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Verity Credit Union

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Verity Credit Union Rates & Review November 2026

Q: What are the current interest rates at Verity Credit Union?

Current rates for Verity Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 2.95%, 24-Month CD: 2.75%, 60-Month CD: 3.00%, Savings: 4.00%, MMA: 2.50%

Q: What CD terms does Verity Credit Union offer?

Verity Credit Union CD rates are 4.05% APY for a 12 month CD, 4.05% APY for a 13 month CD, 2.95% APY for an 18 month CD, 4.15% APY for a 19 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 25 month CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Verity Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Verity Credit Union's Community-Impact CD - 24 month rates are at 4.25%, Personal CD Accounts - 25 month rates are at 4.25%, Personal CD Accounts - 19 month rates are at 4.15%, Community-Impact CD - 12 month rates are at 4.05%, Personal CD Accounts - 13 month rates are at 4.05%. Verity Credit Union's savings rates are at 4.00%. Verity Credit Union's money market rates are at 2.50%. Verity Credit Union's checking rates are as high as 0.50%. Verity Credit Union's 10 Year Fixed rates are at 9.00%, 10 Year Fixed (Investment/Rental Properties) rates are at 9.75%, 15 Year Fixed rates are at 9.75%, 15 Year Fixed (Investment/Rental Properties) rates are at 10.25%. Verity Credit Union's Personal Loan Rates are as low as 8.75%. Verity Credit Union's Credit Card Rates are at 10.74%. Verity Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A- health rating. 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 14.33%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Verity Credit Union
Member Services/Call Ctr.

11027 Meridian Ave N
Seattle, WA 98133

https://www.veritycu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Verity Credit Union CD Rates

Product	Rate	APY	Term
Community-Impact Certificate - 24 month	4.17%	4.25%	24 month
Min Balance $0 Details Balance: $0-$999; Nonprofit 501(c)(3) organizations only; Promotional rate for new money to Verity; Early withdrawal penalty of 180 days interest Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 25 month	4.17%	4.25%	25 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 25 month	4.17%	4.25%	25 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 25 month	4.17%	4.25%	25 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 25 month	4.17%	4.25%	25 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 19 month	4.07%	4.15%	19 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 19 month	4.07%	4.15%	19 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 19 month	4.07%	4.15%	19 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 19 month	4.07%	4.15%	19 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Community-Impact Certificate - 12 month	3.98%	4.05%	12 month
Min Balance $0 Details Balance: $0-$999; Nonprofit 501(c)(3) organizations only; Promotional rate for new money to Verity; Early withdrawal penalty of 180 days interest Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 13 month	3.98%	4.05%	13 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 13 month	3.98%	4.05%	13 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 13 month	3.98%	4.05%	13 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 13 month	3.98%	4.05%	13 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 12 month	3.25%	3.30%	12 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.40% → 3.30% ▼ 0.10 pts · high 3.40% / low 3.30% Oct 30, 20263.30%▼ from 3.40% Oct 19, 20263.40%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 12 month	3.20%	3.25%	12 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 30, 20263.25%▼ from 3.35% Oct 19, 20263.35%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 6 month	3.20%	3.25%	6 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 30, 20263.25%▼ from 3.35% Oct 19, 20263.35%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
12 Month Personal Certificate Accounts - Savers Certificate	3.15%	3.20%	12 month
Min Balance $0 Details Savers certificate; Balance: $0-$999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20% Oct 30, 20263.20%▼ from 3.30% Oct 19, 20263.30%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 12 month	3.15%	3.20%	12 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20% Oct 30, 20263.20%▼ from 3.30% Oct 19, 20263.30%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 12 month	3.15%	3.20%	12 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20% Oct 30, 20263.20%▼ from 3.30% Oct 19, 20263.30%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 6 month	3.15%	3.20%	6 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20% Oct 30, 20263.20%▼ from 3.30% Oct 19, 20263.30%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
6 Month Personal Certificate Accounts - Savers Certificate	3.11%	3.15%	6 month
Min Balance $0 Details Savers certificate; Balance: $0-$999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.25% → 3.15% ▼ 0.10 pts · high 3.25% / low 3.15% Oct 30, 20263.15%▼ from 3.25% Oct 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 6 month	3.11%	3.15%	6 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.25% → 3.15% ▼ 0.10 pts · high 3.25% / low 3.15% Oct 30, 20263.15%▼ from 3.25% Oct 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 6 month	3.11%	3.15%	6 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.25% → 3.15% ▼ 0.10 pts · high 3.25% / low 3.15% Oct 30, 20263.15%▼ from 3.25% Oct 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 18 month	3.06%	3.10%	18 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 60 month	3.06%	3.10%	60 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 18 month	3.01%	3.05%	18 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 60 month	3.01%	3.05%	60 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 24 month	2.96%	3.00%	24 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 60 month	2.96%	3.00%	60 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 60 month	2.96%	3.00%	60 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 18 month	2.91%	2.95%	18 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 18 month	2.91%	2.95%	18 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 36 month	2.91%	2.95%	36 month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 36 month	2.86%	2.90%	36 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 24 month	2.81%	2.85%	24 month
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 36 month	2.81%	2.85%	36 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 36 month	2.81%	2.85%	36 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 24 month	2.72%	2.75%	24 month
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 24 month	2.72%	2.75%	24 month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day	2.33%	2.35%	90 day
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day	2.28%	2.30%	90 day
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day	2.23%	2.25%	90 day
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Certificate Accounts - 90 day	2.23%	2.25%	90 day
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate Accounts - 90 days	2.33%	2.35%	90 days
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Certificate Accounts - 90 days	2.28%	2.30%	90 days
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Certificate Accounts - 90 days	2.23%	2.25%	90 days
Min Balance $0 Details Balance: $0-$999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Certificate Accounts - 90 days	2.23%	2.25%	90 days
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Savings Rates

Product	Rate	APY
Max My Savings	-	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $0-$50,000; 4.00% APY on balances up to $50,000 subject to qualifying factors being met during each statement cycle; Opening Fee: $0; Limit one Max My Savings account per primary account holder Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Variable IRA Share Accounts	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000-$74,999; Effective dates: 10/1/26 - 10/31/26; IRA accounts available to Verity Credit Union members only; $5 membership fee required to join Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Variable IRA Share Accounts	0.20%	0.20%
Min Balance $1,000 Details Balance: $1,000-$24,999; Effective dates: 10/1/26 - 10/31/26; IRA accounts available to Verity Credit Union members only; $5 membership fee required to join Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Variable IRA Share Accounts	0.15%	0.15%
Min Balance $0 Details Balance: $0-$999; Effective dates: 10/1/26 - 10/31/26; IRA accounts available to Verity Credit Union members only; $5 membership fee required to join Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Youth Savings	0.10%	0.10%
Min Deposit $0 Details Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Max My Savings	0.03%	0.03%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000+; APY range: 0.03% - 4.00%, depending on qualifying factors being met during each statement cycle; Opening Fee: $0; Limit one Max My Savings account per primary account holder Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 0.03% ▼ 3.97 pts · high 4.00% / low 0.03% Oct 10, 20260.03%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Prime Share Savings	0.03%	0.03%
Min Deposit $0 Details Opening Fee: $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Secondary Savings	0.03%	0.03%
Min Deposit $0 Details Minimum opening balance footnoted as $0* (See #5 in the Truth in Savings disclosure); Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Business Savings Rates

Product	Rate	APY
Business Prime Share Savings	0.03%	0.03%
Min Deposit $5 Details Opening fee $5; Interest compounded and credited monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Savings	0.03%	0.03%
Min Deposit $5 Details Opening fee $0; Interest compounded and credited monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Money Market Rates

Product	Rate	APY
Community-Impact Money Market for Nonprofit Organizations	2.47%	2.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+; Opening fee: $0; Nonprofit 501(c)(3) organizations only; New money to Verity required for promotional rate; Effective dates: 10/19/26 - 10/25/26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Community-Impact Money Market for Nonprofit Organizations	2.33%	2.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$249,999; Opening fee: $0; Nonprofit 501(c)(3) organizations only; New money to Verity required for promotional rate; Effective dates: 10/19/26 - 10/25/26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Community-Impact Money Market for Nonprofit Organizations	2.28%	2.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999; Opening fee: $0; Nonprofit 501(c)(3) organizations only; New money to Verity required for promotional rate; Effective dates: 10/19/26 - 10/25/26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Community-Impact Money Market for Nonprofit Organizations	2.13%	2.15%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999; Opening fee: $0; Nonprofit 501(c)(3) organizations only; New money to Verity required for promotional rate; Effective dates: 10/19/26 - 10/25/26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Community-Impact Money Market for Nonprofit Organizations	-	2.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $0-$9,999; Opening fee: $0; Nonprofit 501(c)(3) organizations only; New money to Verity required for promotional rate; Effective dates: 10/19/26 - 10/25/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+; Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Money Market	0.60%	0.60%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$249,999; Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Money Market	0.55%	0.55%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999; Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$49,999; Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Checking Rates

Product	Rate	APY
Cartwheel Checking	-	0.50%
Details Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.03% APY on portion over $10,000; ATM fees refunded when monthly qualifications are met; Limit one rewards checking account per primary accountholder Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.03% → 0.50% ▲ 0.47 pts · high 0.50% / low 0.03% Sep 27, 20260.50%▲ from 0.03% Sep 14, 20260.03%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Youth Checking	0.10%	0.10%
Min Deposit $0 Details Opening Fee: $0; Checking accounts available to Verity Credit Union members only; $5 membership fee required to join; Interest compounded and credited monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
IOLTA & IRETA Checking	0.05%	0.05%
Min Deposit $100 Details Balance: $0-$19,999; Monthly fee of $25 if average monthly balance is below $15,000; Opening Fee: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0-$19,999; Opening Fee: $0; Monthly fee of $25 if average monthly balance is below $15,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Interest Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000-$49,999; Opening Fee: $0; Monthly fee of $25 if average monthly balance is below $15,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Interest Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000+; Opening Fee: $0; Monthly fee of $25 if average monthly balance is below $15,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	-	-	9.00%	10 year
Details Published APR range: 9.00% - 10.25%. Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
10 Year Fixed	-	-	9.50%	10 year
Details Published APR range: 9.50% - 10.00%. Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
10 Year Fixed (Investment/Rental Properties)	-	-	9.75%	10 year
Details Published APR range: 9.75% - 10.25%. Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
15 Year Fixed	-	-	9.75%	15 year
Details Published APR range: 9.75% - 10.75%. Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
15 Year Fixed	-	-	10.00%	15 year
Details Published APR range: 10.00% - 10.50%. Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
15 Year Fixed (Investment/Rental Properties)	-	-	10.25%	15 year
Details Published APR range: 10.25% - 10.75%. Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	7.49%
Details Published APR range: 7.49% - 8.50%. Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.49% ▲ 0.15 pts · high 7.49% / low 7.34% Oct 2, 20267.49%▲ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit	-	-	7.59%
Details Published APR range: 7.59% - 8.25%. Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.59% ▲ 0.25 pts · high 7.59% / low 7.34% Oct 2, 20267.59%▲ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit (investment/rental properties)	-	-	8.50%
Details Published APR range: 8.50% - 9.25%. Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 2, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 5 Year Rate Lock	-	-	8.75%
Details Published APR range: 8.75 % - 9.75%. 5 year rate lock; Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 5 Year Rate Lock	-	-	9.00%
Details Published APR range: 9.00% - 9.50%. 5 year rate lock; Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 10 Year Rate Lock	-	-	9.25%
Details Published APR range: 9.25% - 10.25%. 10 year rate lock; Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 5 Year Rate Lock (investment/rental properties)	-	-	9.25%
Details Published APR range: 9.25% - 9.75%. 5 year rate lock; Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 10 Year Rate Lock	-	-	9.50%
Details Published APR range: 9.50% - 10.00%. 10 year rate lock; Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 10 Year Rate Lock (investment/rental properties)	-	-	9.75%
Details Published APR range: 9.75% - 10.25%. 10 year rate lock; Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 15 Year Rate Lock	-	-	9.75%
Details Published APR range: 9.75% - 10.75%. 15 year rate lock; Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 15 Year Rate Lock	-	-	10.00%
Details Published APR range: 10.00% - 10.50%. 15 year rate lock; Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Home Equity Line of Credit - 15 Year Rate Lock (investment/rental properties)	-	-	10.25%
Details Published APR range: 10.25% - 10.75%. 15 year rate lock; Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Auto Loan Rates

Product	Rate	Points	APR
Eco-friendly loans - Green Auto	-	-	4.25%
Details APR range 4.25% - 16.75%; Maximum vehicle age 15 years; maximum mileage 150,000; Lowest rate includes discounts.** Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
New or used auto	-	-	4.84%
Details APR range: 4.84% - 17.59%; Maximum vehicle age 15 years; maximum mileage 150,000. Lowest rate includes discounts.* Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.84% ▲ 0.35 pts · high 4.84% / low 4.49% Oct 1, 20264.84%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New ATV or Jet Ski Loan	-	6.34%
Details APR range: 6.34% - 18.34%; Lowest rate includes discounts.** Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.34% ▼ 0.15 pts · high 6.49% / low 6.34% Oct 1, 20266.34%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
New or used motorcycle Loan	-	6.34%
Details APR range: 6.34% - 18.34%; Maximum motorcycle age 3 years. Lowest rate includes discounts.** Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.34% ▲ 0.35 pts · high 6.34% / low 5.99% Oct 1, 20266.34%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
New or used RV Loan	-	10.49%
Details APR range: 10.49% - 21.49%; Lowest rate includes discounts.** Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	10.74%
Details As Low As; APR for personal loans and lines of credit based on creditworthiness; see page for card terms Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Platinum Visa	-	10.74%
Details APR range: 10.74% - 20.74% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Signature Rewards Visa	-	14.24%
Details APR range: 14.24% - 18.24% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Sep 27, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Signature Rewards Visa	-	14.24%
Details APR range: 14.24% - 22.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 14.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Personal Loan Rates

Product	APR	Term
Eco-friendly loans - Solar	8.75%	Up to 20 years
Details APR range 8.75% - 12.50%; Maximum loan amount $60,000; UCC-1 will be filed on all solar loans; Lowest rate includes discounts.* Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Loans - Personal	8.99%
Details As Low As; APR range: 8.99% - 19.99%; Lowest rate includes rate discounts; Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Personal Loans - ReadyMoney	11.99%
Details As Low As; APR range: 11.99% - 18.00%; Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Business Signature Rewards Visa	14.24%
Details APR range: 14.24% - 18.24% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Sep 27, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Signature Rewards Visa	14.24%
Details APR range: 14.24% - 22.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 14.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Verity Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
5 Year Fixed	-	-	8.75%	5 year
Details Published APR range: 8.75% - 9.75%. Amount financed (LTV of current appraised value): Up to 75% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
5 Year Fixed	-	-	9.00%	5 year
Details Published APR range: 9.00% - 9.50%. Amount financed (LTV of current appraised value): 75.01%-80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
5 Year Fixed (Investment/Rental Properties)	-	-	9.25%	5 year
Details Published APR range: 9.25% - 9.75%. Amount financed (LTV of current appraised value): Up to 60% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Eco-friendly loans - Bicycle	-	-	5.99%	24 months
Details Maximum loan amount $10,000; Lowest rate includes discounts.* Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%
Ready Money Line of Credit	-	-	11.99%
Details As Low As; Rate range 11.99% - 18.00% APR; rates vary with market based Prime Rate; loans available to Verity Credit Union members only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Oct 10, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Verity Credit Union’s Texas Ratio rose from 7.98% in Q3 2023 to 14.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$786M	14.33%	5.0	A-
March 31, 2026	$763M	8.28%	5.0	A
December 31, 2025	$791M	8.73%	5.0	A
September 30, 2025	$775M	7.29%	5.0	A
June 30, 2025	$769M	8.73%	5.0	A
March 31, 2025	$774M	8.99%	5.0	A
December 31, 2024	$776M	8.09%	5.0	A
September 30, 2024	$750M	13.36%	5.0	A
June 30, 2024	$761M	14.40%	5.0	A-
March 31, 2024	$809M	6.11%	5.0	A
December 31, 2023	$833M	6.52%	5.0	A
September 30, 2023	$837M	7.98%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

Website https://www.veritycu.com

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 126

Part-Time Employees 2

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.33%

Return on Assets (ROA)

0.0852%

Return on Equity (ROE)

0.9285%

Non-Performing Loans Ratio (NPL)

1.91%

Total Assets

786,471,913

Total Amount of Shares and Deposits

695,799,921

Total Shares and Deposits < 1 Year

642,680,174

Total Shares and Deposits 1 3 Years

29,096,574

Total Shares and Deposits > 3 Years

24,023,173

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

83,619,824

Total Uninsured Shares and Deposits > $250K (F+J)

83,619,824

Total Insured Shares and Deposits > $250K (item 17 less item K)

612,180,097

Total Interest Expense (Sum of items 6 8)

4,618,751

Share Certificates

4,262

Number of Accounts for Share Drafts

24,367

IRA KEOGH Accounts

1,263

Number of Accounts for Regular Shares

39,889

Non Member Deposits

Money Market Shares

2,234

Net Income (unless the amount is already included in Undivided Earnings)

669,863

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)

73,209,710

Total Liabilities

715,440,671

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Verity Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Verity Credit Union

Does Verity Credit Union offer CDs?

Yes. Verity Credit Union current CD rates include its Community-Impact CD - 24 month at 4.25% APY, its Personal CD Accounts - 25 month at 4.25% APY and its Personal CD Accounts - 19 month at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Verity Credit Union NCUA insured?

Yes. Verity Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Verity Credit Union?

The highest Verity Credit Union CD rate is its Community-Impact CD - 24 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Verity Credit Union offer?

Verity Credit Union CD rates are 4.05% APY for a 12 month CD, 4.05% APY for a 13 month CD, 2.95% APY for an 18 month CD, 4.15% APY for a 19 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 25 month CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Verity Credit Union for its full lineup.

What is the highest savings rate at Verity Credit Union?

The highest Verity Credit Union savings rate is its Max My Savings at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Verity Credit Union?

The highest Verity Credit Union money market rate is its Community-Impact Money Market for Nonprofit Organizations at 2.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Verity Credit Union?

The highest Verity Credit Union checking rate is its Cartwheel Checking at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Verity Credit Union?

The lowest Verity Credit Union mortgage rate is its 10 Year Fixed at 9.00% APR, verified by MonitorBankRates as of October 30, 2026. Verity Credit Union mortgage rates are 9.75% APR for a 15 year mortgage and 9.00% APR for a 10 year mortgage.

What is the lowest auto loan rate at Verity Credit Union?

The lowest Verity Credit Union auto loan rate is its Eco-friendly loans - Green Auto at 4.25% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Verity Credit Union?

The lowest Verity Credit Union personal loan rate is its Personal Loans - Personal at 8.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Verity Credit Union?

The lowest Verity Credit Union credit card APR is its Credit Card at 10.74% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Verity Credit Union rates compare?

Verity Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A- health rating. Verity Credit Union's top rates are its Community-Impact CD - 24 month at 4.25% APY, its Max My Savings at 4.00% APY, its Community-Impact Money Market for Nonprofit Organizations at 2.50% APY, its Cartwheel Checking at 0.50% APY, its 10 Year Fixed at 9.00%, its Eco-friendly loans - Solar at 8.75% APR and its Credit Card at 10.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Verity Credit Union Rates

12-Month CD3.20%
18-Month CD2.95%
24-Month CD2.75%
60-Month CD3.00%
Savings4.00%
MMA2.50%

Retrieved from our database of financial products. Rates subject to change.

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Verity Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Credit Union Profile & Overview

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Verity Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Verity Credit Union

Does Verity Credit Union offer CDs?

Are CDs from Verity Credit Union NCUA insured?

What is the highest CD rate at Verity Credit Union?

What CD terms does Verity Credit Union offer?

What is the highest savings rate at Verity Credit Union?

What is the highest money market rate at Verity Credit Union?

What is the highest checking rate at Verity Credit Union?

What is the lowest mortgage rate at Verity Credit Union?

What is the lowest auto loan rate at Verity Credit Union?

What is the lowest personal loan rate at Verity Credit Union?

What is the lowest credit card APR at Verity Credit Union?

How many branches does Verity Credit Union operate?

Is a member application needed to join Verity Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Verity Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Verity Credit Union rates compare?

Current Verity Credit Union Rates

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