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Verity Credit Union Rates & Review August 2026

Verity Credit Union's Business 13 Month rates are at 4.00%, Business 24 month rates are at 3.70%, 12 month rates are at 3.65%, Business 12 month rates are at 3.65%, Business 6 month rates are at 3.55%. Verity Credit Union's savings rates are at 0.03%. Verity Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Verity Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.29%. Rates last updated and verified on 08/28/2026.

Verity Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Verity Credit Union? Share your experience about Verity Credit Union by leaving a review below, or read customer reviews before you decide to use Verity Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.29%
Excellent Higher than avg
Verity Credit Union
Member Services Call Ctr
11027 Meridian Ave N
Seattle, WA 98133
https://www.veritycu.com
Member NCUA

Verity Credit Union CD Rates

Product Rate APY Term View More
Business 13 Month 3.93% 4.00% 13 Month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 24 month 3.64% 3.70% 24 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
12 month 3.59% 3.65% 12 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 12 month 3.59% 3.65% 12 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 6 month 3.49% 3.55% 6 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 12 month 3.45% 3.50% 12 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 6 month 3.35% 3.40% 6 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
12 month 3.30% 3.35% 12 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 12 month 3.30% 3.35% 12 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 6 month 3.30% 3.35% 6 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
12 month 3.25% 3.30% 12 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 12 month 3.25% 3.30% 12 month
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 12 month (savers certificate) 3.25% 3.30% 12 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 6 month (savers certificate) 3.25% 3.30% 6 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
18 month 3.06% 3.10% 18 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
60 month 3.06% 3.10% 60 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 60 month 3.06% 3.10% 60 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
18 month 3.01% 3.05% 18 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
60 month 3.01% 3.05% 60 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 60 month 3.01% 3.05% 60 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
24 month 2.96% 3.00% 24 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
60 month 2.96% 3.00% 60 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 24 month 2.96% 3.00% 24 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 60 month 2.96% 3.00% 60 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
18 month 2.91% 2.95% 18 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
36 month 2.91% 2.95% 36 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 36 month 2.91% 2.95% 36 month
Min Balance $75,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
36 month 2.86% 2.90% 36 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 36 month 2.86% 2.90% 36 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
24 month 2.81% 2.85% 24 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
36 month 2.81% 2.85% 36 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 24 month 2.81% 2.85% 24 month
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 36 month 2.81% 2.85% 36 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
24 month 2.72% 2.75% 24 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business 24 month 2.72% 2.75% 24 month
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Savings Rates

Product Rate APY View More
Max My Savings - 4.00%
Min Balance $50,000
Details Qualifications Required: Qualifying factors being met during each statement cycle; APY effective as of 2/1/26 and is subject to change at any time. 0.03% APY on balances of more than $50,000, subject to qualifying factors being met during each statement cycle. 0.03% APY if qualifications are not met. Limit one Max My Savings account per primary account holder. To open Max My Savings, you'll need to have a Verity Cash Back or Double Cash Back Checking account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Youth Savings 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Prime Share Savings 0.03% 0.03%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Secondary Savings 0.03% 0.03%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Checking Rates

Product Rate APY View More
Personal Checking 3.93% 4.00%
Min Deposit $0
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Checking 0.75% 0.75%
Min Deposit $1,000
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Checking 0.60% 0.60%
Min Deposit $1,000
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Checking 0.55% 0.55%
Min Deposit $1,000
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Cartwheel Checking - 0.50%
Details Qualifications Required: 12 debit card purchases post and settle; Receive eStatements; Log into Digital Banking
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Checking 0.20% 0.20%
Min Deposit $1,000
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Checking 0.10% 0.10%
Min Deposit $1,000
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Youth Checking 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Personal Checking 0.03% 0.03%
Min Deposit $0
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 year fixed - - 9.00% 10 year fixed
Details Up to 75% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
10 year fixed - - 9.50% 10 year fixed
Details 75.01%-80% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
10 year fixed (investment/rental properties) - - 9.75% 10 year fixed
Details Up to 60% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
15 year fixed - - 9.75% 15 year fixed
Details Up to 75% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
15 year fixed - - 10.00% 15 year fixed
Details 75.01%-80% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
15 year fixed (investment/rental properties) - - 10.25% 15 year fixed
Details Up to 60% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.24%
Details Amount financed: Up to 75% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Home Equity Line of Credit - - 7.34%
Details Amount financed: 75.01%-80% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Home Equity Line of Credit (investment/rental properties) - - 8.25%
Details Amount financed: Up to 60% LTV
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Green Auto - - 4.25%
Details Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.**
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
New or used auto - - 4.49%
Details Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.*
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Credit Card Rates

Product Rate APR View More
Business Platinum Visa - 10.49%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Business Signature Rewards Visa - 13.99%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Verity Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 8.99%
Details Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%
Traditional personal loan - 8.99%
Details Rate range 8.99% - 19.99% APR. Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.29%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Verity Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Verity Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Verity Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Verity Credit Union
Address 11027 Meridian Ave N, Seattle, WA 98133
Phone 206-440-9000
Fax 206-361-5300
President Will Collins
CEO Tonita Webb
Full-Time Employees 131
Part-Time Employees 4
Branch Locations 6
ATM Locations 8
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.29%
Return on Assets (ROA)
-0.1808%
Return on Equity (ROE)
-1.9840%
Non-Performing Loans Ratio (NPL)
0.97%
Total Assets
774,657,998
Total Amount of Shares and Deposits
677,675,139
Total Shares and Deposits < 1 Year
668,904,732
Total Shares and Deposits 1 3 Years
6,868,565
Total Shares and Deposits > 3 Years
1,901,841
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
85,754,551
Total Uninsured Shares and Deposits > $250K (F+J)
85,754,551
Total Insured Shares and Deposits > $250K (item 17 less item K)
591,920,588
Total Interest Expense (Sum of items 6 8)
6,289,500
Share Certificates
4,715
Number of Accounts for Share Drafts
24,646
IRA KEOGH Accounts
1,301
Number of Accounts for Regular Shares
40,314
Money Market Shares
2,297
Net Income (unless the amount is already included in Undivided Earnings)
-1,414,317
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
98,718,376
Total Liabilities
704,336,547
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Verity Credit Union

How many branches does Verity Credit Union operate?

Verity Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Verity Credit Union?

Yes, to access services at Verity Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Verity Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Verity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Verity Credit Union offer online and mobile banking?

Most modern institutions like Verity Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.veritycu.com.

Current Verity Credit Union Rates

  • 12-Month CD3.30%
  • 18-Month CD2.95%
  • 24-Month CD2.75%
  • 60-Month CD3.00%
  • Savings0.03%
Retrieved from our database of financial products. Rates subject to change.