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Rates

Browse our personal deposit and loan and business deposit rates below

Questions? Contact us or stop by your closest location

Rates effective 1/30/23. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

View associated fees for personal accounts and business accounts.

 

  • Personal Checking & Savings

    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.

    Effective dates: 01/01/23 - 01/31/23. 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: 

    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.

    Effective dates: 01/01/23 - 01/31/23. 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: 

    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% $5 $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.

    Effective dates: 01/01/23 - 01/31/23. Interest compounded and credited monthly.

    *See #5 in the Truth in Savings disclosure.

    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 0.80% 0.80% $1,000 $0
    $100,000-$249,999 0.85% 0.85% $1,000 $0
    $250,000+ 1.00% 1.00% $1,000 $0

    Effective dates: 01/30/23 - 01/31/23. 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.

  • Business Checking and Savings

    Business Opportunity Checking

    APY Interest Rate Minimum Opening Balance Opening Fee
    0% 0% $100 $0

    Effective dates: 01/01/23 - 01/31/23. 

    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.

    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: 01/01/23 - 01/31/23. 

    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.

    Business Analysis Checking

    Minimum Opening Balance Opening Fee Earning Credit Rate
    $100 $0 0.75%

    Effective dates: 01/01/23 - 01/31/23.

    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.

    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: 01/01/23 - 01/31/23. 

    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.

    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: 01/01/23 - 01/31/23. 

    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 0.80% 0.80% $1,000 $0
    $100,000-$249,999 0.85% 0.85% $1,000 $0
    $250,000+ 1.00% 1.00% $1,000 $0

    Effective dates: 01/30/23 - 01/31/23. 

    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 for Nonprofit Organizations

    Balance APY Interest Rate Minimum Opening Balance Opening Fee
    $0-$9,999 0.15% 0.15% $1,000 $0
    $10,000-$49,999 0.25% 0.25% $1,000 $0
    $50,000-$99,999 0.85% 0.85% $1,000 $0
    $100,000-$249,999 0.90% 0.90% $1,000 $0
    $250,000+ 1.05% 1.05% $1,000 $0

    Effective dates: 01/30/23 - 01/31/23. 

    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.

  • Certificates of Deposit - personal and business

    Personal Certificate Accounts

    Term Balance APY Interest Rate
    90 day $0-$999 n/a n/a
    $1,000-$24,999 0.60% 0.60%
    $25,000-$74,999 0.60% 0.60%
    $75,000+ 0.60% 0.60%
    6 month (savers certificate) $0-$999 0.75% 0.75%
    6 month $1,000-$24,999 0.95% 0.95%
    $25,000-$74,999 1.20% 1.19%
    $75,000+ 1.30% 1.29%
    12 month (savers certificate) $0-$999 1.10% 1.09%
    12 month $1,000-$24,999 1.25% 1.24%
    $25,000-$74,999 1.30% 1.29%
    $75,000+ 1.35%

    1.34%

    13 month*

     

     

    $0-24,999

    4.00% 3.93%
    $25,000-$74,999 4.00% 3.93%
    $75,000+ 4.00% 3.93%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 1.40% 1.39%
    $25,000-$74,999 1.45% 1.44%
    $75,000+ 1.50% 1.49%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 2.30% 2.27%
    $25,000-$74,999 2.50% 2.47%
    $75,000+ 2.55% 2.52%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 2.50% 2.47%
    $25,000-$74,999 2.55% 2.52%
    $75,000+ 2.60% 2.57%

    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: 01/30/23 - 01/31/23. 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 4.00% APY has interest rate of 3.93%. 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.

    Business Certificate Accounts

    Term Balance APY Interest Rate
    90 days $0-$999 n/a n/a
    $1,000-$24,999 0.60% 0.60%
    $25,000-$74,999 0.60% 0.60%
    $75,000+ 0.60% 0.60%
    6 month $0-$999 0.75% 0.75%
    $1,000-$24,999 0.95% 0.95%
    $25,000-$74,999 1.20% 1.19%
    $75,000+ 1.30% 1.29%
    12 month $0-$999 1.10% 1.09%
    $1,000-$24,999 1.25% 1.24%
    $25,000-$74,999 1.30% 1.29%
    $75,000+ 1.35% 1.34%
    13 month $0-$999 4.00% 3.93%
    $1,000-$24,999 4.00% 3.93%
    $25,000-$74,999 4.00% 3.93%
    $75,000+ 4.00% 3.93%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 1.40% 1.39%
    $25,000-$74,999 1.45% 1.44%
    $75,000+ 1.50% 1.49%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 2.30% 2.27%
    $25,000-$74,999 2.50% 2.47%
    $75,000+ 2.55% 2.52%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 2.50% 2.47%
    $25,000-$74,999 2.55% 2.52%
    $75,000+ 2.60% 2.57%

    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:  01/30/23 - 01/31/23.

    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 4.00% APY has interest rate of 3.93%. 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.

    Community-Impact Certificate Accounts for Nonprofit Organizations

    Term Balance APY Interest Rate
    12 month $1,000-$24,999 1.10% 1.09%
    $25,000-$74,999 1.10% 1.09%
    $75,000+ 1.10% 1.09%
    24 month $1,000-$24,999 1.25% 1.24%
    $25,000-$74,999 1.25% 1.24%
    $75,000+ 1.25% 1.24%

    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: 01/30/23 - 01/31/23. 

    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. 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. 

  • Individual Retirement Accounts

    IRA Certificates

    Term Balance APY Interest Rate
    12 month $0-$999 n/a n/a
    $1,000-$24,999 1.25% 1.24%
    $25,000-$74,999 1.30% 1.29%
    $75,000+ 1.35% 1.34%
    18 month $0-$999 n/a n/a
    $1,000-$24,999 1.35% 1.34%
    $25,000-$74,999 1.40% 1.39%
    $75,000+ 1.45% 1.44%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 1.40% 1.39%
    $25,000-$74,999 1.45% 1.44%
    $75,000+ 1.50% 1.49%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 2.30% 2.27%
    $25,000-$74,999 2.50% 2.47%
    $75,000+ 2.55% 2.52%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 2.50% 2.47%
    $25,000-$74,999 2.55% 2.52%
    $75,000+ 2.60% 2.57%

    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: 01/30/23 - 01/31/23. 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.

    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: 01/01/23 - 01/31/23. 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.

  • Credit Cards - personal and business

    Credit Cards

    Card Type APR
    Platinum Visa® 11.24% - 21.24 %
    Signature Rewards Visa® 14.74% - 22.00 %
    Business Signature Rewards Visa® 14.74 % - 18.74 %

    *Rates current as of 12/27/2022 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. 

  • Loans for personal use

    Auto, boats, and RVs

    Loan Type APR Additional Information
    New or used auto 4.75 % - 18.00% Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.*
    New or used motorcycle 6.25 % - 18.99% Maximum motorcycle age 3 years. Lowest rate includes discounts.**
    New or used RV 4.74 % - 19.34% Lowest rate includes discounts.**
    New ATV or Jet Ski 6.25 % - 18.99% Lowest rate includes discounts.**
    Boat and marine mortgages 4.74% - 19.34% Financing not available for wooden hull boats. Lowest rate includes discounts.**

    Rates current as of 01/01/23 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

    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.

    Eco-friendly loans

    Loan Type APR Additional Information
    Solar 3.74 % - 7.50 % 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 4.75 % - 17.49 % Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.**
    Bicycle 5.99% - 6.24% Maximum loan amount $10,000. Term of 24 months. Lowest rate includes discounts.*

    Rates current as of 01/01/23 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

    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.
    Credit Builder 9.99% Work to repair your credit without having the funds up front. Borrow up to $2,500 with terms up to 36 months.
    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 01/01/23 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.

  • Home Loans

    Home Mortgage Loans 

    Visit our mortgage loan page for today's rates. For a personalized quote, contact us or get started with a mortgage application to see what options are available for your situation.

     

    Masterline Home Equity Line of Credit

    Product Amount financed
    (LTV of current appraised value)
    APR
    Masterline Home Equity Line of Credit* Up to 75% 7.99 % - 9.00%
    75.01%-80% 8.09% - 8.75%
    Masterline Home Equity Line of Credit (investment/rental properties)* Up to 60% 9.00% - 9.75%
    5 year rate lock Up to 75% 6.50 % - 7.00%
    75.01%-80% 6.75% - 7.25%
    5 year rate lock (investment/rental properties) Up to 60% 8.00% - 8.50%
    10 year rate lock Up to 75% 6.75% - 7.25%
    75.01%-80% 7.00% - 7.50%
    10 year rate lock (investment/rental properties) Up to 60% 8.25% - 8.75%
    15 year rate lock Up to 75% 7.00% - 8.25%
    75.01%-80% 7.25% - 7.75%
    15 year rate lock (investment/rental properties) Up to 60% 8.75% - 9.00%

    Rates current as of 01/01/23 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.

    Fixed Home Equity Loans

    Product Amount financed
    (LTV of current appraised value)
    APR
    5 year fixed Up to 70% 6.25 % - 7.50%*
    70.01%-80% 6.75% - 7.25%*
    5 year fixed (investment/rental properties) Up to 60% 8.00% - 8.50%*
    10 year fixed Up to 70% 6.50% - 7.75%*
    70.01%-80% 6.75% - 7.50%*
    10 year fixed (investment/rental properties) Up to 60% 8.00% - 8.75%*
    15 year fixed Up to 70% 6.75% - 8.00%*
    70.01%-80% 7.00% - 7.75%*
    15 year fixed (investment/rental properties) Up to 60% 8.50% - 9.00%*

    Rates current as of 01/01/23 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.

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
Empty envelope deposit in ATM $25.00
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
Empty envelope deposit in ATM $25.00
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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