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Veridian Credit Union

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ptatohed
Senior Contributor

Re: Veridian Credit Union


@AndySoCal wrote:

I called Veridian on Monday, I asked about the Trans Union pull for membership it is a soft pull. The customer service agent did not know about Chex Systems so I explained. I thought it might be  possibly that they did not pull Chex Systems. Thanks @Royalbacon  for confirming they do not pull Chex.

 

@ptatohed I am looking for a 2 year Jumbo CD at the best rate possible. Currently that is 4 percent.  I  have a couple of back ups just in case. The CD that has the funds in it does not mature till the end of the month. Brokerage CD's are at 3.85% for 2 years


 

@AndySoCal 

 

Andy,

 

If you have $100,000 cash, I'd look at getting one of the $1500 bonusses from Marcus or E-Trade.  No Direct Deposit required.  Decent rate as you wait for your bonus.  E-Trade is only a 45 day wait.  

 

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
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On my radar:
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Message 11 of 15
MeowingTheCat
Contributor

Re: Veridian Credit Union


@AndySoCal wrote:

Does anyone have / had any personal experience with them? I am thinking about opening a 2 year CD with at four percent. They also have a two percent flat rate credit rewards card as well. They are not geofenced. Doctor of Credit says  Chex Systems None in a May of 2025 post


I applied it on May 7th (Chex was frozen) and I was approved the same day. I only took Free Checking because the high yield checking with requirements that they have isn't worth it. Also their debit card design is unusual where normal vertical debit card has a chip on top and network logo on bottom right corner. This is how they design the debit card:

 

 

 

1000016407 (1).jpg

 

Message 12 of 15
AndySoCal
Senior Contributor

Re: Veridian Credit Union

@MeowingTheCat I applied and only opened a savings account and was approved. I transferred the money to Veridian and opened the CD.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
Message 13 of 15
MeowingTheCat
Contributor

Re: Veridian Credit Union


@AndySoCal wrote:

@MeowingTheCat I applied and only opened a savings account and was approved. I transferred the money to Veridian and opened the CD.


Gotcha. The only reason why I opened their checking account is because they have early direct deposit up to two days.

Message 14 of 15
AndySoCal
Senior Contributor

Re: Veridian Credit Union

@MeowingTheCat @Redstone FCU is where my checking account is also has the payday up to 2 days early feature as well. I have 3 or 4 more credit unions that have that feature.  One which is Fortera Credit Union they are located in Clarksville Tennessee.

 

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
Message 15 of 15
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