Questions? Contact us or stop by your closest location.
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
View associated fees for personal accounts and business accounts.
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Personal Checking, Savings, Money Market
Checking Accounts
Account APY Interest Rate Minimum Opening Balance Opening Fee Cash Back Checking* 0% 0% $0 $0 Double Cash Back Checking** 0% 0% $0 $0 Verity Checking 0% 0% $0 $0 Youth Checking 0.10% 0.10% $0 $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account.
Effective dates: 11/1/26 - 11/30/26. Interest compounded and credited monthly.
*Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking and Cash Back Checking accounts. To earn cash back and ATM fee refunds, the primary accountholder must meet the following three (3) requirements per Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
If the primary accountholder meets the monthly qualifications, the account will be refunded up to 2.00% of the first $250 spent via POS purchases during the cycle. Maximum cash back award is $5 per Monthly Qualification Cycle. In addition to cash back, domestic ATM fees incurred during the qualification cycle will be credited to the account if monthly qualifications are met. For full account details, visit veritycu.com/checking
**Double Cash Back Checking accounts are only available for employees of nonprofit organizations. To learn more, visit veritycu.com/nonprofit
Cartwheel Checking
Balance APY Interest Rate Blended APY Minimum Opening Balance Opening Fee $0-$10,000 0.50% 0.50% 0.50% $0 $0 $10,000+ 0.03% 0.03% 0.03% - 0.50% $0 $0 Monthly qualifications not met 0% 0% 0% $0 $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account.
Effective dates: 11/1/26 - 11/30/26. Interest compounded and credited monthly.
* Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking and Cash Back Checking accounts. To earn the reward rate and ATM fee refunds, the primary accountholder must meet the following three (3) requirements per Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
If the primary accountholder meets the monthly qualifications, balances up to $10,000 earn an APY of 0.50% , and balances over $10,000 earn 0.03% APY on portion of balance over $10,000, resulting in a range from 0.03% to 0.50% APY, depending on the account balance. In addition to receiving the reward rate, domestic ATM fees incurred during the qualification cycle will be credited to the account if monthly qualifications are met. For full account details, visit veritycu.com/checking
Savings Accounts
Account APY Interest Rate Minimum Opening Balance Opening Fee Prime Share Savings 0.03% 0.03% $0 $5 Youth Savings 0.10% 0.10% $0 $0 Secondary Savings 0.03% 0.03% $0* $0 Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Fees may reduce earnings on the account.
Effective dates: 11/1/26 - 11/30/26. Interest compounded and credited monthly.
*See #5 in the Truth in Savings disclosure.
Max My Savings
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$50,000 4.00% 3.93% $0 $0 $50,000+ 0.03% - 4.00% 0.03% $0 $0 Monthly qualifications not met 0.03% 0.03% $0 N/A APY = Annual Percentage Yield. APY is effective as of 2/1/26 and is subject to change at any time. 4.00% APY on balances up to $50,000 and 0.03% - 4.00% APY on balances of more than $50,000, subject to qualifying factors being met during each statement cycle. 0.03% APY if qualifications are not met. Limit one Max My Savings account per primary account holder. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity. See the Truth in Savings Disclosure and Fee Schedule – Savings and Checking Accounts for details. Fees may reduce earnings on the account.
Money Market
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 0.10% 0.10% $1,000 $0 $10,000-$49,999 0.20% 0.20% $1,000 $0 $50,000-$99,999 0.55% 0.55% $1,000 $0 $100,000-$249,999 0.60% 0.60% $1,000 $0 $250,000+ 0.75% 0.75% $1,000 $0 Effective dates: 11/9/26 - 11/15/26. Interest compounded and credited monthly.
Please read the Truth-In-Savings Disclosure and Fee Schedule—Savings and Checking Accounts. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account
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Business Checking, Savings, Money Market
Business Opportunity Checking
APY Interest Rate Minimum Opening Balance Opening Fee 0% 0% $100 $0 Effective dates: 11/1/26 - 11/30/26.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Interest Checking
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$19,999 0.05% 0.05% $1,000 $0 $20,000-$49,999 0.05% 0.05% $1,000 $0 $50,000+ 0.05% 0.05% $1,000 $0 Monthly fee of $25 if average monthly balance is below $15,000.
Effective dates: 11/1/26 - 11/30/26.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Analysis Checking
Minimum Opening Balance Opening Fee Earning Credit Rate $1,000 $0 0.75% Effective dates: 11/1/26 - 11/30/26.
Be sure to read the Business Truth-in-Savings disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
IOLTA & IRETA Checking
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$19,999 0.05% 0.05% $100 $0 $20,000-$49,999 0.05% 0.05% $100 $0 $50,000+ 0.05% 0.05% $100 $0 Monthly fee of $25 if average monthly balance is below $15,000.
Effective dates: 11/1/26 - 11/30/26.
Be sure to read the Business Truth-in-Savings Disclosure. Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Business Prime Share Savings and Business Savings
APY Interest Rate Minimum Opening Balance Opening Fee 0.03% 0.03% $5 $5 0.03% 0.03% $5 $0 Interest compounded and credited monthly. Effective dates: 11/1/26 - 11/30/26.
Be sure to read the Business Truth-In-Savings Disclosure.
Business Money Market
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 0.10% 0.10% $1,000 $0 $10,000-$49,999 0.20% 0.20% $1,000 $0 $50,000-$99,999 0.55% 0.55% $1,000 $0 $100,000-$249,999 0.60% 0.60% $1,000 $0 $250,000+ 0.75% 0.75% $1,000 $0 Effective dates: 11/9/26 - 11/15/26.
Be sure to read the Business Truth-In-Savings Disclosure. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Community-Impact Money Market for Nonprofit Organizations
Balance APY Interest Rate Minimum Opening Balance Opening Fee $0-$9,999 2.00%
1.98%
$1,000 $0 $10,000-$49,999 2.15%
2.13%
$1,000 $0 $50,000-$99,999 2.30%
2.28%
$1,000 $0 $100,000-$249,999 2.35%
2.33%
$1,000 $0 $250,000+ 2.50%
2.47%
$1,000 $0 Effective dates: 11/9/26 - 11/15/26.
Be sure to read the Business Truth-In-Savings Disclosure. Money Market accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Community-Impact Money Market accounts are only available to nonprofit 501(c)(3) organizations. To earn promotional rate, deposit must be new money to Verity. Interest compounded and credited monthly.
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Certificates of Deposit - personal and business
Personal Certificate Accounts
Term Balance APY Interest Rate 90 day $0-$999 2.25% 2.23% $1,000-$24,999 2.25% 2.23% $25,000-$74,999 2.30% 2.28% $75,000+ 2.35% 2.33% 6 month (savers certificate) $0-$999 3.15% 3.11% 6 month $0-$999 3.15% 3.11% $1,000-$24,999 3.15% 3.11% $25,000-$74,999 3.20% 3.15% $75,000+ 3.25% 3.20% 12 month (savers certificate) $0-$999 3.20% 3.15% 12 month $0-$999 3.20% 3.15% $1,000-$24,999 3.20% 3.15% $25,000-$74,999 3.25% 3.20% $75,000+ 3.30% 3.25% 13 month $0-$999 4.05% 3.98% $1,000-$24,999 4.05% 3.98% $25,000-$74,999 4.05% 3.98% $75,000+ 4.05% 3.98% 18 month $0-$999 2.95% 2.91% $1,000-$24,999 2.95% 2.91% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% 19 month $0-$999 4.15% 4.07% $1,000-$24,999 4.15% 4.07% $25,000-$74,999 4.15% 4.07% $75,000+ 4.15% 4.07% 24 month $0-$999 2.75% 2.72% $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.85% 2.81% $75,000+ 3.00% 2.96% 25 month $0-$999 4.25% 4.17% $1,000-$24,999 4.25% 4.17% $25,000-$74,999 4.25% 4.17% $75,000+ 4.25% 4.17% 36 month $0-$999 2.85% 2.81% $1,000-$24,999 2.85% 2.81% $25,000-$74,999 2.90% 2.86% $75,000+ 2.95% 2.91% 60 month $0-$999 3.00% 2.96% $1,000-$24,999 3.00% 2.96% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity. All Certificates are subject to an early withdrawal penalty. For certificate under 365-day term, the penalty is 90 days interest. For certificate over 365-day term, the penalty is 180 days interest. Account approval, qualifications, limits, enrollments, and other requirements may apply. Fees may reduce earnings on the account.
Effective dates: 11/9/26 - 11/15/26.
Business Certificate Accounts
Term Balance APY Interest Rate 90 days $0-$999 2.25% 2.23% $1,000-$24,999 2.25% 2.23% $25,000-$74,999 2.30% 2.28% $75,000+ 2.35% 2.33% 6 month $0-$999 3.15% 3.11% $1,000-$24,999 3.15% 3.11% $25,000-$74,999 3.20% 3.15% $75,000+ 3.25% 3.20% 12 month $0-$999 3.20% 3.15% $1,000-$24,999 3.20% 3.15% $25,000-$74,999 3.25% 3.20% $75,000+ 3.30% 3.25% 13 month $0-$999 4.05% 3.98% $1,000-$24,999 4.05% 3.98% $25,000-$74,999 4.05% 3.98% $75,000+ 4.05% 3.98% 18 month $0-$999 2.95% 2.91% $1,000-$24,999 2.95% 2.91% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% 19 month $0-$999 4.15% 4.07% $1,000-$24,999 4.15% 4.07% $25,000-$74,999 4.15% 4.07% $75,000+ 4.15% 4.07% 24 month $0-$999 2.75% 2.72% $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.85% 2.81% $75,000+ 3.00% 2.96% 25 month $0-$999 4.25% 4.17% $1,000-$24,999 4.25% 4.17% $25,000-$74,999 4.25% 4.17% $75,000+ 4.25% 4.17% 36 month $0-$999 2.85% 2.81% $1,000-$24,999 2.85% 2.81% $25,000-$74,999 2.90% 2.86% $75,000+ 2.95% 2.91% 60 month $0-$999 3.00% 2.96% $1,000-$24,999 3.00% 2.96% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity. All Certificates are subject to an early withdrawal penalty. For certificate under 365-day term, the penalty is 90 days interest. For certificate over 365-day term, the penalty is 180 days interest. Account approval, qualifications, limits, enrollments, and other requirements may apply. There is no minimum deposit required to open a Certificate. Fees may reduce earnings on the account.
Effective dates: 11/9/26 - 11/15/26.
Community-Impact Certificate Accounts for Nonprofit Organizations
Term Balance APY Interest Rate 12 month $0-$999 4.05% 3.98% $1,000-$24,999 4.05% 3.98% $25,000-$74,999 4.05% 3.98% $75,000+ 4.05% 3.98% 24 month $0-$999 4.25% 4.17% $1,000-$24,999 4.25% 4.17% $25,000-$74,999 4.25% 4.17% $75,000+ 4.25% 4.17% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish business membership account as part of account opening. $5 membership fee is required to join Verity.
Community-Impact Certificates of Deposit are only available to nonprofit 501(c)(3) organizations. To earn promotional rate, deposit must be new money to Verity. To open an account, the business or organization must have been formed in Washington state, hold a valid Washington state business license and have more than half of the businesses’ principals eligible for Verity membership. CD will automatically renew at same term and rates will be in accordance with current rates at that date. Early withdrawal penalty of 180 days interest applies. Fees may reduce earnings on the account.
Effective dates: 11/9/26 - 11/15/26.
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Individual Retirement Accounts
IRA Certificates
Term Balance APY Interest Rate 12 month $0-$999 3.20% 3.15% $1,000-$24,999 3.20% 3.15% $25,000-$74,999 3.25% 3.20% $75,000+ 3.30% 3.25% 13 month $0-$999 4.05% 3.98% $1,000-$24,999 4.05% 3.98% $25,000-$74,999 4.05% 3.98% $75,000+ 4.05% 3.98% 18 month $0-$999 2.95% 2.91% $1,000-$24,999 2.95% 2.91% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% 19 month $0-$999 4.15% 4.07% $1,000-$24,999 4.15% 4.07% $25,000-$74,999 4.15% 4.07% $75,000+ 4.15% 4.07% 24 month $0-$999 2.75% 2.72% $1,000-$24,999 2.75% 2.72% $25,000-$74,999 2.85% 2.81% $75,000+ 3.00% 2.96% 25 month $0-$999 4.25% 4.17% $1,000-$24,999 4.25% 4.17% $25,000-$74,999 4.25% 4.17% $75,000+ 4.25% 4.17% 36 month $0-$999 2.85% 2.81% $1,000-$24,999 2.85% 2.81% $25,000-$74,999 2.90% 2.86% $75,000+ 2.95% 2.91% 60 month $0-$999 3.00% 2.96% $1,000-$24,999 3.00% 2.96% $25,000-$74,999 3.05% 3.01% $75,000+ 3.10% 3.06% Be sure to read the Certificate Truth-In-Savings Disclosure. Certificate accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account
Effective dates: 11/9/26 - 11/15/26. Interest compounded and credited monthly.
Variable IRA Share Accounts
Balance APY Interest Rate $0-$999 0.15% 0.15% $1,000-$24,999 0.20% 0.20% $25,000-$74,999 0.25% 0.25% Effective dates: 11/1/26 - 11/30/26. IRA accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share savings membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account.
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Credit Cards - personal and business
Credit Cards
Card Type APR Platinum Visa® 10.74% - 20.74% Signature Rewards Visa® 14.24% - 22.00% Business Signature Rewards Visa® 14.24% - 18.24% *Rates current as of 9/24/2026 and will vary with Prime Rate as published in the Wall Street Journal. Introductory 0% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR after introductory period and for purchases outside of promotional rate will be determined in accordance with Verity’s loan policy and your credit profile. For complete details, read our Credit Card Agreement, Business Credit Card Agreement and Credit Card Rates and Related Disclosures document. Bonus point offer for new cardholders only. Subject to credit approval. Rewards, including the 10,000 bonus points when you spend $1,000 in the first 90 days, begin accumulating with purchases made starting on the first day of the billing cycle in which the program begins and post to the account once reflected on the monthly statement. Points expire after five years. Additional terms and conditions apply—see Program Rules & Conditions.
Credit cards available to Verity Credit Union members only. If not existing member at time of applying, applicant will be required to establish Prime Share savings or business membership account as part of credit card opening. $5 membership fee is required to join Verity.
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Loans for personal use
Auto, boats, and RVs
Loan Type APR Additional Information New or used auto 4.84% - 17.59% Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.* New or used motorcycle 6.34% - 18.34% Maximum motorcycle age 3 years. Lowest rate includes discounts.** New or used RV 10.49% - 21.49% Lowest rate includes discounts.** New ATV or Jet Ski 6.34% - 18.34% Lowest rate includes discounts.** Boat and marine mortgages 10.49 % - 21.49% Financing not available for wooden hull boats. Lowest rate includes discounts.** Rates current as of 9/28/26 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle and loan-to-value ratio. Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
*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, and 0.25% for financing less than 80% loan-to-value.
**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.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
Eco-friendly loans
Loan Type APR Additional Information Solar 8.75 % - 12.50 % 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 includes discounts.* Green Auto 4.25% - 16.75% Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.** Bicycle 5.99% Maximum loan amount $10,000. Term of 24 months. Lowest rate includes discounts.* Rates current as of 10/1/25 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle and loan-to-value ratio. Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
*Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.75% for EPA Smartway Certified vehicles, 0.25% for financing less than 80% loan-to-value.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
Personal Loans
Loan Type APR Additional Information Personal 8.99% - 19.99% Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.* ReadyMoney 11.99% - 18.00% Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe. Secured 3.00% + Share/Certificate Rate** Great way to establish positive credit history. Loan is secured with funds deposited into a Verity account. Rates current as of 10/1/26 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity. The APR you receive for personal loans and lines of credit is based on your creditworthiness, repayment schedule, and repayment method. Lines of credit rates vary with market based Prime Rate throughout the life of the line of credit.
*Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
**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 10/26/22 and subject to change.
Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.
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Home Loans
Home Purchase & Refinance Mortgage Loans
Please click here for a personalized rate quote.
Home Equity Line of Credit
Product Amount financed
(LTV of current appraised value)APR* Home Equity Line of Credit* Up to 75% 7.49% - 8.50% 75.01%-80% 7.59% - 8.25% Home Equity Line of Credit (investment/rental properties)* Up to 60% 8.50% - 9.25% 5 year rate lock Up to 75% 8.75 % - 9.75% 75.01%-80% 9.00% - 9.50% 5 year rate lock (investment/rental properties) Up to 60% 9.25% - 9.75% 10 year rate lock Up to 75% 9.25% - 10.25% 75.01%-80% 9.50% - 10.00% 10 year rate lock (investment/rental properties) Up to 60% 9.75% - 10.25% 15 year rate lock Up to 75% 9.75% - 10.75% 75.01%-80% 10.00% - 10.50% 15 year rate lock (investment/rental properties) Up to 60% 10.25% - 10.75% APR = Annual Percentage Rate. The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 10/1/2026 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 that are based on current county rates. Member pays appraisal costs if an appraisal is needed; standard cost is $825 or more depending on property type and acreage. 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 and mortgages available in Washington state only.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
Fixed Home Equity Loans
Product Amount financed
(LTV of current appraised value)APR 5 year fixed Up to 75% 8.75 % - 9.75% 75.01%-80% 9.00% - 9.50% 5 year fixed (investment/rental properties) Up to 60% 9.25% - 9.75% 10 year fixed Up to 75% 9.00% - 10.25% 75.01%-80% 9.50% - 10.00% 10 year fixed (investment/rental properties) Up to 60% 9.75% - 10.25% 15 year fixed Up to 75% 9.75% - 10.75% 75.01%-80% 10.00% - 10.50% 15 year fixed (investment/rental properties) Up to 60% 10.25% - 10.75% Rates current as of 12/1/24 and are subject to change at any time. Mortgages and home equity loans available in Washington state only.
Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
Fees - Personal Accounts
Membership
| Membership fee (youth accounts exempt) | $5.00 |
Savings account
| Single Service/low balance fee (youth accounts exempt) | $10.00 per quarter |
| Undeliverable address fee | $4.00 per month |
Money Market account
| Money Market checks (30 checks) | Free |
Checking account
| Inactive checking account fee (account inactive >365 days) | $5.00 per month |
Debit card
| Transaction fee | Free |
| Initial debit card | Free |
| Replacement card fee, each | $6.00 |
| Priority delivery | $25.00 - $36.00 |
Wire transfers
| Wire transfer - incoming (domestic) | Free |
| Wire transfer - incoming (international) | $40.00 |
| Wire transfer - outgoing (domestic) | $20.00 |
| Wire transfer - outgoing (international) | $40.00 |
Account access
| Digital Banking access | Free |
| Telephone Teller access | Free |
| Bill Pay service (standard) | Free |
| Bill Pay service (next day delivery) | $19.95 |
| Bill Pay service (2nd business day delivery) | $14.95 |
| Zelle (requires Digital Banking enrollment) | Free |
Miscellaneous fees
| Money order fee | $2.00 per money order |
| Cashier's check fee | $2.00 per check |
| Share (corporate) check fee | Free |
| Notary fee (non-members) | $5.00 |
| Coin counting machine usage (Verity members) | Free |
| Coin counting machine usage (non-members) | 5% total coin counted |
Foreign item (check) processing
| Second party returned foreign check fee | $10.00 |
| Checks from other foreign countries, payable through foreign banks (for checks less than $2,500 U.S. Dollar equivalent) | $5.00 per item, plus additional correspondent bank fees (ranging from $1.00 - $22.00 depending on the country) |
| Correspondent bank fees for collection and courier (for checks greater than $2,500 U.S. Dollar equivalent plus 3rd party bank fees) | $25.00 per item |
General transaction and account fees
| Account research/balance/reconciliation | $20.00 per hour, $20 minimum |
| Overdraft Fee | $10.00 per presentment |
| Overdraft Fee POS-ATM | $10.00 per presentment |
| Non-sufficient funds (NSF) Fee | FREE |
| Overdraft transfer from shares | $5.00 |
| Check copy retrieval/research | $20.00 per hour |
| Cleared check copy (first 2 per account per statement free) | $3.00 per item |
| Counter check (12 checks) | Free |
| Current month history/statement copy | $5.00 |
| Empty envelope deposit in ATM | $25.00 |
| Paper statement (age 0-15 and 75+ exempt from fee) | $2.00 per statement |
| Pay by phone with debit/credit card or ACH | $15.00 |
| Member-initiated online payment by debit/credit card | $10.00 |
| Member-initiated online payment by ACH | Free |
| Postdated item | $5.00 per item |
| Deposited returned check | $20.00 |
| Second party returned check | $10.00 |
| Stop payment | $20.00 per request |
Disclosure: Truth-in-Savings disclosure for personal deposit accounts
Fees - Business Accounts
Membership
| Membership fee | $5.00 |
General transaction and account fees
| Account research/balance/reconciliation | $20.00 per hour, $20 minimum |
| Check copy retrieval/research | $20.00 per hour |
| Check printing | Prices vary depending on style |
| Cleared check copy (first 5 per account per statement free) | $3.00 per item |
| Counter check (12 checks) | $2.00 |
| Current month history/statement copy | $5.00 |
| Electronic debit returned NSF | $28.00 |
| Non-sufficient funds (NSF) Fee | FREE |
| Overdraft fee | $10.00 per presentment |
| Overdraft fee POS-ATM | $10.00 per presentment |
| Overdraft transfer from shares | $5.00 |
| Paper statement (age 0-15 and 75+ exempt from fee) | $2.00 per statement |
| Pay by phone with debit/credit card or ACH | $15.00 |
| Member-initiated online payment by debit/credit card | $10.00 |
| Member-initiated online payment by ACH | Free |
| Postdated item | $5.00 per item |
| Deposited returned check | $20.00 |
| Second party returned check | $10.00 |
| Stop payment | $20.00 per request |
Coin and currency
| Rolled coin order | $0.25 per roll |
| Currency order | $0.25 per strap (strap includes 25 bills) |
| Loose mixed coin deposit | $5.00 per bag |
| Rolled coin deposit | $0.20 per roll |
Deposit bags
| Disposable plastic bags | $0.35 per bag |
| Reusable zipper bags | $6.00 per bag |
| Reusable locking bags | $27.00 per bag |
Debit card
| Transaction fee | Free |
| Initial debit card | Free |
| Replacement card fee, each | $6.00 |
| Priority delivery | $25.00 - $36.00 |
Wire transfers
| Wire transfer - incoming (domestic) | Free |
| Wire transfer - incoming (international) | $40.00 |
| Wire transfer - outgoing (domestic) | $20.00 |
| Wire transfer - outgoing (international) | $40.00 |
Foreign item (check) processing
| Second party returned foreign check fee | $10.00 |
| Checks from other foreign countries, payable through foreign banks (for checks less than $2,500 U.S. Dollar equivalent) | $5.00 per item, plus additional correspondent bank fees (ranging from $1.00 - $22.00 depending on the country) |
| Correspondent bank fees for collection and courier (for checks greater than $2,500 U.S. Dollar equivalent plus 3rd party bank fees) | $25.00 per item |
Miscellaneous fees
| Money order | $2.00 per money order |
| Cashier's check | $2.00 per check |
| Corporate check | Free |
Fees for specific accounts
Savings account
| Undeliverable address fee | $4.00 per month |
Money Market account
| Money Market checks (30 checks) | Free |
Business Opportunity Checking
| Monthly service charge (includes 100 transactions) | Free |
| Additional transactions (more than 100) | $0.20 each |
Business Interest Checking
| Monthly service charge (unlimited transactions) | $25.00 |
| Online check imaging | Free |
| Inactive checking account fee (account inactive >365 days) | $5.00 per month |
IOLTA & IRETA Checking
| Monthly service charge if average monthly balance is below $15,000 | $25.00 |
Analysis Checking
Maintenance fees
| Monthly service charge | $15.00 |
Depository services
| ACH credits received | $0.15 per item |
| ACH debits received | $0.15 per item |
| Deposited checks | $0.20 per item |
| Checks paid | $0.15 per item |
| Purchased currency (strap equals 25 bills) | $0.25 per strap |
| Purchased rolled coin | $0.25 per roll |
| Loose mixed coin deposit | $5.00 per bag |
| Rolled coin deposit | $0.25 per roll |
| Cash deposit | $0.05 per $100 |
| Foreign check deposit ($2,500 or less) | $5.00 per item |
| Foreign check deposit (over $2,500 plus 3rd party bank fees) | $25.00 per item |
| Returned check | $20.00 per item |
| Stop payment | $20.00 per item |
| ATM deposit | $0.35 per deposit |
Wire transfers
| Wire transfer - incoming (domestic) | $15.00 |
| Wire transfer - incoming (international) | $20.00 |
| Wire transfer - outgoing (domestic) | $20.00 |
| Wire transfer - outgoing (international) | $40.00 |
Miscellaneous fees
| Business Digital Banking | Free |
| Initial debit card | Free |
| Replacement debit card | $6.00 |
| Debit card priority delivery | $30.00 |
| Account research | $20.00 per hour, $20.00 minimum |
| Cleared check copy (first 5 per account per statement are free) | $3.00 per item |
| Current month history/statement copy | $5.00 |
| Postdated item | $5.00 per item |
Fees ineligible to be offset by earnings credit
| Non-sufficient funds (NSF) paid | $28.00 per item |
| Non-sufficient funds (NSF) returned | $28.00 per item |
| Overdraft POS-ATM | $28.00 per item |
| Overdraft transfer from savings or line of credit | $5.00 per occurrence |
| Cashier's check | $2.00 per check |
| Money order | $2.00 per money order |
| Corporate check | Free |
| Counter checks (12 checks) | $2.00 |
| Paper statement fee | $2.00 per statement |
| Pay by phone debit/credit card or ACH | $15.00 |
| Member-initiated online payment by debit/credit card | $10.00 |
| Member-initiated online payment by ACH | Free |
| Inactive checking account (account inactive >365 days) | $5.00 per month |
Disclosure: Truth-in-Savings disclosure for business accounts
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