Veridian Credit Union

Headquarters

Po Box 6000
Waterloo, IA 50704
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	5.50% →
1-Year CD	N.A.	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Veridian is an NCUA insured institution located in Waterloo, IA. It was founded in 1934 and has approximately $7519.22 millions in assets.

Who can join?

Veridian Credit Union membership is open to persons living or working in Allamakee, Benton, Black Hawk, Boone, Bremer, Buchanan, Butler, Cedar, Cerro Gordo, Chickasaw, Clayton, Dallas, Delaware, Fayette, Floyd, Franklin, Grundy, Hardin, Iowa, Jasper, Johnson, Jones, Linn, Louisa, Madison, Marion, Marshall, Muscatine, Polk, Poweshiek, Story, Tama, Warren, Washington, and Winneshiek Counties and their family members.

Employees of our business partners are also eligible for Veridian Credit Union membership. All current and retired employees can share the benefits of membership with immediate family (spouses, children, siblings, parents, grandparents, and grandchildren). This means family members of an eligible employee or retiree, whether or not they're a current member, may join as members in their own right. Also, immediate family or household members (person living in the same residence) may join through a current member, whether or not the current member is working for one of our business partners.

Also eligible for membership at Veridian Credit Union are individuals with disabilities as defined by the Americans with Disabilities Act of 1990 who are living in the State of Iowa or members of Dwolla.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 64418
Date Established	1934
Assets	$7,519.22 million
Loans	$6,466.82 million
Deposits	$6,297.80 million
Capital	$835.27 million

Field of Membership Restrictions

Membership in Veridian Credit Union is open to anyone by registering for Dwolla. Membership is also open to those who live or work in any of the state of Iowa's 99 counties or six counties in eastern Nebraska, including Cass, Douglas, Lancaster, Sarpy, Saunders, and Washington Counties in Nebraska. Also eligible for membership at Veridian Credit Union are individuals with disabilities as defined by the Americans with Disabilities Act of 1990 who are living in the State of Iowa.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.10%	$50	-	Learn More Reviews
Money Market	0.25%	$1,000	-	Learn More Reviews
Money Market	1.45%	$2,500	$9,999	Learn More Reviews
Money Market	1.45%	$10,000	$24,999	Learn More Reviews
Money Market	1.65%	$25,000	$49,999	Learn More Reviews
Money Market	1.85%	$50,000	$99,999	Learn More Reviews
Money Market	1.85%	$100,000	$249,999	Learn More Reviews
Money Market	2.05%	$250,000	$499,999	Learn More Reviews
Money Market	2.25%	$500,000	$999,999	Learn More Reviews
Money Market	2.45%	$1,000,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
41 Months Bump-up	3.45%	$1,000	-	Learn More Reviews
41 Months Jumbo Bump-up	3.55%	$100,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.05%	$0	-	Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Veridian

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Veridian
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Veridian branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Veridian Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Iowa City Hy-Vee East	465.50	A	View Lobby Hours
Coralville	469.65	B	View Lobby Hours
Blairs Ferry	480.38	C	View Lobby Hours
Westdale	482.07	D	View Lobby Hours
Independence	501.71	E	View Lobby Hours
Oelwein	508.33	F	View Lobby Hours
Crossroads Hy-Vee	523.68	G	View Lobby Hours
Lafayette	524.17	H	View Lobby Hours
Logan Hy-Vee	525.89	I	View Lobby Hours
Ansborough Main	526.71	J	View Lobby Hours
University Ave. Hy-Vee	528.58	K	View Lobby Hours
Cedar Heights	528.96	L	View Lobby Hours
College Square Hy-Vee	530.24	M	View Lobby Hours
Thunder Ridge	532.85	N	View Lobby Hours
Waverly	536.86	O	View Lobby Hours
Park Avenue Hy-Vee	572.28	P	View Lobby Hours
Ankeny Main	574.80	Q	View Lobby Hours
Ankeny Hy-Vee	575.21	R	View Lobby Hours
Ingersoll	575.26	S	View Lobby Hours
Prairie Trail Hy-Vee	575.88	T	View Lobby Hours
EP True	579.71	U	View Lobby Hours
Johnston	581.03	V	View Lobby Hours
West Lakes	583.11	W	View Lobby Hours
American Investors Bank And Mortgage	648.88	X	View Lobby Hours
Papillion	695.15	Y	View Lobby Hours
West Maple	702.98	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

VERIDIAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Veridian Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Veridian. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Veridian	U.S. Average
5.77%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Veridian had $49,893,952 in non-current loans and $249,108 in owned assets. To cover these potential losses it had $835,272,856 in net worth and $33,651,815 in loans loss reserves. That gives it a Texas Ratio of 5.77%.

Net Worth

Veridian	U.S. Average
11.07%	13.93%

Veridian FCU has a net worth of 11.07% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Veridian

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