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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 September 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 and Verified: September 14, 2026
Verve a Credit Union's 13 Month IRA CD rates are at 4.10%, 24 Month IRA CD rates are at 2.75%, 18 Month IRA CD rates are at 2.50%, 12 Month IRA CD rates are at 2.25%, Add-On CD 12-month 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 0.05%. Verve a Credit Union's Adjustable Rate Mortgage (ARM) rates are at 5.38%, Adjustable Rate Mortgage (ARM) rates are at 5.50%, Adjustable Rate Mortgage (ARM) rates are at 5.74%, Adjustable Rate Mortgage (ARM) rates are at 5.84%. Verve a Credit Union's Auto Loan Rates are as low as 4.59%. Verve a Credit Union's Credit Card Rates are at 11.65%. 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 2.59%. Rates last updated and verified on 09/14/2026. 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 Checking Rates
Verve a Credit Union Mortgage Rates
Verve a Credit Union Auto Loan Rates
Verve a Credit Union Credit Card Rates
Financial Health HistoryVerve a Credit Union’s Texas Ratio fell from 3.29% in Q2 2023 to 2.59% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
256
Part-Time Employees
11
Branch Locations
20
ATM Locations
21
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
2.59%
Return on Assets (ROA)
0.1485%
Return on Equity (ROE)
1.5342%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
1,586,460,895
Total Amount of Shares and Deposits
1,374,872,897
Total Shares and Deposits < 1 Year
1,329,676,828
Total Shares and Deposits 1 3 Years
43,953,105
Total Shares and Deposits > 3 Years
1,242,964
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
167,358,988
Total Uninsured Shares and Deposits > $250K (F+J)
167,358,988
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,207,513,909
Total Interest Expense (Sum of items 6 8)
9,938,934
Share Certificates
9,235
Number of Accounts for Share Drafts
50,177
IRA KEOGH Accounts
3,719
Number of Accounts for Regular Shares
84,382
All other shares
1,354
Non Member Deposits
2
Money Market Shares
7,472
Net Income (unless the amount is already included in Undivided Earnings)
2,355,565
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)
61,767,225
Total Liabilities
1,462,065,060
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Verve a Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Verve a Credit Union
Frequently Asked Questions About Verve a Credit UnionHow 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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