Rates

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.

Effective dates: 06/01/23 - 06/30/23. 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 

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.

Effective dates: 06/01/23 - 06/30/23. 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

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

Effective dates: 06/01/23 - 06/30/23. Interest compounded and credited monthly.

*See #5 in the Truth in Savings disclosure.

Effective dates: 06/01/23 - 06/04/23. 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.

Effective dates: 06/01/23 - 06/30/23. 

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.

Monthly fee of $25 if average monthly balance is below $15,000.

Effective dates: 06/01/23 - 06/30/23. 

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.

Monthly fee of $25 if average monthly balance is below $15,000.

Effective dates: 06/01/23 - 06/30/23. 

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.

Interest compounded and credited monthly. Effective dates: 06/01/23 - 06/30/23. 

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

Effective dates: 06/01/23 - 06/04/23. 

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.

Effective dates: 06/01/23 - 06/04/23. 

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.

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.

Effective dates: 06/01/23 - 06/04/23. Interest compounded and credited monthly.

Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Savers certificates require minimum $100 opening deposit; all other certificates require $1,000 minimum opening deposit.

*Promotional rate of 4.40% APY has interest rate of 4.31%. No minimum deposit requirement. At maturity, the 13-month certificate will automatically renew to a 12-month CD, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Available for businesses, consumers and nonprofit organizations. No public funds or IRA option. Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Offer subject to change at any time.

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.

Effective dates:  06/01/23 - 06/04/23.

Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Business certificates require $1,000 minimum opening deposit.

*Promotional rate of 4.40% APY has interest rate of 4.31%. No minimum deposit requirement. At maturity, the 13-month certificate will automatically renew to a 12-month CD, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. Available for businesses, consumers and nonprofit organizations. No public funds or IRA option. Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply. Offer subject to change at any time.

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.

Effective dates: 06/01/23 - 06/04/23. 

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. Community-Impact CD requires $1,000 minimum opening deposit and must maintain balance of at least $1,000. CD will automatically renew at same term and rates will be in accordance to current rates at that date. Early withdrawal penalty of 180 days interest applies. Fees may reduce earnings. 

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.

Effective dates: 06/01/23 - 06/04/23. Interest compounded and credited monthly.

Fees may reduce earnings. Early withdrawal penalty of 180 days interest applies. Account approval, qualifications, limits, enrollments and other requirements may apply.

Effective dates: 06/01/23 - 06/30/23. 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.

*Rates current as of 5/25/2023 and will vary with market based Prime Rate. 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. 

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. 

Rates current as of 03/27/23 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, 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.

Rates current as of 03/27/23 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.

Rates current as of 04/01/23 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.

Rates current as of 06/01/23 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. 

The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Available for qualified borrowers only. 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. Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Member pays appraisal costs if an appraisal is needed; standard cost is $825 or more depending on property. 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).

*No Annual Fee. 10 year draw, 15 year repayment. Up to 3 active Rate Locks allowed at any time. Not permitted behind an interest-only 1st mortgage.

Rates current as of 06/01/23 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. 

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%. The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Verity HELOCs incur a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $825 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. 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 discount: 0.25% for automatic debit payments from an account at any financial institution.