Average User Rating:3.5 star rating based on 5 reviews.
Veridian Credit Union
Veridian Credit Union Locations|
1827 Ansborough Ave 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 52nd largest credit union in the nation. It was established in 1934 and as of March of 2013, it had grown to 554 employees and 173,501 members. Veridian Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.
Veridian Credit Union Routing Number: 273976369
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2.30% 15-Month CD & 2.60% 25-Month CD at Veridian Credit Union in Iowa - Local Only - 8/25/2009
Veridian Credit Union is offering some competitive CD specials. The most competitive ones include a 2.30% APY 15-month CD and a 2.60% APY 25-month CD. There are also a 1.50% APY 7-month and 1.65% APY 9-month CD special. Minimum deposit is $1,000. These...
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 | |
| 1.40% | $1k | - | 49-60 Month CD | |
| 1.35% | $100k | - | 39 Month Jumbo CD | |
| 1.20% | $1k | - | 39 Month Special CD | |
| 1.20% | $1k | - | 42-48 Month CD | |
| 1.15% | $100k | - | 25 Month Jumbo CD | |
| 1.11% | $1k | - | 31-41 Month CD | |
| 1.11% | $1k | - | 30 Month Bump-Up CD | |
| 1.00% | $1k | - | 25 Month Special CD | |
| 0.90% | $1k | - | 25-30 Month CD | |
| 0.85% | $100k | - | 15 Month Jumbo CD | |
| 0.75% | $1k | - | 18-24 Month CD | |
| 0.70% | $1k | - | 15 Month Special CD | |
| 0.60% | $1k | - | 13-17 Month CD | |
| 0.55% | $500 | - | 12 Month Add-On CD | |
| 0.50% | $100k | - | 7 Month Jumbo CD | |
| 0.50% | $100 | - | 12-60 Month U.B.U. CD | |
| 0.50% | $100 | - | 12-60 Month KIRBY CD | |
| 0.45% | $1k | - | 9 Month Special CD | |
| 0.35% | $50 | - | 12 Month Starter CD | |
| 0.35% | $1k | - | 7 Month Special CD | |
| 0.25% | $1k | - | 1-5 Month CD | |
| 0.25% | $1k | - | 6-12 Month CD |
Rates updated: 6/19/2013
Data for Q1 2013
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!
4
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!
4
Credit Card Issue
- saweb623 - Saturday, December 1, 2012 - 10:43 AMI been in customer service for over fifteen years have been a manager for over half that, I have never had such bad customer service in my life!!!! Banking at this bank for fifteen years I got bad service and would not recommend Verdian credit union to anyone. I feel they do not value you or your loyalty! I had a credit card their for over four years and did not use it very often and when I did use it we would pay it off every month for the most part. I had recently lost my job and used it one time and was 33 days late, they turned me into the credit bureau and closed my credit card without even tell me!! Sent me a letter after I had paid it off, that if I didn't make a payment they would take action, so I called and talk to someone and they told me "that everything was ok, and it was paid off" not using it very much didn't use it tell months later and it was decline when I tried to purchase something not sure why I called them. They claimed that I no longer had a credit card they had closed it and reported it to the credit beruea. I was so upset no one had bother to tell me this when I called before!! When I talk to them after it was closed they stated, they were sorry I should of been told that when I called in and asked if everything was ok. YOU THINK! All they could keep telling me is that I was 33 days late in my payment, which I understand, but I would think they would value thier customers a little bit more. All because I had made one late payment that was 33 days late!! After being with a credit union as long as I had been I would never expect that! I know that I would never treat someone that way and would not expect a business to act that way if they valued their customers!
2
Continuation Of Last Review....
- Anonymous - Friday, March 30, 2012 - 3:35 PMI would like to update my last review stating about the Payment Protection insurance. Today they just called me and offered to refinance my home equity loan with no closing fees at over 1% lower than my previous rate. This will obviously make my monthly payment lower than before. I feel that they have "made right" on their mistake--for which I am grateful for, and therefore wanted to update the review.
1
Nationwide Savings Accounts
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CIT Bank
3-year Term IRA CD
1.21% APY
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* All banks listed are a Member FDIC.
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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