Our Voices

From the Verity Staff Guest Writer:

Is 0% interest on my new car loan really the best deal for me?

Pete Spalding on May 10th, 2010 @ 08:24 AM No comments

A question that a lot of members ask when shopping for a new vehicle is “Is it really better to accept the 0% offer on the interest rate?”

There are a number of factors to consider:

  1. About 10% of applicants will actually qualify for the 0%, so if you do not have a perfect credit score you possibly will not qualify
  2. You will generally have to choose between the 0% financing and any potential rebate
    1. This is an important consideration based upon how long you will keep the loan open. i.e.: Will you pay off the loan (or trade in the subject collateral) early or will you keep the loan to its maturity?
  3. 0% usually only applies to certain makes and models
  4. 0% offers are restricted to shorter terms thus raising the amount of your monthly payment
  5. If you do qualify double check to make sure that processing or other fees have not been added to your contract
  6. If you are ever late with a payment your 0% rate could jump considerably

If you are in the market for a car, remember that Verity Credit Union has very competitive rates and terms on auto loans.

Chase’ing the Waves

Colby Rutherford on Jan 26th 2 comments

There are still local institutions that recognize you when you walk in the door. Places where text messages have not yet replaced real live people on the phone. Places that are not run by shareholders but by members, for members.

Verity has the Shredder!

Courtney on Jun 24th No comments

Verity has always made it known that we are a credit union “where you truly matter” and this means protecting and educating our members in fraud and identity theft prevention. One way we do this is by hosting Shred-A-Thons to benefit our branches’ communities.

International Credit Union is a day for our Members

Regine Smith on Oct 13th 9 comments
Our passion is for members, excellent service, and those who will join us on this fascinating journey towards “member service delight.”
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