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Verve a Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 29, 2026
Verve a Credit Union's Share/IRA CD - 13 Month rates are at 4.60%, Share/IRA CD Special - 13 Month rates are at 4.60%, Share/IRA CD - 24 Month rates are at 2.75%, Share/IRA CD - 18 Month rates are at 2.50%, Share/IRA CD - 12 Month rates are at 2.25%. Verve a Credit Union's savings rates are at 0.50%. Verve a Credit Union's money market rates are at 3.24%. Verve a Credit Union's checking rates are as high as 2.50%. Verve a Credit Union's Adjustable Rate Mortgage (ARM) - 3 Year Initial Fixed rates are at 5.38%, Adjustable Rate Mortgage (ARM) - 3 years rates are at 5.38%, Adjustable Rate Mortgage (ARM) - 5 Year Initial Fixed rates are at 5.50%, Adjustable Rate Mortgage (ARM) - 5 years rates are at 5.50%, Adjustable Rate Mortgage (ARM) - 7 Year Initial Fixed rates are at 5.75%. Verve a Credit Union's Personal Loan Rates are as low as 9.38%. Verve a Credit Union's Credit Card Rates are at 13.65%. Verve a Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.73%. Rates last updated and verified on 10/29/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Verve a Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.73%
ExcellentLower than avg
Verve a Credit Union Texas Ratio
Verve a Credit Union's Texas Ratio is 2.73%, which is considered excellent and is lower than the national average of 6.13%.
Verve a Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.11% to 2.73% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Verve a Credit Union CD Rates
Product
Rate
APY
Term
View More
Share/IRA Certificate - 13 Month
4.51%
4.60%
13 months
Min Deposit$1,000
DetailsShare/IRA Certificate Special; dividends compound monthly; fixed for initial term; penalty for early withdrawal
Last Updated10/29/2026
Rate History
1 change since Oct 26, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
Oct 29, 20264.60%▲ from 4.25%
Oct 26, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Share/IRA Certificate Special - 13 Month
4.51%
4.60%
13 months
Min Deposit$1,000
DetailsRates current as of September 23, 2026; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
Oct 29, 20264.60%▲ from 4.25%
Oct 19, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Share/IRA Certificate - 24 Month
2.72%
2.75%
24 months
Min Deposit$1,000
DetailsRates current as of September 23, 2026; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Share/IRA Certificate - 18 Month
2.47%
2.50%
18 months
Min Deposit$1,000
DetailsRates current as of September 23, 2026; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Share/IRA Certificate - 12 Month
2.23%
2.25%
12 months
Min Deposit$1,000
DetailsRates current as of September 23, 2026; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Add-On Certificate - 12 Month
0.20%
0.20%
12 months
Min Deposit$25
DetailsRates current as of September 23, 2026; additional deposits allowed; dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Savings Rates
Product
Rate
APY
View More
Premier Savings
0.50%
0.50%
Min Balance$500
DetailsQualified Rates; Balance: $500.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Premier Savings
-
0.50%
Min Balance$500
DetailsBalance: $500 daily savings balance to earn dividends; Bundled with a qualifying Verve Premier Checking account; when not bundled or not qualified, 0.20% APY; No minimum balance required; No monthly service fee
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Essential Savings
-
0.30%
DetailsQualified rate; requires bundling with Verve Essential Checking. Qualifications: monthly ACH direct deposits in checking totaling at least $250, valid email address, and enrollment in eStatements. No minimum balance to earn dividends; no monthly service fee. Dividends compounded and paid monthly; variable and subject to change at credit union discretion.
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Premier Savings Non-Qualified
0.20%
0.20%
Min Balance$500
DetailsBalance: $500.00 and over; Non-Qualified rate (qualifications not met or not bundled with Verve Premier Checking)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Essential Savings Non-Qualified
0.10%
0.10%
Min Balance$0
DetailsBalance: $0.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Name Your Savings
0.10%
0.10%
Min Balance$100
DetailsBalance: $100
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Essential Savings
-
0.10%
DetailsNon-Qualified rate; applies when qualifications are not met. No minimum balance to earn dividends; no monthly service fee. Dividends compounded and paid monthly; variable and subject to change at credit union discretion.
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.10%
0.10%
Min Balance$100
DetailsBalance: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Money Market Rates
Product
Rate
APY
View More
Optimum Money Market
3.19%
3.24%
Min Balance$200,000
DetailsQualified Rates; Balance: $200,000.00 and over
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.24% → 3.24% ▼ 0.00 pts · high 3.24% / low 2.24%
Oct 26, 20263.24%▲ from 2.24%
Sep 18, 20262.24%▼ from 3.24%
Sep 14, 20263.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Optimum Money Market
-
3.24%
Min Balance$5,000
DetailsQualified: when bundled with a qualifying Verve Optimum Checking account; up to 3.24% APY for daily balances of $200,000+; tiered APYs based on daily balance from $5,000 to $200,000+, request a Rate Sheet for all tiers; no monthly service fee
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.24% APY · checked 3 times
2 changes since Sep 14, 2026 · 2.24% → 2.24% ▼ 0.00 pts · high 2.24% / low 1.49%
Oct 26, 20262.24%▲ from 1.49%
Sep 22, 20261.49%▼ from 2.24%
Sep 14, 20262.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Optimum Money Market
-
2.24%
Min Balance$5,000
DetailsNon-Qualified: when not bundled with a Verve Optimum Checking account or when monthly qualifications are not met; up to 2.24% APY for daily balances of $200,000+; tiered APYs based on daily balance from $5,000 to $200,000+, request a Rate Sheet for all tiers; no monthly service fee
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 3.24% → 2.24% ▼ 1.00 pts · high 3.24% / low 2.24%
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA Money Market
0.15%
0.15%
Min Balance$20,000
DetailsBalance: $20,000.00 and over; Minimum balance of $100 to earn dividends; Dividends compound monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA Money Market
0.10%
0.10%
Min Balance$2,000
DetailsBalance: $2,000.00-$19,999.99; Minimum balance of $100 to earn dividends; Dividends compound monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
IRA Money Market
0.05%
0.05%
Min Balance$100
DetailsBalance: $100.00-$1,999.99; Minimum balance of $100 to earn dividends; Dividends compound monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
2.22%
2.24%
Min Balance$950,000
DetailsBalance: $950,000.00 - $1,999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.24% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
2.22%
2.24%
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.24% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
1.85%
1.87%
Min Balance$500,000
DetailsBalance: $500,000.00 - $949,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.87% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
1.55%
1.56%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.56% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
1.45%
1.46%
Min Balance$75,000
DetailsBalance: $75,000.00 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.46% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
1.25%
1.26%
Min Balance$25,000
DetailsBalance: $25,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Business Money Market
1.20%
1.21%
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.21% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Checking Rates
Product
Rate
APY
View More
Verve Optimum Checking
2.47%
2.50%
Min Balance$0
DetailsQualifications Required: Monthly ACH direct deposits in checking totaling at least $1,000; valid email address; enroll in and receive eStatements; Balance: $0.01-$10,000.00; Optimum Checking Qualified Rates
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Optimum Checking
-
0.48%
Min Balance$10,000
DetailsQualifications Required: Monthly ACH direct deposits in checking totaling at least $1,000; valid email address; enroll in and receive eStatements; Balance: $10,000.01 and over; Optimum Checking Qualified Rates; APY range printed as 2.50% - 0.48%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.48% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Optimum Checking Non-Qualified
0.25%
0.25%
Min Balance$0
DetailsNon-Qualified Rates; Balance: $0.00
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Premier Checking
0.25%
0.25%
Min Balance$0
DetailsQualified rates; Balance: $0.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgage (ARM) - 3 Year Initial Fixed
5.38%
-
5.62%
3 years
DetailsInitial Fixed Rate Period
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.62% APR · checked 2 times
No change since Oct 26, 2026 · 5.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - 72-month
4.49%
-
4.59%
72-month
DetailsAs Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount (72-month term has $15,000 minimum loan amount), LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan, Includes Titled Vehicles
4.49%
-
4.59%
72-month
DetailsAs Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725 (72-month term has $15,000 minimum loan amount); APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.59% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan - 60-month
4.49%
-
4.61%
60-month
DetailsAs Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan, Includes Titled Vehicles
4.49%
-
4.61%
60-month
DetailsAs Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.61% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan - 48-month
4.49%
-
4.64%
48-month
DetailsAs Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.64% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan, Includes Titled Vehicles
4.49%
-
4.64%
48-month
DetailsAs Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.64% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan - 36-month
4.49%
-
4.68%
36-month
DetailsAs Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $20,000 loan amount, LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.68% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan, Includes Titled Vehicles
4.49%
-
4.68%
36-month
DetailsAs Low As; Includes titled vehicles; Loan with 36-72 month term for $20,000 loan amount, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.68% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan - 84-month
5.49%
-
5.55%
84-month
DetailsAs Low As; Includes titled vehicles; APR reflects one-time $59 loan processing fee; based on $30,000 loan amount (84-month term has $30,000 minimum loan amount), LTV <=80%, credit score >=725; requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Auto Loan, Includes Titled Vehicles
5.49%
-
5.55%
84-month
DetailsAs Low As; Includes titled vehicles; Loan with 84-month term for $30,000 loan amount, LTV <=80%, credit score >=725 (84-month term has $30,000 minimum loan amount); APR reflects one-time $59 loan processing fee; requires active checking or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.55% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Loans Titled - 72-month
4.49%
4.59%
72-month
DetailsAs Low As; Loan rates based on credit qualifications, account relationship, and approval; all As Low As APRs require an active checking account or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account; APR reflects a one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled - 60-month
4.49%
4.61%
60-month
DetailsAs Low As; Loan rates based on credit qualifications, account relationship, and approval; all As Low As APRs require an active checking account or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account; APR reflects a one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled - 48-month
4.49%
4.64%
48-month
DetailsAs Low As; Loan rates based on credit qualifications, account relationship, and approval; all As Low As APRs require an active checking account or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account; APR reflects a one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.64% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled - 36-month
4.49%
4.68%
36-month
DetailsAs Low As; Loan rates based on credit qualifications, account relationship, and approval; all As Low As APRs require an active checking account or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account; APR reflects a one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.68% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled - 36-month
4.74%
4.93%
36-month
DetailsAs Low As; $20,000 loan amount, LTV <=80%, credit score >=725; $59 one-time loan processing fee reflected in APR; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.93% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled - 60-month
5.24%
5.36%
60-month
DetailsAs Low As; $20,000 loan amount, LTV <=80%, credit score >=725; $59 one-time loan processing fee reflected in APR; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.36% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled - 48-month
5.24%
5.39%
48-month
DetailsAs Low As; $20,000 loan amount, LTV <=80%, credit score >=725; $59 one-time loan processing fee reflected in APR; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.39% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled - 84-month
5.49%
5.55%
84-month
DetailsAs Low As; Loan rates based on credit qualifications, account relationship, and approval; all As Low As APRs require an active checking account or minimum deposit relationship of $10,000 and direct deposit or auto pay from a Verve account; APR reflects a one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled - 72-month
5.99%
6.09%
72-month
DetailsAs Low As; $20,000 loan amount, LTV <=80%, credit score >=780; $15,000 minimum loan amount; $59 one-time loan processing fee reflected in APR; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled - 84-month
6.49%
6.55%
84-month
DetailsAs Low As; $30,000 loan amount, LTV <=80%, credit score >=780; $30,000 minimum loan amount; $59 one-time loan processing fee reflected in APR; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.55% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Credit Card Rates
Product
Rate
APR
View More
Verve Essential Mastercard
-
13.65%
DetailsStandard APR range 13.65% to 22.65% depending on credit history, as of January 1, 2026; varies with the Prime Rate. No balance transfers allowed; no annual fee; earns one point per eligible dollar spent.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.65% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Signature Loans
9.38%
up to 24 months
DetailsAs Low As; Loan amount $15,000; credit score >=780; requires active checking account or $10,000 minimum deposit relationship; APR includes one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 8.88% → 9.38% ▲ 0.50 pts · high 9.38% / low 8.88%
Oct 1, 20269.38%▲ from 8.88%
Sep 22, 20268.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Unsecured Signature Loans
10.20%
25-48 months
DetailsAs Low As; Loan amount $15,000; credit score >=780; requires active checking account or $10,000 minimum deposit relationship; APR includes one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 9.70% → 10.20% ▲ 0.50 pts · high 10.20% / low 9.70%
Oct 1, 202610.20%▲ from 9.70%
Sep 22, 20269.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Unsecured Signature Loans
11.16%
49-60 months
DetailsAs Low As; Loan amount $15,000 ($10,000 minimum loan amount for this term); credit score >=780; requires active checking account or $10,000 minimum deposit relationship; APR includes one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 11.16% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Unsecured Signature Loans
12.14%
72 months
DetailsAs Low As; Loan amount $15,000 ($15,000 minimum loan amount for this term); credit score >=780; requires active checking account or $10,000 minimum deposit relationship; APR includes one-time $59 loan processing fee
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 12.14% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Financial Health History
Verve a Credit Union’s Texas Ratio rose from 2.11% in Q3 2023 to 2.73% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.6B
2.73%
5.0
A+
March 31, 2026
$1.6B
2.59%
5.0
A+
December 31, 2025
$1.6B
2.58%
5.0
A+
September 30, 2025
$1.6B
2.69%
5.0
A+
June 30, 2025
$1.6B
3.38%
5.0
A+
March 31, 2025
$1.6B
1.90%
5.0
A+
December 31, 2024
$1.5B
3.06%
5.0
A+
September 30, 2024
$1.6B
2.97%
5.0
A+
June 30, 2024
$1.5B
2.90%
5.0
A+
March 31, 2024
$1.5B
1.60%
5.0
A+
December 31, 2023
$1.5B
3.80%
5.0
A+
September 30, 2023
$1.5B
2.11%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
173,622,260
Total Uninsured Shares and Deposits > $250K (F+J)
173,622,260
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,200,763,114
Total Interest Expense (Sum of items 6 8)
20,013,533
Share Certificates
8,798
Number of Accounts for Share Drafts
50,471
IRA KEOGH Accounts
3,679
Number of Accounts for Regular Shares
84,481
All other shares
1,328
Non Member Deposits
2
Money Market Shares
7,499
Net Income (unless the amount is already included in Undivided Earnings)
4,022,980
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
47,511,402
Total Liabilities
1,451,488,788
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Verve a Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Verve a Credit Union
Frequently Asked Questions About Verve a Credit Union
Does Verve a Credit Union offer CDs?
Yes. Verve a Credit Union current CD rates include its Share/IRA CD - 13 Month at 4.60% APY, its Share/IRA CD Special - 13 Month at 4.60% APY and its Share/IRA CD - 24 Month at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Verve a Credit Union NCUA insured?
Yes. Verve a Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Verve a Credit Union?
The highest Verve a Credit Union CD rate is its Share/IRA CD - 13 Month at 4.60% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Verve a Credit Union offer?
Verve a Credit Union CD rates are 0.20% APY for a 12 month CD, 4.60% APY for a 13 month CD, 2.50% APY for an 18 month CD and 2.75% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Verve a Credit Union for its full lineup.
What is the highest savings rate at Verve a Credit Union?
The highest Verve a Credit Union savings rate is its Premier Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Verve a Credit Union?
The highest Verve a Credit Union money market rate is its Optimum Money Market at 3.24% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Verve a Credit Union?
The highest Verve a Credit Union checking rate is its Verve Optimum Checking at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at Verve a Credit Union?
The lowest Verve a Credit Union mortgage rate is its Adjustable Rate Mortgage (ARM) - 3 Year Initial Fixed at 5.38%, verified by MonitorBankRates as of October 29, 2026. Verve a Credit Union mortgage rates are 5.88% for a 10 year mortgage, 5.75% for a 7 year mortgage, 5.50% for a 5 year mortgage and 5.38% for a 3 year mortgage.
What is the lowest auto loan rate at Verve a Credit Union?
The lowest Verve a Credit Union auto loan rate is its Auto Loan - 72-month at 4.49%, verified by MonitorBankRates as of October 29, 2026. Verve a Credit Union auto loan rates are 4.49% for a 36 month auto loan, 4.49% for a 48 month auto loan, 4.49% for a 60 month auto loan, 4.49% for a 72 month auto loan and 5.49% for an 84 month auto loan.
What is the lowest personal loan rate at Verve a Credit Union?
The lowest Verve a Credit Union personal loan rate is its Unsecured Signature Loans at 8.99%, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Verve a Credit Union?
The lowest Verve a Credit Union credit card APR is its Verve Essential Mastercard Credit Card at 13.65% APR, verified by MonitorBankRates as of October 29, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Verve a Credit Union rates compare?
Verve a Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. Verve a Credit Union's top rates are its Share/IRA CD - 13 Month at 4.60% APY, its Premier Savings at 0.50% APY, its Optimum Money Market at 3.24% APY, its Verve Optimum Checking at 2.50% APY, its Adjustable Rate Mortgage (ARM) - 3 Year Initial Fixed at 5.38%, its Unsecured Signature Loans at 9.38% APR and its Verve Essential Mastercard Credit Card at 13.65% APR, verified by MonitorBankRates on October 29, 2026.
Current Verve a Credit Union Rates
12-Month CD0.20%
18-Month CD2.50%
24-Month CD2.75%
Savings0.50%
MMA3.24%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
