Veridian Credit Union Cedar Falls IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Veridian, your trusted partner in financial services since 1934. Located at 3621 Cedar Heights Dr, Cedar Falls, IA 50613, we pride ourselves on creating a welcoming environment where our 354,920 members feel valued and supported. With total assets exceeding $7.7 billion, we have built a strong foundation that allows us to provide a wide range of services tailored to meet your unique needs. At Veridian, we understand that financial choices can be overwhelming. That's why our dedicated team of over 1,000 employees, led by CEO Renee Christoffer and Board President Stephanie Atkin, is here to guide you every step of the way. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or even mortgage refinancing, we are committed to helping you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to PO Box 6000, Waterloo, IA 50704-6000. We ensure that all interactions with us are smooth and supportive. Our drive-thru service and ATM availability make banking easy and convenient for everyone. With a net worth of $865,903,737 and total deposits of $396,228,784, we are more than just a credit union; we're part of the community fabric. Our commitment to responsible lending is evident in our total loans exceeding 339,099 across various categories, including personal loans and business financing options. We invite you to visit us online at Veridian's website or give us a call at 319-236-5600. Let's work together towards building a brighter financial future!

Branch History & Mission

Commitment to You

Our operating hours are designed with your convenience in mind: Monday through Wednesday from 8:30 AM to 5:00 PM; Thursday until 5:30 PM; and Friday from 7:00 AM until 6:00 PM. We also offer drive-thru services for quick transactions and ATM availability for those on the go. We invite you to join the Veridian family and experience firsthand what makes us different. Whether you're looking for personal banking solutions or business services, we're here to help you every step of the way. Together, let's build a brighter financial future! For more information or to open an account today, visit us at Veridian's website.

Our Journey

Veridian started as a small credit union with a mission to provide accessible financial services to its members. Over the years, we have expanded significantly, now boasting total assets of over $7.7 billion. This growth reflects our dedication to sound financial practices and our commitment to supporting the economic well-being of our members. Throughout our history, we have embraced technological advancements while maintaining a strong focus on personal service. We understand that banking needs evolve, and we've adapted by introducing features like online banking and mobile payments. These tools allow our members to manage their finances conveniently while ensuring we remain ADA compliant for all individuals.

Our Mission

At Veridian, our mission goes beyond just providing financial services; it's about enriching lives and strengthening communities. We aim to empower our members through education, support, and accessibility. We believe in building lasting relationships based on trust and transparency. Our outreach initiatives reflect this commitment from financial literacy programs to partnerships with local organizations aimed at fostering community development. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to PO Box 6000, Waterloo, IA 50704-6000 if necessary.

Branch Location & Accessibility

Easy Access and Parking

At Veridian Cedar Heights, we understand the importance of convenience. Our branch features ample parking space and is designed to be fully ADA compliant, ensuring that everyone can access our services with ease. If you prefer to stay in your car, we offer a drive-thru banking option for quick transactions like deposits and withdrawals.

Operating Hours

We're here to serve you! Our office hours are Monday through Wednesday from 8:30 AM to 5:00 PM, Thursday until 5:30 PM, and on Friday we open bright and early at 7:00 AM until 6:00 PM. For those busy Saturdays, we're also available from 8:30 AM to noon. Feel free to stop by during these hours or give us a call at 319-236-5600 if you have any questions.

Services Offered

Veridian provides a range of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we're committed to helping you achieve your financial goals. Plus, with our ATM availability right on-site, accessing cash has never been easier. While members can visit us at our Cedar Heights location, official correspondence should be sent to PO Box 6000 in Waterloo for any mailing needs. We invite you to stop by soon our friendly team is ready to assist you with all your banking needs!

Member Eligibility

At Veridian, we believe that becoming a member is like joining a caring family where everyone looks out for each other. If you're wondering how to become a part of our community, it's quite simple! Membership is open to anyone who lives, works, worships, or attends school in the communities we serve. This means that if you're in or around Cedar Falls, you're likely eligible to join us. Not only will you gain access to our wide range of financial services, but you'll also enjoy benefits designed to help you achieve your financial goals in a friendly environment. Ready to get started? You can find more detailed eligibility criteria at http://www.veridiancu.org/belong/membership. If you're all set and want to open an account, just visit https://www.veridiancu.org/registration. Should you have any questions along the way, feel free to give us a call at (319) 236-5600. We're here to help you take this exciting step toward better banking!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments anytime, anywhere from retail locations to online shops. Our tools help you streamline transactions so you can focus on what really matters: serving your customers. Visit us at 3621 Cedar Heights Dr Cedar Falls Ia 50613, Cedar Falls, IA, or call us at (319) 236-5600 to discover how our business banking solutions can empower your enterprise!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $304 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $736,859,745, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Support

For business owners in the community, we offer comprehensive Business Banking solutions that include merchant services and business loans. No matter what stage your business is in, we have the resources to help it thrive.

Convenient Access and Support

At Veridian, convenience is key. Our branch features an ATM for cash withdrawals, as well as a Drive-Thru Banking option for quick deposits and withdrawals. We're here during office hours Monday through Friday to assist you with any banking needs or questions you might have. With easy access to online tools like person-to-person payment options and electronic statements, managing your finances has never been simpler. In addition to these services, our dedicated team is always ready to guide you through any financial decision or challenge you may face. To learn more about how we can assist you or to explore specific services further, feel free to visit us at 3621 Cedar Heights Dr Cedar Falls Ia 50613, call us at (319) 236-5600, or check out our website at https://www.veridiancu.org/. Join us at Veridian today!

Credit Options

We also understand that life can throw unexpected expenses your way. That's why our Personal Loans & Debt Consolidation services are here to help when you need a little extra financial support. Plus, our Credit Cards with Rewards provide an excellent way to earn while you spend on everyday purchases.

Personal Banking Solutions

For individuals and families, our Personal Banking services include checking and savings accounts designed to fit your lifestyle. Imagine easily managing your finances with user-friendly online and mobile banking tools available at your fingertips. You can check balances, transfer funds, and pay bills from anywhere making banking not just convenient but also efficient. When it comes to financing your next vehicle, our Auto Loans & Vehicle Financing options can help you get on the road without breaking the bank. With competitive rates and flexible terms, we make it easy for you to drive away in the car of your dreams. If home ownership is on your mind, explore our Mortgage Loans & Refinancing services that offer personalized assistance throughout the process.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of electronic signature authorization, making it easier than ever to complete important transactions without needing to visit a branch. Plus, our e-statements feature helps you stay organized and eco-friendly by providing your account statements electronically. If you're on the move, our mobile application is designed for easy access to all your banking needs. You can make mobile payments quickly and securely, ensuring that you never miss a chance to make a purchase or send money to friends and family with our person-to-person transfer feature.

Security and Accessibility

We prioritize your security with robust measures that keep your financial information safe while you bank online. Our services are not only secure but also accessible. Whether you're using a smartphone, tablet, or computer, managing your accounts has never been easier. Join us at Veridian today and explore how our digital and online banking services can simplify your financial life. Visit https://www.veridiancu.org/ for more information and get started!

Financial Strength

Commitment to Growth

With $555,316,810 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $125,606 in used auto loans and $6,649,965,066 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 793,311, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $12,629,929. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Veridian is your trusted partner. Visit us at 3621 Cedar Heights Dr Cedar Falls Ia 50613 or call (319) 236-5600 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to efficiency is evident in our operations, as shown by our $34,681,707, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,025 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $2,955,015,613 in share certificates and $655,349,620 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $100,246,019, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $865,903,737, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.18% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued $645,377,692 in new vehicle loans and $2,473,588,418 in used vehicle loans, making it easier for members to get on the road with confidence.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $736,859,745 provide the capital needed to expand operations or invest in new projects.

Credit Lines and Unsecured Loans

For those looking for flexible financing options, we also offer credit lines with a total of $1,740,135,577 available. Additionally, our unsecured credit card loans amounting to $148,974,018 are designed to help members manage their finances effectively without the burden of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $608,576,439, make buying or refinancing simple. We can help you find the right solution tailored to your needs.

Refinancing and Eligibility

We also provide refinancing options for many of our loan products. If you're interested in exploring eligibility options or would like more information about any of our loan offerings, feel free to reach out to us at 319-236-5600 or visit us at our branch located at 3621 Cedar Heights Dr Cedar Falls IA 50613. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Veridian Credit Union, we are committed to supporting your financial journey with transparent and accessible lending solutions tailored just for you.

Loan Aggregator

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VERIDIAN CREDIT UNION - Cedar Falls, IA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Cedar Falls, IA (50613)