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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Verve a Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
Verve a Credit Union's Share/IRA CD Special 13-month rates are at 3.75%, Share/IRA CDs 24-month rates are at 2.75%, Share/IRA CDs 18-month rates are at 2.50%, Share/IRA CDs 12-month rates are at 2.25%, 12-month Add-On CD rates are at 0.20%. Verve a Credit Union's savings rates are at 0.10%. Verve a Credit Union's money market rates are at 0.50%. Verve a Credit Union's Adjustable Rate Mortgage Loan rates are at 5.38%, Adjustable Rate Mortgage Loan rates are at 5.50%, Adjustable Rate Mortgage Loan rates are at 5.75%, Adjustable Rate Mortgage Loan rates are at 5.88%. MonitorBankRates evaluates the financial stability of Verve a Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.81%. Rates were last updated on 03/24/2026. Verve a Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Verve a Credit Union? Share your experience about Verve a Credit Union by leaving a review below, or read customer reviews before you decide to use Verve a Credit Union. 
Verve a Credit Union CD Rates
Verve a Credit Union Savings Rates
Verve a Credit Union Money Market Rates
Verve a Credit Union Mortgage Rates
Verve a Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Verve a Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Verve a Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Verve a Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Verve a Credit Union
Website
https://www.verveacu.com
Address
2900 Universal St,
Oshkosh, WI 54904
Phone
920-236-7040
Fax
920-236-7985
President
Kevin Bornemann
CEO
Kevin Ralofsky
Full-Time Employees
259
Part-Time Employees
17
Branch Locations
20
ATM Locations
24
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.81%
Return on Assets (ROA)
0.2532%
Return on Equity (ROE)
2.6873%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
1,586,895,546
Total Amount of Shares and Deposits
1,332,719,825
Total Shares and Deposits < 1 Year
1,286,448,182
Total Shares and Deposits 1 3 Years
43,343,521
Total Shares and Deposits > 3 Years
2,928,122
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
165,710,279
Total Uninsured Shares and Deposits > $250K (F+J)
165,710,279
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,167,009,546
Total Interest Expense (Sum of items 6 8)
27,448,047
Share Certificates
9,112
Number of Accounts for Share Drafts
49,707
IRA KEOGH Accounts
3,735
Number of Accounts for Regular Shares
83,866
All other shares
1,391
Non Member Deposits
2
Money Market Shares
7,405
Net Income (unless the amount is already included in Undivided Earnings)
4,018,143
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
71,746,453
Total Liabilities
1,469,205,567
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Verve a Credit UnionIs Verve a Credit Union a safe place to deposit money?Yes, Verve a Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8099960273882%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Verve a Credit Union operate?Verve a Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Verve a Credit Union?Yes, to access services at Verve a Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Verve a Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Verve a Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Verve a Credit Union offer online and mobile banking?Most modern institutions like Verve a Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.verveacu.com. Current Verve a Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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