The Veridian Credit Union is a home equity line of credit from Veridian Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is Maximum APR is 21%. Add 1.0-2.5% to interest rate for loans with loan-to-value ratio over 80%.. Loan terms: Lines of credit have a 25-year term with a fixed rate for the first 5 or 10 years and a variable rate after.