Veritas Federal Credit Union

Crisis Resources

Keep Your Information Current

As seen during these March 2020 crises, we need to be able to contact you. Please make sure your phone number, email address and home address are up-to-date. To update your information, you can call us at 855-663-8328, or send us an email at

Another way to get information is via social media. Follow our Facebook, Instagram, and Twitter pages to get our latest updates.

Bank Online, from the Comfort of your Living Room

Take advantage of our 24/7 online services, including eBanking and the Veritas Federal Credit Union mobile app. eBanking and our app allow you to make payments, deposit checks remotely, view transactions, check balances, transfer funds, and more. If you haven't enrolled in eBanking or downloaded our app, it only takes a few minutes.

1. Call 855-663-8328 to get set up in our system first.
2. Once set up in the system, you can set up your eBanking on our website, following the directions emailed to you by the MSR.
3. After eBanking is set up, you can then enroll in the mobile app from a smartphone.

Download the app here:

4. Remote check deposit can take some time to be implemented, so we advise you to take the few minutes to set up eBanking and the mobile app today, as we cannot predict where this pandemic will take us.

Insured by NCUA

Remember that your money is safe and insured up to $250,000 per consumer through the National Credit Union Administration. While you may have need of cash in these days of uncertainty, there's no need to pull out unnecessary levels of cash. Credit union members have never lost a penny of insured savings at a federally insured credit union like Veritas FCU. That helps us to breathe easy. We hope that reminder brings a sense of calm to you, too. For more information on NCUA share insurance coverage for consumers, visit

Beware of COVID-19 and all Scammers

Spotting the scams: Scammers give themselves away when they ask for payment via specific means, including wire transfer or prepaid gift card. Another giveaway is poor writing skills and misspelled words.

Best practice in avoiding scams and hackers is to not click on any links or attachments in emails you were not expecting or did not request. If you're interested in the information, delete the email and google the subject in a new window. But use only reputable sources.

Financial institutions and government agencies never call you asking for personal information or card numbers without verifying your security questions. If you can't verify a caller, do not give your card numbers or personal information to them!

Practice responsible internet usage. Never download attachments from unknown sources. Don't share sensitive information online either. To verify a site's authenticity, check the URL and look for the lock icon and the "s" after the "http".

Keep anti-malware and antivirus software on your computer current and strengthen the security settings on your devices.

Further Resources

  • Volunteer Opportunities
  • Links for Food Banks, Financial Aid and Small Business Help in Tennessee and Mississippi
  • Crisis Programs

  • We are waiving the early withdrawal penalty on certificates of deposit.
  • We are deferring payment on any new loans for up to 90 days.
  • We are offering a 90% discount on your existing loan payments (excluding mortgages) for 90 days. It will give you a little extra in your pocket each month in the short term. Click to the application to see more details about this program.
  • If you are concerned about making your mortgage payment, we may be able to help. Call 855-663-8328

  • Crisis Line of Credit

    This line of credit is for people who are in crisis due to a natural disaster, COVID-19, or another hardship such as a lay off or loss of job, or a reduction of employment. You can borrow up to $3,000, with 0% interest for 12 months. The rate moves to 5.99% until the balance is paid with a 2-year amortization. Defer payment on loan for 90 days. Must submit Application and a Statement of Need.

    Qualifications (one or more of the following):

  • A lay off/loss of job or reduction of employment
  • Required quarantine, at the instruction of a health care provider, either the individual's health care provider or a local, state, or federal official, in order to prevent the spread of COVID-19
  • Time off work to care for an immediate family member diagnosed with positive COVID-19
  • Time off work to provide childcare to elementary age (or younger) or special needs children resulting from school or childcare closures
  • Other COVID-19 scenarios, natural disasters, or hardship.

  • Helping Hand Line of Credit

    This line of credit is for people who are unsure about the days ahead and want a little flexibility with cash flow. The limit is up to $7,500, and the rate is half your normal unsecured rate, based on your credit score. This line of credit requires a 3% monthly payment after a deferral of 90 days. Application.
  • Defer payment on loan for 90 days
  • 12-month draw period
  • Limit up to $7,500
  • Rate is half of normal unsecured rate
  • 3% monthly payment
  • Credit qualifications apply

  • April Special: Home Equity Line of Credit [HELOC]

  • As low as 1.99%* for 12 months (credit tier applies)
  • No closing costs
  • $10,000 initial draw
  • 5-year draw period
  • After 12 months, the rate moves to prime + 1% OR prime + 2%, depending on credit rating
  • Application

  • *APR (Annual Percentage Rate) as of 04-01-2020. Your rate depends on your credit score at closing and may be higher. Minimum initial advance of $10,000. Five-year draw period with 1% of balance payment required. After 12 months, the rate returns to your regular rate, as low as prime rate plus 1%. Rate is subject to change quarterly. No closing costs is a limited offer and may be withdrawn at any time. Minimum credit score of 600 required to qualify for HELOC.
    Veritas Federal Credit Union
    One Nissan Way
    Franklin, TN 37067

    Mailing Address:
    PO Box 2659
    Smyrna, TN 37167

    Main Phone: (615) 786-0452
    Member Service: (855) 663-8328
    Email Us!

    Routing Number: 064182605
    VFCU NMLS #409723
    Am I Eligible?
    Fee Schedule

        - Share Accounts
        - Checking
        - Certificates
        - IRAs
        - ATM/Debit Cards
    Other Services:
        - Stop Pay Requests
        - Wire Transfers
        - Direct Deposit
        - Convenience Services

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    NCUA Insured Your Savings Federally insured to at least $250,000 and backed
    by the full faith and credit of the United States Government.
    National Credit Union Administration, a U.S. Govt. Agency.
    We do business in accordance with the Federal Fair
    Housing Law and the Equal Credit Opportunity Act.