $1,000 $0 N/A 0.05% 0.05%
$10,000 – $49,999 $1,000 $0 N/A 0.10% 0.10%
$50,000 – $99,999 $1,000 $0 N/A 0.25% 0.25%
$100,000 – $249,000 $1,000 $0 N/A 0.30% 0.30%
$250,000+ $1,000 $0 N/A 0.30% 0.30%

Dividends compounded and credited monthly. Effective dates: 10/15/18 - 10/21/18

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Business Savings account at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership Agreement.

Be sure to read the Business Truth-in-Savings Disclosure.

Effective July 1, 2018, Premium Money Market accounts are being combined with Money Market accounts. Please read the Change in Terms disclosure for more information.

Business Certificate Accounts

Certificate Term Balance APY Interest Rate
30 Day (no new enrollment) $0 - $999 N/A

N/A

$1,000 - $24,999 0.45% 0.45%
$25,000 - $74,999 0.50% 0.50%
$75,000 + 0.55% 0.55%
90 Day $0 - $999 N/A N/A
$1,000 - $24,999 0.45% 0.45%
$25,000 - $74,999 0.50% 0.50%
$75,000 + 0.55% 0.55%
6 Month $0 - $999 N/A N/A
$1,000 - $24,999 0.65% 0.65%
$25,000 - $74,999 0.70% 0.70%
$75,000 + 0.75% 0.75%
12 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.05% 1.05%
$25,000 - $74,999 1.10% 1.10%
$75,000 + 1.16% 1.15%
13 Month* (no new enrollment) $0 - $999 N/A N/A
$1,000 - $24,999 2.00% 1.98%
$25,000 - $74,999 2.00% 1.98%
$75,000 + 2.00% 1.98%
24 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.56% 1.55%
$25,000 - $74,999 1.61% 1.60%
$75,000 + 1.66% 1.65%
25 Month* (no new enrollment) $0 - $999 N/A N/A
$1,000 - $24,999 2.75% 2.72%
$25,000 - $74,999 2.75% 2.72%
$75,000 + 2.75% 2.72%
36 Month $0 - $999 N/A N/A
$1,000 - $24,999 1.96% 1.95%
$25,000 - $74,999 2.01% 2.00%
$75,000 + 2.06% 2.05%
60 Month $0 - $999 N/A N/A
$1,000 - $24,999 2.12% 2.10%
$25,000 - $74,999 2.17% 2.15%
$75,000 + 2.22% 2.20%

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Certificate Accounts at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

*To earn promotional rates on certificates of deposit, must have minimum opening deposit of $1,000 and maintain balance of at least $1,000. Account must be open by 8/4/18 to be eligible. Fees may reduce earnings. 13-month certificate of deposit earns 2.00% APY, or a dividend rate of 1.98%, and will automatically renew to a standard 12-month certificate of deposit at maturity, unless otherwise notified. 25-month certificate of deposit earns 2.75% APY, or a dividend rate of 2.72%, and will automatically renew to a standard 24-month certificate of deposit at maturity, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Early withdrawal penalty of 180 days interest applies.

Be sure to read the Business Truth-in-Savings Disclosure.

Effective Dates: 10/15/18 - 10/21/18

Business Credit Cards

Product Annual Percentage Rate
Business Visa 10.00% - 14.00%

*Rates current as of 7/12/18 and will vary with market based Prime Rate. Introductory 2.99% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR will be determined in accordance with Verity's loan policy and your credit profile. The current ranges are set for above. For complete details, view our current fee schedule or read our Business Credit Card Agreement. Register your card with Verified by Visa for more secure shopping.