Average User Rating:3.5 star rating based on 3 reviews.
Veridian Credit Union
Veridian Credit Union Locations| PO Box 6000 Waterloo, IA 507046000 800-235-3228 www.veridiancu.org  |
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Veridian Credit Union is headquartered in Waterloo and is the largest credit union in the state of Iowa. It is also the 60th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 525 employees and 165,849 members. Veridian Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.
Veridian Credit Union Routing Number: 273976369
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See Rates for: Checking | Savings | Money Market | CD
Veridian Credit Union Checking Account Rates
Veridian Credit Union Savings Account Rates
Veridian Credit Union Money Market Rates
Veridian Credit Union CD Rates
| Apy | Min | Max | Product | |
| 2.10% | $1k | - | 49-60 Month CD | |
| 2.00% | $100k | - | 39 Month Jumbo CD | |
| 1.80% | $1k | - | 39 Month Special CD | |
| 1.80% | $1k | - | 42-48 Month CD | |
| 1.70% | $100k | - | 25 Month Jumbo CD | |
| 1.65% | $1k | - | 30 Month Bump-Up CD | |
| 1.60% | $1k | - | 31-41 Month CD | |
| 1.50% | $1k | - | 25 Month Special CD | |
| 1.45% | $100k | - | 15 Month Jumbo CD | |
| 1.40% | $1k | - | 25-30 Month CD | |
| 1.25% | $1k | - | 15 Month Special CD | |
| 1.25% | $1k | - | 18-24 Month CD | |
| 1.15% | $500 | - | 12 Month Add-On CD | |
| 1.11% | $1k | - | 13-17 Month CD | |
| 1.11% | $100k | - | 7 Month Jumbo CD | |
| 1.10% | $100 | - | 12-60 Month U.B.U. CD | |
| 1.10% | $100 | - | 12-60 Month KIRBY CD | |
| 1.00% | $1k | - | 9 Month Special CD | |
| 0.90% | $1k | - | 7 Month Special CD | |
| 0.80% | $1k | - | 6-12 Month CD | |
| 0.70% | $50 | - | 12 Month Starter CD | |
| 0.60% | $1k | - | 1-5 Month CD |
Rates updated: 5/27/2012
Data for Q4 2011
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Wonderful Credit Union!
- MCGB44 - Monday, November 14, 2011 - 8:25 AMI have been a member at Veridian since I opened my first account there. My husband has always been a member there as well. They always have wonderful service and we have never had any issues with our accounts. When we got married, we decided to stay with Veridian even though we have to drive 40 minutes to get to the nearest location! We knew we wanted to stay loyal customers in the long run. I highly recommend Veridian to anyone!
3
Best Credit Union Ever
- AmandaRae - Saturday, March 12, 2011 - 10:14 AMI have been a member at Veridian Credit Union for 12 years now. I opened my first Savings and Checking account here. I have been completely satisfied during my time as a member here. The staff at Veridian are always very kind and helpful. They are always polite and willing to help with anything that I need help with when I go there. I have a credit card and a car loan through Veridian and have had a few other loans over the course of time as a member there. They have excellent rates and are really accommodating. Their online banking feature is very convenient and easy to use. I do not think that I have ever had a bad experience with any aspect of service through Veridian. Even if you live far away from an actual Veridian branch, they are still very convenient and accommodating. This credit union is the best credit union ever!
3
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Deceptive Loan Practices
We have banked with Veridian for a number of years now, and were very happy with them in the past.
A year ago we decided to obtain a home equity loan from Veridian. When we went to close the loan, among the many pages of paperwork we were required to sign was a page agreeing to a Payment Protection insurance. We asked about it, and saw that it was grossly overpriced, and we would not have even been able to use it as my husband is self-employed. We stated that we did not want it. The loan officer said that we had to sign it to get the rate were looking at, but we could then sign another paper saying we were declining it-which we promptly did.
A year went by, and honestly I didn't think about it again. I was running through some amortization calculators online when I realized our monthly payment amount for our loan was much, much higher than it should be considering the term and rate were at.
Upon further investigation I found that they had indeed been charging us for the Payment Protection insurance for an entire year. I notified the Credit Union--they apologized and refunded the amount to us right away. However---they as of yet will not reduce our monthly payment on the loan to reflect the fact that we are not buying the Payment Protection insurance. The monthly payment is much higher than it should be for the term and rate that we are locked in with--thereby essentially making the loan be a much shorter term than stated in the loan documents.
Currently they are still advertizing heavily their "great rates" for home equity loans. If they deceptively add this to every loa--this is truly where they are making a large amount of money. BUYER BEWARE!!!!
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