Veridian Credit Union
Headquarters
Po Box 6000
Waterloo, IA 50704
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Phone 1-800-235-3228
2024 Overview
General Credit Union Information
Veridian is an NCUA insured institution located in Waterloo, IA. It was founded in 1934 and has approximately $7448.97 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 | $7,448.97 million |
| Loans | $6,311.35 million |
| Deposits | $6,180.42 million |
| Capital | $793.19 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 - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.25% | $1,000 | - |
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|
|
Money Market
|
1.45% | $2,500 | $9,999 |
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|
|
Money Market
|
1.45% | $10,000 | $24,999 |
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|
|
Money Market
|
1.85% | $100,000 | $249,999 |
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|
|
Money Market
|
2.25% | $250,000 | $499,999 |
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|
|
Money Market
|
2.45% | $500,000 | $999,999 |
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|
|
Money Market
|
2.45% | $1,000,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
5.10% | $1,000 | - |
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|
| 6 Months Jumbo
|
5.20% | $100,000 | - |
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|
| 7 Months
|
0.30% | $1,000 | - |
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|
| 7 Mo CD
|
0.40% | $100,000 | - |
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|
| 9 Months
|
0.30% | $1,000 | - |
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|
| 9 Months Jumbo
|
0.40% | $100,000 | - |
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|
| 12 Mo CD
|
0.30% | $1,000 | - |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 15 Months
|
0.40% | $1,000 | - |
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|
| 15 Months Jumbo
|
0.50% | $100,000 | - |
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|
| 18 Mo CD
|
4.85% | $1,000 | - |
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|
| 18 Mo CD
|
4.95% | $100,000 | - |
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|
| 21 Mo CD
|
4.60% | $1,000 | - |
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|
| 21 Mo CD
|
4.70% | $100,000 | - |
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|
| 24 Mo CD
|
0.40% | $1,000 | - |
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|
| 24 Mo CD
|
0.50% | $100,000 | - |
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|
| 36 Mo CD
|
0.60% | $1,000 | - |
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|
| 36 Mo CD
|
0.70% | $100,000 | - |
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|
| 39 Mo CD
|
0.60% | $1,000 | - |
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|
| 39 Mo CD
|
0.70% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $0 | - | Learn More |
Loan Rates - April 24, 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: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
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
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 |
|---|---|
| 10.10% | 6.97 |
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 December 31, 2023, Veridian had $82,849,496 in non-current loans and $686,209 in owned assets. To cover these potential losses it had $793,186,949 in net worth and $33,651,815 in loans loss reserves. That gives it a Texas Ratio of 10.10%.
Net Worth
| Veridian | U.S. Average |
|---|---|
| 10.61% | 13.62% |
Veridian FCU has a net worth of 10.61% versus the BestCashCow average of 13.62. 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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