Contact Careers Locations Specials Open an Account Español LOGIN New User? Help Personal Business About Us Search PERSONAL BORROW HOME EQUITY PERSONAL HELOC 5-Year Fixed Home Equity Line of Credit as low as* 3.10% Loyalty APR*° 10-Year Fixed Home Equity Line of Credit as low as* 3.75% Loyalty APR*° Home Equity Fixed 5-Year Fixed Home Equity Loan as low as* 3.20% Loyalty APR° 15-Year Fixed Home Equity Loan as low as* 4.35% Loyalty APR*° View all home equity rates and disclosures *APR = Annual Percentage Rate Home Equity Loans Tap into your home's value to renovate, expand, consolidate debt and more. A home equity loan⋄ allows you to tap into the money you've already invested in your home. To calculate your equity, take your home's worth and subtract the amount, if any, you still owe on it. These loans, sometimes called second mortgages, have favorable rates and low closing costs. APPLY FOR A HOME EQUITY LOAN Explore common types of home equity loans below and check out our home equity video series to learn more. Home Equity Loan A one-time fixed-rate loan. With a term of 5 or 10 years, you can borrow up to 100% of your home’s equity. With a term of 15 years, you can borrow up to 90% of your home’s equity. With a term of 20 years, you can borrow up to 80% of your home's equity. Home Equity Line of Credit (HELOC) Open-end line of credit. Borrow up to 100% of your home's equity for 25 years. The rate is fixed for the first 5 or 10 years of the loan and variable after. Your minimum monthly payment is 1% of your balance. Home Improvement Loan Allows you to finance a home improvement project without the equity in your home. Borrow up to $25,000 with terms up to 180 months. With equity, secure financing for up to 133% of your home's value, to a maximum of $250,000 with available terms of 5, 10 or 15 years. ⋄ Appraisal fees may apply. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval. See our rates, terms and conditions. ⫧Loan must be in first lien position. Any advertised closing costs assume title guaranty and appraisal are not required. Additional costs may apply. RELATED CONTENT Home Equity Video Series Loan Calculators Make a Payment RELATED QUESTIONS What is Delay-a-Pay? What is a Community Development Financial Institution? What is a home equity loan? Routing Number: 273976369 Schedule an appointment Open an Account Make a Payment Apply for a loan Want a better rate? Improving your credit score can save you more when you borrow money. Start tracking your score for free with Credit Central and learn more about how to increase your number, and check out the videos below. Need personal guidance? Fill out the form and we'll reach out to you. Form fields First and Last Name * Phone Email Preferred Method of Contact * -- Select -- -- Select -- Phone Email Tell us how we can help: SUBMIT LOCATE A BRANCH Locations in Iowa and Nebraska to serve you. As a credit union, we're organized differently than other financials. Veridian is a not-for-profit financial cooperative owned by our members. That means earnings are returned to members in the form of better rates and lower fees. Veridian is also governed by a volunteer board of directors who are elected by our members. Each member has one vote in the election for our board regardless of how much money that individual has on deposit. LEARN MORE PERSONAL Save Borrow Insure Advice BUSINESS Banking Lending Services Advice ABOUT US Membership Careers Community Diversity, Equity & Inclusion OTHER Contact Us Locations News Specials Open an Account *APR = Annual Percentage Rate | **APY = Annual Percentage Yield © 2021 - Veridian Credit Union Routing Number - 273976369 Privacy Policy Online Privacy Policy Accessibility Statement