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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 11/25/2020. APY = Annual Percentage Yield. APR = Annual Percentage Rate 

 

  • 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.

    Effective dates: 11/1/20 - 11/30/20. Interest compounded and credited monthly.

    * Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking, Velocity Checking and Cash Back Checking accounts. To earn reward 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 Blending APY Minimum Opening Balance Opening Fee
    $0-$10,000 0.75% 0.75% 0.75% $0 $0
    $10,000+ 0.05% 0.05% 0.05% - 0.75% $0 $0
    Monthly qualifications not met 0% 0% 0% $0 $0

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

    Effective dates: 11/1/20 - 11/30/20. Interest compounded and credited monthly.

    * Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking, Velocity Checking and Cash Back Checking accounts. To earn reward 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 balances up to $10,000 earn APY of 0.75%, and balances over $10,000 earn 0.05% APY on portion of balance over $10,000, resulting in a range from 0.05% to 0.75% 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 0.05% 0.05% $5 $5
    Youth Savings 0.10% 0.10% $0 $0
    Secondary Savings 0.05% 0.05% $0* $0

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

    Effective dates: 11/1/20 - 11/30/20. 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 0.20% 0.20% $1,000 $0
    $100,000-$249,999 0.25% 0.25% $1,000 $0
    $250,000+ 0.35% 0.35% $1,000 $0

    Effective dates: 11/16/20 - 11/22/20. Interest compounded and credited monthly.

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

  • Business Checking and Savings

    Business Opportunity Checking

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

    Effective dates: 11/1/20 - 11/30/20. 

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

    Business Interest Checking

    Balance APY Interest Rate Minimum Opening Balance Opening Fee
    $0-$19,999 0.15% 0.15% $1,000 $0
    $20,000-$49,999 0.25% 0.25% $1,000 $0
    $50,000+ 0.35% 0.35% $1,000 $0

    Effective dates: 11/1/20 - 11/30/20. 

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

    Business Analysis Checking

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

    Effective dates: 11/1/2020 - 11/30/2020

    Be sure to read the Business Truth-in-Savings disclosure

    Business Savings

    APY Interest Rate Minimum Opening Balance Opening Fee
    0.05% 0.05% $5 $5

    Interest compounded and credited monthly. Effective dates: 11/1/20 - 11/30/20. 

    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 0.20% 0.20% $1,000 $0
    $100,000-$249,999 0.25% 0.25% $1,000 $0
    $250,000+ 0.35% 0.35% $1,000 $0

    Effective dates: 11/1/20 - 11/30/20. 

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

    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 0.25% 0.25% $1,000 $0
    $100,000-$249,999 0.30% 0.30% $1,000 $0
    $250,000+ 0.40% 0.40% $1,000 $0

    Effective dates: 11/16/20 - 11/22/20. 

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

    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 0.20% 0.20%
    $25,000-$74,999 0.20% 0.20%
    $75,000+ 0.20% 0.20%
    6 month (savers certificate) $0-$999 0.25% 0.25%
    6 month $1,000-$24,999 0.30% 0.30%
    $25,000-$74,999 0.35% 0.35%
    $75,000+ 0.35% 0.35%
    12 month (savers certificate) $0-$999 0.35% 0.35%
    12 month $1,000-$24,999 0.40% 0.40%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.45% 0.45%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.50% 0.50%
    $75,000+ 0.50% 0.50%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 0.50% 0.50%
    $25,000-$74,999 0.60% 0.60%
    $75,000+ 0.60% 0.60%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 0.70% 0.70%
    $25,000-$74,999 0.75% 0.75%
    $75,000+ 0.75% 0.75%

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

    Effective dates: 11/16/20 - 11/22/20. 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.

    Business Certificate Accounts

    Term Balance APY Interest Rate
    90 days $0-$999 n/a n/a
    $1,000-$24,999 0.20% 0.20%
    $25,000-$74,999 0.20% 0.20%
    $75,000+ 0.20% 0.20%
    6 month $0-$999 n/a n/a
    $1,000-$24,999 0.30% 0.30%
    $25,000-$74,999 0.35% 0.35%
    $75,000+ 0.35% 0.35%
    12 month $0-$999 n/a n/a
    $1,000-$24,999 0.40% 0.40%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.45% 0.45%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.50% 0.50%
    $75,000+ 0.50% 0.50%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 0.50% 0.50%
    $25,000-$74,999 0.60% 0.60%
    $75,000+ 0.60% 0.60%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 0.70% 0.70%
    $25,000-$74,999 0.75% 0.75%
    $75,000+ 0.75% 0.75%

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

    Effective dates: 11/16/20 - 11/22/20.

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

    Community-Impact Certificate Accounts for Nonprofit Organizations

    Term Balance APY Interest Rate
    12 month $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.45% 0.45%
    24 month $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.45% 0.45%

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

    Effective dates: 11/16/20 - 11/22/20.

    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 0.40% 0.40%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.45% 0.45%
    18 month $0-$999 n/a n/a
    $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.45% 0.45%
    $75,000+ 0.50% 0.50%
    24 month $0-$999 n/a n/a
    $1,000-$24,999 0.45% 0.45%
    $25,000-$74,999 0.50% 0.50%
    $75,000+ 0.50% 0.50%
    36 month $0-$999 n/a n/a
    $1,000-$24,999 0.50% 0.50%
    $25,000-$74,999 0.60% 0.60%
    $75,000+ 0.60% 0.60%
    60 month $0-$999 n/a n/a
    $1,000-$24,999 0.70% 0.70%
    $25,000-$74,999 0.75% 0.75%
    $75,000+ 0.75% 0.75%

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

    Effective dates: 11/16/20 - 11/22/20. 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: 11/1/20 - 11/30/20.

  • Credit Cards - personal and business

    Credit Cards

    Card Type APR
    Platinum Visa® 6.99% - 16.99%
    Signature Rewards Visa® 10.49% - 20.49%
    Business Signature Rewards Visa® 10.49% - 14.49%

    *Rates current as of 11/17/2020 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.

  • Loans for personal use

    Auto, boats, and RVs

    Loan type APR Additional Information
    New or used auto 2.75% - 18.00% Maximum vehicle age 15 years, maximum mileage 150,000. Lowest rate includes discounts.*
    New or used motorcycle 4.25% - 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 4.25% - 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 11/15/2020 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. 

    *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 3.49% - 7.25% 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 2.90% - 17.99% 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 11/1/2020 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. 

    *Lowest rate includes the following discounts: 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, 0.50% 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 8.74% - 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 8.24% - 16.00% 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 11/1/2020 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.

    **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 6/1/20 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% 4.00% - 5.50%
    75.01%-80% 4.75%
    Masterline Home Equity Line of Credit (investment/rental properties)* Up to 60% 5.50%
    5 year rate lock Up to 75% 5.34% - 6.75%
    75.01%-80% 5.59% - 6.09%
    5 year rate lock (investment/rental properties) Up to 60% 6.24% - 6.74%
    10 year rate lock Up to 75% 5.49% - 7.49%
    75.01%-80% 5.99% - 6.24%
    10 year rate lock (investment/rental properties) Up to 60% 6.24% - 6.74%
    15 year rate lock Up to 75% 5.74% - 7.99%
    75.01%-80% 6.24% - 6.74%
    15 year rate lock (investment/rental properties) Up to 60% 6.49% - 6.99%

    Rates current as of 11/1/2020 and are subject to change at any time.

    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 $680 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% 5.24% - 7.49%*
    70.01%-80% 5.49% - 6.24%*
    5 year fixed (investment/rental properties) Up to 60% 6.24% - 6.99%*
    10 year fixed Up to 70% 5.49% - 7.59%*
    70.01%-80% 5.99% - 6.49%*
    10 year fixed (investment/rental properties) Up to 60% 6.74% - 7.49%*
    15 year fixed Up to 70% 5.74% - 7.99%*
    70.01%-80% 6.74% - 7.49%*
    15 year fixed (investment/rental properties) Up to 60% 6.99% - 7.99%*

    Rates current as of 11/1/2020 and are subject to change at any time.

    The APR on home equity lines of credit is variable and may be subject to change during the term of the loan; the lowest possible APR during the life of the loan (“the floor”) is 4.00% APR and the highest possible APR (“the ceiling”) is 15.00%. Verity HELOCs incur a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $680 or more depending on property. Available for qualified borrowers only. Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Members pay all closing costs on investment properties; 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 discounts: 0.25% for automatic debit payments from an account at any financial institution.

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