Veridian Credit Union Waverly IA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Veridian, your trusted partner in financial well-being located at 315 Oak Ridge Cir, Waverly, IA 50677. Established in 1934, our credit union has grown alongside our community, proudly serving over 354,920 members with a commitment to providing exceptional financial services. With total assets amounting to an impressive $7,719,183,098, we stand strong as a reliable institution ready to meet your banking needs. At Veridian, we believe in the power of community and strive to make a positive impact on the lives of our members. Our dedicated team of 1,033 employees, led by our CEO Renee Christoffer and Board President Stephanie Atkin, is here to offer personalized service that you can trust. We understand that every member's financial journey is unique, which is why we provide tailored solutions ranging from checking and savings accounts to auto loans and mortgage refinancing. While members can visit us at our Waverly branch, official correspondence should be sent to PO Box 6000, Waterloo, IA 50704-6000. With total deposits reaching $396,228,784 and a net worth of $865,903,737, our stability ensures that your money is safe with us. Whether you're looking for loans totaling 339,099 or seeking support for your business with a net member business loan balance of $879,223,634, we are here to assist you every step of the way. Join us at Veridian and experience a credit union that prioritizes its members and fosters growth within the community. For more information or to get started on your financial journey today, don't hesitate to call us at (319) 236-5600 or visit our website at Veridian Credit Union. Your future starts here!

Branch History & Mission

Commitment to Innovation

As we adapt to changing times, we prioritize digital advancements that enhance your banking experience. With services like online banking, mobile payments, and e-statements, managing your finances has never been easier. Our branch also features ATM availability and drive-thru banking for added convenience.

Join Us!

At Veridian, we're more than just a credit union; we're your partners in achieving financial success. We invite you to join us on this journey toward better financial health. Experience the benefits of membership today! For more information or to open an account, visit us online at Veridian or call us at 319-236-5600. Together, let's build a brighter financial future!

Our Location and Community Impact

Located at 315 Oak Ridge Cir in Waverly, IA, our branch is nestled in a vibrant neighborhood that embodies the spirit of community. Whether you're visiting for personal banking services or seeking advice on loans and mortgages, our friendly staff is here to help you every step of the way. For official correspondence, please send your mail to PO Box 6000, Waterloo, IA 50704-6000.

Our Mission

Our mission at Veridian is simple yet powerful: to improve the financial well-being of our members and communities. We aim to provide accessible financial services that empower individuals and businesses alike. From checking and savings accounts to auto loans and mortgage financing, we offer a wide range of products designed to meet your unique needs. We believe that financial education is essential for making informed decisions. That's why we actively engage in community outreach programs and partnerships that promote financial literacy among all age groups.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. With ADA-compliant features and convenient parking available right outside, we ensure that everyone can enjoy our services without hassle. If you prefer a quick visit, our drive-thru service allows you to take care of your banking needs from the comfort of your car.

Contact Us Today!

If you have any questions or would like more information about what we offer, don't hesitate to reach out! You can call us at 319-236-5600 or simply drop by during our operating hours. We're excited to serve you at Veridian!

Operating Hours and Services

At Veridian, we know your time is valuable. That's why our office is open Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday mornings from 8:30 AM to noon. Our drive-thru hours extend even earlier on weekdays, opening at 7:30 AM for those who need to get things done before their day begins. We offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, our team is ready to assist you with any financial questions you may have. Plus, with ATM availability on-site, accessing cash is quick and easy.

Member Eligibility

At Veridian, we believe that everyone deserves a financial partner who cares about their well-being. Joining our community is simple and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to become a member. We also open our doors to those who have family members already part of our credit union. This means you can enjoy all the benefits of membership, including personalized service and access to a range of financial products designed just for you. To learn more about specific eligibility criteria, feel free to visit our website at www.veridiancu.org/belong/membership. Once you're ready to take the next step, opening an account with us is easy! You can start your application online by visiting www.veridiancu.org/registration. If you have any questions or need assistance, don't hesitate to reach out at (319) 236-5600. We're excited to welcome you into the Veridian family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy Saturday morning at your café where customers are eager to pay but only have cards on hand. Our efficient merchant services ensure you can accept various payment methods smoothly, allowing you to focus on what you do best serving your customers. Located at 315 Oak Ridge Cir Waverly Ia 50677, Waverly, IA 50677, our dedicated team is ready to assist you every step of the way. Reach out today at (319) 236-5600 and discover how Veridian can empower your business journey!

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

ATM and Drive-Thru Services

We also know that sometimes you just need quick access to cash or basic banking services. Our branch includes an ATM for withdrawals and balance checks along with drive-thru banking capabilities for deposits and simple transactions without leaving your vehicle. At Veridian in Waverly, our commitment is not just about offering services; it's about building lasting relationships with our members. If you have any questions about how we can assist you further, don't hesitate to reach out at 319-236-5600. We're here to help! Experience all that Veridian has to offer by visiting us today! For more information on how to become a member or open an account, check out our website.

Business Banking Solutions

Small businesses are the backbone of our community, which is why we offer tailored solutions like business banking services. From merchant services that simplify payment processing to business loans that fuel growth, we're here to support local entrepreneurs every step of the way.

Credit Card Options

If you're looking for a way to earn rewards on your everyday purchases, check out our credit cards with rewards. These cards not only give you the convenience of credit but also allow you to earn points that can be redeemed for travel, merchandise, or cash back.

Digital Banking Convenience

In today's fast-paced world, managing finances online is crucial. That's why we provide robust online and mobile banking platforms. Members can easily access their accounts anytime through our secure website or mobile app. Want to transfer money? Check balances? Or pay bills on the go? Our digital features make it easy and convenient.

Personal Banking Services

We offer a variety of personal banking options including checking and savings accounts designed for everyday use. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. If you're planning to buy a car, our auto loans and vehicle financing options make it simple and affordable. With flexible terms and competitive rates, driving off in your dream car can be closer than you think. For those considering home ownership or refinancing an existing mortgage, our mortgage loans are structured to fit your budget and lifestyle. We also provide personal loans and debt consolidation services, making it easier for you to manage expenses or consolidate debts into one manageable payment.

Digital & Online Banking

E-Statements and Security

Stay organized and eco-friendly with our e-statements feature. You'll receive your financial statements via email, making it easy to keep track of your spending without the clutter of paper statements. Plus, we prioritize your security by employing robust measures to protect your information. In summary, Veridian's digital banking services are designed for maximum accessibility and ease-of-use. Join us today and experience the freedom of managing your finances on your own terms!

Mobile Application

Our user-friendly mobile application allows you to bank anytime, anywhere. You can make mobile payments effortlessly, transfer money through person-to-person options, and even sign documents digitally with electronic signature authorization. This ensures that your banking is not only straightforward but also secure.

Online Banking Services

With our 24/7 online banking services available at https://www.veridiancu.org/, you can access your accounts whenever it suits you. Check balances, view transactions, and pay bills all in one place. You'll appreciate the ease of real-time account management right from your computer or mobile device.

Financial Strength

Commitment to Growth and Innovation

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 your financial goals across various sectors with $125,606 in used auto loans and $6,649,965,066 in total loans and leases.

Member-Centric Savings Options

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.

Operational Efficiency

Our performance reflects our operational efficiency with a net income of $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.

Solid Foundation

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.

Trust Built on Reliability

Net Shares (Funds available for lending and investments): $12,629,929. Total Share and Deposit Accounts: 793,311, showing a strong and growing member base that trusts us with their finances. 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 315 Oak Ridge Cir Waverly Ia 50677 or call (319) 236-5600 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $736,859,745 provide the capital needed to grow and expand. Additionally, we have options for personal loans and lines of credit to help you cover unexpected expenses or consolidate debt. If you're considering refinancing any existing loans or want to explore eligibility options for our products, feel free to reach out. Our team is ready to assist you in finding the right solution tailored just for you. For further inquiries or assistance, contact us at (319) 236-5600, visit us at 315 Oak Ridge Cir Waverly Ia 50677, or check out our website at Veridian. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards your financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,473,588,418 in used vehicle loans and $645,377,692 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approvals to make your vehicle financing as easy as possible.

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 offer various plans tailored to fit different budgets and lifestyles.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $148,974,018 in loans helping members manage their finances effectively. This is a great option for those looking for a reliable source of credit without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out in several important ways: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency throughout the comparison process. - No Sponsored Listings: Unlike other platforms that prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results. Your interests come first. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, you can quickly identify the best options available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective our tool can be in finding favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that you receive fair and transparent offers, allowing you to make informed decisions with confidence.

VERIDIAN CREDIT UNION - Waverly, IA

Type of Loan Offerings

Home Equity Loans

Compare Loan Rates Near You

Loan rates in Waverly, IA (50677)