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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of September 9, 2019. Fees may reduce earnings.

Cartwheel Checking Learn More

Balance Tier Min. Opening Balance Opening Fee APY for Stated Balance Tier Interest Rate Blended APY on Full Account Balance
$0 - $10,000 $0 $0 2.00% 1.98% 2.00%
$10,001+ $0 $0 0.05% 0.05% 0.05% to 2.00%
Qualifications Not Met $0 $0 0% 0% 0%

 

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

Effective dates 9/1/19 - 9/30/19. Dividends compounded and credited monthly. Limit one (1) rewards checking account per primary account holder. Rewards checking accounts include Cartwheel Checking, Velocity Checking, and Cash Back Checking accounts. To earn reward interest rate and ATM fee refunds, the primary account holder must meet the following three (3) requirements per Monthly Qualification Cycle: 

  • Have at least 12 debit card purchases post and settle
  • Receive free e-Statement notice
  • Log into Online Branch

If the primary accountholder meets the monthly qualifications balances up to $10,000 earn APY of 2.00% and balances over $10,000 earn 0.05% APY on portion of balance over $10,000, resulting in a range from 0.05% to 2.00% 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/cartwheel

Personal Checking Accounts Learn More

Account Min. Opening Balance Opening Fee Interest Rate APY
Cash Back Checking* $0 $0 0% 0%
Double Cash Back Checking** $0 $0 0% 0%
Verity Checking $0 $0 0% 0%
Youth Checking $0 $0 0.10% 0.10%

Effective dates: 9/1/19 - 9/30/19. Dividends compounded and credited monthly.

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

*Cash Back Checking is a rewards checking account. Visit veritycu.com/cashback to learn more.

**Double Cash Back Checking accounts are only available for employees of nonprofit organizations. To learn more, visit veritycu.com/cashback

Personal Savings Accounts Learn More

Account Min. Opening Balance Opening Fee Interest Rate APY
Prime Share Savings $5 $5 0.05% 0.05%
Youth Savings $0 $0 0.10% 0.10%
Secondary Savings $0* $0 0.05% 0.05%

Dividends compounded and credited monthly. Effective dates: 9/1/19 - 9/30/19

*See #5 in Truth in Savings Disclosure

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

Money Market Learn More

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0 - $9,999 $1,000 $0 0.20% 0.20%
$10,000 - $49,999 $1,000 $0 0.25% 0.25%
$50,000 - $99,999 $1,000 $0 0.50% 0.50%
$100,000 - $249,999 $1,000 $0 0.55% 0.55%
$250,000 + $1,000 $0 0.85% 0.85%

 

Dividends compounded and credited monthly. Effective dates: 9/9/19 - 9/15/19

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

 

Personal IRA Learn More

IRA Certificate Term On Balances APY Interest Rate
12 Month $0 - $999 N/A N/A
12 Month $1,000 - $24,999 1.05% 1.05%
12 Month $25,000 - $74,999 1.10% 1.09%
12 Month $75,000 + 1.16% 1.15%
18 Month $0 - $999 N/A N/A
18 Month $1,000 - $24,999 1.30% 1.29%
18 Month $25,000 - $74,999 1.36% 1.34%
18 Month $75,000 + 1.41% 1.40%
24 Month $0 - $999 N/A N/A 
24 Month $1,000 - $24,999  1.56% 1.55%
24 Month $25,000 - $74,999 1.61% 1.60%
24 Month $75,000 +  1.66% 1.65%
36 Month $0 - $999  N/A N/A
36 Month $1,000 - $24,999  1.96% 1.95%
36 Month $25,000 - $74,999 2.01% 2.00%
36 Month $75,000 +  2.06% 2.05%
60 Month $0 - $999  N/A N/A
60 Month $1,000 - $24,999  2.12% 2.10%
60 Month $25,000 - $74,999 2.17% 2.15%
60 Month $75,000 +  2.22% 2.20%

 

Rates effective from 9/9/19 - 9/15/19

Education IRA

IRA Certificate Term On Balances APY Interest Rate
12 Month $0 - $999 N/A N/A
12 Month $1,000 - $24,999 1.25% 1.25%
12 Month $25,000 - $74,999 1.30% 1.30%
12 Month $75,000 + 1.36% 1.35%

 

Rates effective from 9/9/19 - 9/15/19

Variable IRA Share Accounts

On Balances APY Interest Rate
$0 - $9,999 0.15% 0.15%
$10,000 - $19,999 0.20% 0.20%
$20,000 + 0.25% 0.25%

 

Effective dates: 9/1/19 - 9/30/19

Personal Certificate Accounts Learn More

Share Certificate Term On Balances APY Interest Rate
90 Day $0 - $999 N/A N/A
90 Day $1,000 - $24,999 0.45% 0.45%
90 Day $25,000 - $74,999 0.50% 0.50%
90 Day $75,000 + 0.55% 0.55%
6 Month (Savers certificate) $0 - $999 0.50% 0.50%
6 Month $1,000 - $24,999 0.75% 0.75%
6 Month $25,000 - $74,999 0.90% 0.90%
6 Month $75,000 + 1.00% 1.00%
11 Month* $0 - $999 N/A N/A
11 Month* $1,000 - $24,999 2.15% 2.13%
11 Month* $25,000 - $74,999 2.15% 2.13%
11 Month* $75,000 + 2.15% 2.13%
12 Month (Savers certificate) $0 - $999 0.60% 0.60% 
12 Month $1,000 - $24,999  1.25% 1.25%
12 Month $25,000 - $74,999 1.30% 1.30%
12 Month $75,000 +  1.36% 1.35%
24 Month $0 - $999  N/A N/A
24 Month $1,000 - $24,999  1.45% 1.44%
24 Month $25,000 - $74,999 1.50% 1.49%
24 Month $75,000 +  1.55% 1.54%
36 Month $0 - $999 N/A N/A
36 Month $1,000 - $24,999 1.55% 1.54%
36 Month $25,000 - $74,999 1.60% 1.59%
36 Month $75,000 + 1.65% 1.64%
60 Month $0 - $999  N/A N/A
60 Month $1,000 - $24,999  1.65% 1.64%
60 Month $25,000 - $74,999 1.70% 1.69%
60 Month $75,000 +  1.75% 1.74%

 

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

Effective Dates: 9/9/19 - 9/15/19

*APY = Annual Percentage Yield. Rates accurate as of 9/9/19. To earn promotional rate of 2.15% APY, or an interest rate of 2.13%, funds for deposit can be new or existing money on deposit at Verity. The 11-month  certificate of deposit will automatically renew to a standard 12-month certificate of deposit at maturity, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. To earn promotional rate, must have minimum opening deposit of $1,000 and maintain balance of at least $1,000. 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.

Personal Loans

Loan Type Annual Percentage Rate (APR) Additional Information
Personal 8.74% - 19.99% Verity members can apply by logging into Online Branch and clicking the "Online Loan Application" link! Lowest rate includes rate discounts. See below for details.**
ReadyMoney 10.49% - 18.00% Personal line of credit. You only pay interest on the money you use; payment amount based on the amount you owe.
Secured 3.00% APR + Shared/Certificate Rate* Great way to establish a positive credit history. Loan is secured with funds deposited in a Verity account. Two kinds offered.*

*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 9/1/19 and subject to change.

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

Rates current as of 9/1/19 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.

Auto, Boats and RVs

Product Annual Percentage Rate (APR) Additional Information
New or Used Auto 3.15% - 18.00% Lowest rate includes rate discounts. See below for details.*
New or Used Motorcycle 4.65% - 18.99% Lowest rate includes rate discounts. See below for details.**
New ATV or Jet Ski 4.65% - 18.99% Lowest rate includes rate discounts. See below for details.**
New or Used RV 4.74% - 19.34% Lowest rate includes rate discounts. See below for details.**
Boat/Marine Mortgages 4.74% - 19.34% Lowest rate includes rate discounts. See below for details.** 

The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle, and loan-to-value ratio. Maximum vehicle mileage for financing is 150,000. Maximum vehicle age for financing is 15 years; maximum motorcycle age for financing is 3 years. 

*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. Rates current as of 8/1/19 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

**Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution and 0.25% for financing less than 80% loan-to-value. Rates current as of 8/1/19 and are subject to change at any time. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.

Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.

Student Loans Learn More

Going to school? Check out rates for our in-school loans in our student loan portal.

Looking to refinance? Check out our rates for refinanced student loans in our student loan refinance portal.

Verity has partnered with LendKey to provide student loans to our members. To learn more about rates, terms, and whether your school is eligible, please visit the  website or the refinance program website.

Masterline HELOC Learn More

Product Amount Financed (LTV) Annual Percentage Rate (APR)*
Masterline Home Equity Line of Credit** up to 80% Current Appraised Value 5.74% - 7.50%
Masterline Home Equity Line of Credit** 81% - 90% Current Appraised Value 5.84% - 6.50%
5 Year Rate Lock up to 80% Current Appraised Value 5.99% - 7.99%
5 Year Rate Lock 81% - 90% Current Appraised Value 6.69% - 6.99%
10 Year Rate Lock up to 80% Current Appraised Value 6.09% - 8.49%
10 Year Rate Lock 81% - 90% Current Appraised Value 7.09% - 7.49%
15 Year Rate Lock*** up to 80% Current Appraised Value 6.09% - 8.49%
15 Year Rate Lock*** 81% - 90% Current Appraised Value 7.09% - 7.49%

*APR = Annual Percentage Rate. The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Available for qualified borrowers only. Rates current as of 8/1/19 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. 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. 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.

***Special promotion: Members with a Masterline Home Equity Line of Credit can do a Fixed Rate Advance with a 15-year term at the advertised rate for a 10-year term. Must do a minimum of $25,000 Fixed Rate Advance to take advantage of the special rate offer. Special promotional rate ends 9/30/19--Fixed Rate Advance must be requested by then in order to receive special rate.

Home Equity Loans Learn More

Product Amount Financed (LTV) Annual Percentage Rate (APR)* Additional Information
Home Equity Line of Credit up to 80% Current Appraised Value 6.25% - 8.00% No annual fee. 10 year draw; 15 year repayment
Home Equity Line of Credit 81% - 90% Current Appraised Value 7.00% - 7.25% No annual fee. 10 year draw; 15 year repayment
5 Year Fixed Rate Home Equity up to 80% Current Appraised Value 5.74% - 7.99% No annual fee. Lowest rate includes rate discounts. See below for details.**
5 Year Fixed Rate Home Equity 81% - 90% Current Appraised Value 6.49% - 7.24% No annual fee. Lowest rate includes rate discounts. See below for details.**
10 Year Fixed Rate Home Equity up to 80% Current Appraised Value 5.84% - 8.49% No annual fee. Lowest rate includes rate discounts. See below for details.**
10 Year Fixed Rate Home Equity 81% - 90% Current Appraised Value 6.84% - 7.49% No annual fee. Lowest rate includes rate discounts. See below for details.**
15 Year Fixed Rate Home Equity up to 80% Current Appraised Value 6.24% - 8.49% No annual fee. Lowest rate includes rate discounts. See below for details.**
15 Year Fixed Rate Home Equity 81% - 90% Current Appraised Value 7.24% - 8.49% No annual fee. Lowest rate includes rate discounts. See below for details.**

*The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 8/9/19 and are subject to change at any time. If you have any questions or require current rate information on your accounts, please call us at (206) 440-9000 or (800) 444-4589.

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. 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.

Sustainable Lending Loans Learn More

Loan Type Annual Percentage Rate (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 include discounts. See below for details.*
Green Auto 3.15% - 18.00%  Eligible vehicle EPA Smartway Certified. Lowest rate includes discounts. See below for details.**
Bicycle  5.99% - 6.24% Term of 24 months. Lowest rate includes discounts. See below for details.*

 

Rates current as of 8/1/19 and are subject to change at any time. The APR you receive is based on several factors, including your creditworthiness, repayment schedule, repayment method, age and type of collateral, and loan-to-value ratio. For the latest rate information, contact us at (800) 444-4589.

*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: 0.50% for EPA Smartway Certified vehicles, 0.25% for automatic debit payments from an account at any financial institution and 0.25% for financing less than 80% loan-to-value. The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age of vehicle and loan-to-value ratio. Maximum vehicle mileage for financing is 150,000 miles. Maximum vehicle age for financing is 15 years.

Additional rate discount available for employees of nonprofit organizations. See veritycu.com/nonprofit for details.

Credit Cards Learn More

Product Annual Percentage Rate (APR)
Visa Classic 8.99% - 18.99%
Passport Platinum 10.74% - 20.74%
Journey Rewards 11.49% - 21.49%

*Rates current as of 8/26/19 and will vary with market based Prime Rate. Introductory 2.99% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR will be determined in accordance with Verity's loan policy and your credit profile. The current ranges are set forth above. For complete details, view our current fee schedule or read our Credit Card Agreement and Credit Card Rates and Related Disclosures document.

Business Opportunity Checking Learn More

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

Effective Dates: 9/1/19 - 9/30/19

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

Business Interest Checking Learn More

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

Effective Dates: 9/1/19 - 9/30/19

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

Business Savings Learn More

Min. Opening Balance Opening Fee Interest Rate APY
$5 $5 0.05% 0.05%

Dividends compounded and credited monthly. Effective dates: 9/1/19 - 9/30/19

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Business Savings account at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership Agreement.

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

Business Money Market Learn More

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0 - $9,999 $1,000 $0 0.20% 0.20%
$10,000 - $49,999 $1,000 $0 0.25% 0.25%
$50,000 - $99,999 $1,000 $0 0.50% 0.50%
$100,000 - $249,999 $1,000 $0 0.55% 0.55%
$250,000 + $1,000 $0 0.85% 0.85%

 

Dividends compounded and credited monthly. Effective dates: 9/9/19 - 9/15/19

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Business Savings account at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership Agreement.

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

Business Certificate Accounts Learn More

Share Certificate Term On Balances APY Interest Rate
90 Day $0 - $999 N/A N/A
90 Day $1,000 - $24,999 0.45% 0.45%
90 Day $25,000 - $74,999 0.50% 0.50%
90 Day $75,000 + 0.55% 0.55%
6 Month $0 - $999 N/A N/A
6 Month $1,000 - $24,999 0.75% 0.75%
6 Month $25,000 - $74,999 0.90% 0.90%
6 Month $75,000 + 1.00% 1.00%
11 Month* $0 - $999 N/A N/A
11 Month* $1,000 - $24,999 2.15% 2.13%
11 Month* $25,000 - $74,999 2.15% 2.13%
11 Month* $75,000 + 2.15% 2.13%
12 Month $0 - $999 N/A N/A
12 Month $1,000 - $24,999  1.25% 1.25%
12 Month $25,000 - $74,999 1.30% 1.30%
12 Month $75,000 +  1.36% 1.35%
17 Month (New Money Only)* $50,001 + N/A N/A
24 Month $0 - $999  N/A N/A
24 Month $1,000 - $24,999  1.45% 1.44%
24 Month $25,000 - $74,999 1.50% 1.49%
24 Month $75,000 +  1.55% 1.54%
36 Month $0 - $999 N/A N/A
36 Month $1,000 - $24,999 1.55% 1.54%
36 Month $25,000 - $74,999 1.60% 1.59%
36 Month $75,000 + 1.65% 1.64%
60 Month $0 - $999  N/A N/A
60 Month $1,000 - $24,999  1.65% 1.64%
60 Month $25,000 - $74,999 1.70% 1.69%
60 Month $75,000 +  1.75% 1.74%

 

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Certificate Accounts at Verity Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

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

Effective Dates: 9/9/19 - 9/15/19

*APY = Annual Percentage Yield. Rates accurate as of 9/9/19. To earn promotional rate of 2.15% APY, or an interest rate of 2.13%, funds for deposit can be new or existing money on deposit at Verity. The 11-month certificate of deposit will automatically renew to a standard 12-month certificate of deposit at maturity, unless otherwise notified. Rates for renewed certificates will be in accordance to current rates at that date. To earn promotional rate, must have minimum opening deposit of $1,000 and maintain balance of at least $1,000. 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.

Community-Impact Certificate for Nonprofits Learn More

Certificate Term Balance APY Interest Rate
12 Month $1,000 - $24,999 1.90% 1.88%
12 Month $25,000 - $74,999 1.90% 1.88%
12 Month $75,000 + 1.90% 1.88%
24 Month $1,000 - $24,999 1.75% 1.74%
24 Month $25,000 - $74,999 1.75% 1.74%
24 Month $75,000 + 1.75% 1.74%

 

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. 

Be sure to read the Certificate Truth in Savings Disclosure.

Effective dates: 9/9/19 - 9/15/19

Community-Impact Money Market for Nonprofits Learn More

Balance Min. Opening Balance Opening Fee Interest Rate APY
$0 - $9,999 $1,000 $0 0.25% 0.25%
$10,000 - $49,999 $1,000 $0 0.30% 0.30%
$50,000 - $99,999 $1,000 $0 0.60% 0.60%
$100,000 - $249,999 $1,000 $0 1.00% 1.00%
$250,000 + $1,000 $0 1.00% 1.00%

 

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. Dividends compounded and credited monthly.

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

Effective dates: 9/9/19 - 9/15/19

Business Credit Cards Learn More

Product Annual Percentage Rate (APR)
Business Visa 10.25% - 14.25%

*Rates current as of 8/26/19 and will vary with market based Prime Rate. Introductory 2.99% Annual Percentage Rate (APR) is for the first 12 billing cycles. Your APR will be determined in accordance with Verity's loan policy and your credit profile. The current ranges are set for above. For complete details, view our current fee schedule or read our Business Credit Card Agreement. Register your card with Verified by Visa for more secure shopping.