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Rates

APY = Annual Percentage Yield. Rates effective as of May 23, 2016. Fees may reduce earnings.

Cartwheel Checking

Balance Min. Opening Balance Opening Fee Dividend Rate APY
$0 - $10,000 $0 $0 1.98% 2.00%
$10,001+ $0 $0 0.10% 2.00% to 0.27% 
Qualifications Not Met $0 $0 0.05% 0.05%

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

Dividends Compounded And Credited monthly. Effective dates 5/1/16-5/31/16. Cartwheel Checking is free checking. There's never a penalty fee if you come up short on a qualification. To bring home your full rewards, simply do the following transactions and activities in your 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

Velocity Checking (no new enrollment)

Balance Min. Opening Balance Opening Fee Dividend Rate APY
$0 – $15,000 $0 $0 1.98% 2.00%
$15,001+ $0 $0 0.10% 0.10%
Qualifications Not Met $0 $0 0.05% 0.05%

Dividends compounded and credited monthly. Effective Dates: 5/1/16 - 5/31/16

Personal Checking Accounts

Account Min. Opening Balance Opening Fee Dividend Rate APY
Verity Checking $0 $0 0.10% 0.10%
Value Checking* $0 $0 0.10% 0.10%
Youth Checking $0 $0 0.10% 0.10%

Dividends compounded and credited monthly. Effective dates: 5/1/16-5/31/16

* This account must be opened in branch.

Personal Savings Accounts

Account Type Min. Opening Balance Opening Fee Dividend Rate APY
Prime Shares Savings $5 $5 0.10% 0.10%
Youth Savings See #8 in Truth in Savings Disclosure $0 0.10% 0.10%
Secondary Savings $0* $0 0.10% 0.10%

Dividends compounded and credited monthly. Effective dates: 5/1/16-5/31/16

*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 Dividend Rate APY
$0 - $999 $1000 $0 0.10% 0.10%
$1,000 –$19,999 $1000 $0 0.10% 0.10%
$20,000 – $49,999 See #5 in Truth in Savings Disclosure $0 0.10% 0.10%
$50,000+ See #5 in Truth in Savings Disclosure $0 0.15% 0.15%

Dividends compounded and credited monthly. Effective dates: 5/23/16-5/29/16

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

Health Savings Account (no new enrollment)

Balance Min. Opening Balance Opening Fee Dividend 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: 5/1/16-5/31/16

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

Premium Money Market

Balance Min. Opening Balance Opening Fee Dividend Rate APY
$0 - $49,999 $50,000 $0 0.10% 0.10%
$50,000 – $99,999 $50,000 $0 0.25% 0.25%
$100,000+ See #5 in Truth in Savings Disclosure $0 0.30% 0.30%

Dividends compounded and credited monthly. Effective dates: 5/23/16 - 5/29/16

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 $100 - $999 N/A N/A
12 Month $1,000 - $24,999 0.35% 0.35%
12 Month $25,000 - $74,999 0.40% 0.40%
12 Month $75,000 + 0.45% 0.45%
18 Month $100 - $999 N/A N/A
18 Month $1,000 - $24,999 0.43% 0.43%
18 Month $25,000 - $74,999 0.48% 0.48%
18 Month $75,000 + 0.53% 0.53%
24 Month $100 - $999 N/A N/A
24 Month $1,000 - $24,999 0.50% 0.50%
24 Month $25,000 - $74,999 0.55% 0.55%
24 Month $75,000 + 0.60% 0.60%
36 Month $100 - $999 N/A N/A
36 Month $1,000 - $24,999 0.85% 0.85%
36 Month $25,000 - $74,999 0.90% 0.90%
36 Month $75,000 + 0.95% 0.95%
60 Month $100 - $999 N/A N/A
60 Month $1,000 - $24,999 1.29% 1.28%
60 Month $25,000 - $74,999 1.34% 1.33%
60 Month $75,000 + 1.39% 1.38%

Rates effective from 5/23/16 - 5/29/16

Education IRA

IRA Certificate Term On Balances APY Interest Rate
12 Month $100 - $999 N/A N/A
12 Month $1,000 - $24,999 0.35% 0.35%
12 Month $25,000 - $74,999 0.40% 0.40%
12 Month $75,000 + 0.45% 0.45%

Rates effective from 5/23/16 - 5/29/16

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: 5/23/16 - 5/29/16

Personal Certificate Accounts

Share Certificate Term On Balances APY Interest Rate
90 Day $100 - $999 N/A N/A
90 Day $1,000 - $24,999 0.20% 0.20%
90 Day $25,000 - $74,999 0.25% 0.25%
90 Day $75,000 + 0.30% 0.30%
6 Month $100 - $999 0.25% 0.25%
6 Month $1,000 - $24,999 0.25% 0.25%
6 Month $25,000 - $74,999 0.30% 0.30%
6 Month $75,000 + 0.35% 0.35%
12 Month $100 - $999 0.35% 0.35%
12 Month $1,000 - $24,999 0.35% 0.35%
12 Month $25,000 - $74,999 0.40% 0.40%
12 Month $75,000 + 0.45% 0.45%
24 Month $100 - $999 N/A N/A
24 Month $1,000 - $24,999 0.50% 0.50%
24 Month $25,000 - $74,999 0.55% 0.55%
24 Month $75,000 + 0.60% 0.60%
36 Month $100 - $999 N/A N/A
36 Month $1,000 - $24,999 0.85% 0.85%
36 Month $25,000 - $74,999 0.90% 0.90%
36 Month $75,000 + 0.95% 0.95%
60 Month $100 - $999 N/A N/A
60 Month $1,000 - $24,999 1.29% 1.29%
60 Month $25,000 - $74,999 1.34% 1.33%
60 Month $75,000 + 1.39% 1.38%

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

Effective Dates: 5/23/16 - 5/29/16

Personal Loans

Loan TypeAnnual Percentage Rate (APR)Additional Information
Personal 7.50% - 19.00% Verity members can apply by loging into Online Branch and clicking the "Online Loan Application" link! Lowest rate includes rate discounts. See below for details.**
Computer 9.50% Purchase minimum of $500 and maximum of $5,000. Purchased and financed computer must be new.
ReadyMoney 7.00% - 15.00% 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.*
Bicycle Loans 5.99% - 6.24% The monthly payment for 24 months at 6.24% APR would be $44.44 per $1,000. Lowest rate includes rate discounts. See below for details.**

*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 1/25/16 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 1/25/16 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 1.59% - 18.94% Lowest rate includes rate discounts. See below for details.*
New or Used Motorcycle 3.09% - 19.94% Lowest rate includes rate discounts. See below for details.**
New ATV or Jet Ski 3.09% - 19.94% Lowest rate includes rate discounts. See below for details.**
New or Used RV or Boat 3.04% - 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.

*Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for hybrid vehicle or vehicle with EPA highway ratings of 30 mpg or more, 0.25% for financing less than 80% loan-to-value. Rates current as of 1/25/16 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 1/25/16 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

Home Mortgage Loans

View our current mortgage rates at our Real Estate Center.

Home Equity Loans

Product Amount Financed (LTV) Annual Percentage Rate (APR)** Additional Information
Home Equity Line of Credit 80% Current Appraised Value 4.25% - 6.00% (1.99% for the first 12 months)* Annual Fee is $40. Floor 4.00%; Ceiling 15%
Home Equity Line of Credit 90% Current Appraised Value 5.00% - 5.25% 10 Year Draw; 15 Year Repayment
5 Year Fixed Rate Home Equity 80% Current Appraised Value 3.99% - 6.24% No annual fee. Lowest rate includes rate discounts. See below for details.***
5 Year Fixed Rate Home Equity 90% Current Appraised Value 5.24% - 5.99% No annual fee. Lowest rate includes rate discounts. See below for details.***
10 Year Fixed Rate Home Equity 80% Current Appraised Value 4.24% - 6.49% No annual fee. Lowest rate includes rate discounts. See below for details.***
10 Year Fixed Rate Home Equity 90% Current Appraised Value 5.49% - 6.24% No annual fee. Lowest rate includes rate discounts. See below for details.***
15 Year Fixed Rate Home Equity 80% Current Appraised Value 4.49% - 6.99% No annual fee. Lowest rate includes rate discounts. See below for details.***
15 Year Fixed Rate Home Equity 90% Current Appraised Value 5.74% - 6.74% No annual fee. Lowest rate includes rate discounts. See below for details.***

The APR is variable and may be subject to change during the term of the loan; minimum APR is 4.00% and the maximum APR is 15.00%. Verity HELOCs incur a $40 annual fee on anniversary dates and a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $500 or more depending on property. If an appraisal is required, Verity will credit $150.00 toward appraisal costs for Signature Members. Available for qualified borrowers only

Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Members pay all closing costs on investment properties and intro rate is not available.

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.

* The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 1/13/16 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.

**Intro rate not available on investment properties.

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

Credit Cards

Product Annual Percentage Rate (APR)
Passport Platinum 6.75% - 15.75%*
Journey Gold 7.75% - 16.75%*
Visa Classic 8.75% - 17.75%*

*Rates current as of 1/25/16 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 Credit Card Rates and Related Disclosures document. Register your card with Verified by Visa for more secure shopping.

Opportunity Checking

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

Effective Dates: 5/1/16-5/31/16

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

 

Business Interest Checking

Balance Min. Opening Balance Opening Fee Dividend Rate APY
$0 – $19,999 $1000 $0 0.25% 0.25%
$20,000 – $49,999 $1000 $0 0.35% 0.35%
$50,000+ $1000 $0 0.45% 0.45%

Effective Dates: 5/1/16-5/31/16

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

Business Savings

Min. Opening Deposit Opening Feein. Opening Deposit Min. Balance Required to Avoid Fee Rate APY
$5 $5 See #5 of the Truth-in-Savngs Disclosure See #5 of the Truth-in-Savngs Disclosure 0.10%

Dividends compounded and credited monthly. Effective dates: 5/1/16-5/31/16

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 Dividend Rate APY
$1,000 – $19,999 $1,000 $0 See #5 of the Truth-in-Savings Disclosure 0.10% 0.10%
$20,000 – $49,999 $1,000 $0 See #5 of the Truth-in-Savings Disclosure 0.10% 0.10%
$50,000+ $1,000 $0 See #5 of the Truth-in-Savings Disclosure 0.15% 0.15%

Dividends compounded and credited monthly. Effective dates: 5/23/16 - 5/29/16

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 Premium Money Market

Balance Min. Opening Balance Opening Fee Min. Balance Required to Earn Interest Dividend Rate APY
$50,000 – $99,999 $50,000 $0 See #5 of the Truth-in-Savings Disclosure 0.10% 0.10%
$100,000+ $50,000 $0 See #5 of the Truth-in-Savings Disclosure 0.10% 0.10%

Dividends compounded and credited monthly. Effective dates: 5/23/16 - 5/29/16

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 Certificate Accounts

Certificate Term Balance APY Interest Rate
30 Day $100 - $999 N/A N/A
30 Day $1,000 - $24,999 0.20% 0.20%
30 Day $25,000 - $74,999 0.25% 0.25%
30 Day $75,000 + 0.30% 0.30%
Variable Maturity Certificate $100 - $999 N/A N/A
Variable Maturity Certificate $1,000 - $24,999 Ask Representative Ask Representative
Variable Maturity Certificate $25,000 - $74,999 Ask Representative Ask Representative
Variable Maturity Certificate $75,000 + Ask Representative Ask Representative

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.

Be sure to Read the Truth-in-Savings Disclosure

Effective Dates: 5/23/16 - 5/29/16