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Verve a Credit Union Rates & Review October 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 13, 2026
Verve a Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 13 Month Share/IRA CD Special, 0.50% APY on savings, 3.24% APY on money market accounts, 2.50% APY on checking, 5.38% on its Adjustable Rate Mortgage (ARM), personal loans from 9.38% APR, and credit cards from 13.65% APR, according to rates verified by MonitorBankRates. Other Verve a Credit Union CD rates include 24 Month Share/IRA CD at 2.75%, 18 Month Share/IRA CD at 2.50%, and 12 Month Share/IRA CD at 2.25%. Other Verve a Credit Union mortgage rates include Adjustable Rate Mortgage (ARM) at 5.50%, Adjustable Rate Mortgage (ARM) at 5.75%, and Adjustable Rate Mortgage (ARM) 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 2.73%. Rates last updated and verified on 10/13/2026.
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
13 Month Share/IRA Certificate Special
4.17%
4.25%
13 months
Min Deposit$1,000
DetailsDividends compound monthly; fixed for initial term; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
24 Month Share/IRA Certificate
2.72%
2.75%
24 months
Min Deposit$1,000
DetailsDividends compound monthly; fixed for initial term; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
18 Month Share/IRA Certificate
2.47%
2.50%
18 months
Min Deposit$1,000
DetailsDividends compound monthly; fixed for initial term; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Share/IRA Certificate
2.23%
2.25%
12 months
Min Deposit$1,000
DetailsDividends compound monthly; fixed for initial term; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
12 Month Add-On Certificate
0.20%
0.20%
12 months
Min Deposit$25
DetailsAdditional deposits allowed; dividends compound monthly; fixed for initial term; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve a Credit Union Savings Rates
Product
Rate
APY
View More
Verve Premier Savings
-
0.50%
Min Balance$500
DetailsQualified APY when bundled with a qualifying Verve Premier Checking account; Non-Qualified APY is 0.20%; $500 daily savings balance to earn dividends; No minimum balance required; No monthly service fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Health Savings Account (HSA)
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000.00+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Health Savings Account (HSA)
0.40%
0.40%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Health Savings Account (HSA)
0.30%
0.30%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Essential Savings - Qualified
-
0.30%
DetailsQualified rate when bundled with Verve Essential Checking; qualifications: 1) monthly ACH direct deposits in checking totaling at least $250, 2) valid email address, 3) enroll in and receive eStatements; APY is variable and subject to change at the Credit Union's discretion; dividends compounded and paid monthly; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.30% APY
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+; Non-qualified rate, applies when not bundled with Verve Premier Checking or when monthly qualifications are not met; $500 daily balance to earn dividends; No minimum balance required; No monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Health Savings Account (HSA)
0.15%
0.15%
Min Balance$100
DetailsBalance: $100.00 - $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
1 change since Sep 14, 2026 · 0.30% → 0.10% ▼ 0.20 pts · high 0.30% / low 0.10%
Oct 13, 20260.10%▼ from 0.30%
Sep 14, 20260.30%first recorded
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 Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Essential Savings - Non-Qualified
-
0.10%
DetailsNon-qualified rate when Verve Essential Savings qualifications are not met; APY is variable and subject to change at the Credit Union's discretion; dividends compounded and paid monthly; no minimum balance to earn dividends; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 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
Verve Optimum Money Market
-
3.24%
Min Balance$5,000
DetailsUp to 3.24% APY (qualified, bundled with a qualifying Verve Optimum Checking account); top tier for daily balances of $200,000+; tiered APYs from $5,000 to $200,000+; $5,000 daily balance to earn dividends; No monthly service fee; Rate Sheet available for all tiers
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.24% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Optimum Money Market
2.22%
2.24%
Min Balance$200,000
DetailsNon-Qualified; Balance: $200,000.00 and over
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.24% → 2.24% ▼ 1.00 pts · high 3.24% / low 2.24%
1 change since Sep 14, 2026 · 0.75% → 0.50% ▼ 0.25 pts · high 0.75% / low 0.50%
Oct 5, 20260.50%▼ from 0.75%
Sep 14, 20260.75%first recorded
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+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 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
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 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
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.24% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.24% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.87% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.56% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.46% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 4 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.21% APY · checked 4 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; Balance: $0.01-$10,000.00; Optimum Checking Qualified Rates; Domestic ATM fees reimbursed up to $5 per transaction, $15.00 maximum credit per qualification cycle; $15.00 monthly service fee waived with $10,000 combined deposit balance or as a Verve credit card holder
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.50% 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
DetailsBalance: $0.00; Non-qualified rate paid when qualifications are not met; ATM refunds do not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Premier Checking
0.25%
0.25%
Min Balance$0
DetailsQualified Rates; Balance: $0.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Verve Premier Checking
-
0.25%
DetailsQualifications Required; Qualified APY; Non-Qualified APY is 0.10%; Waive $5.00 monthly service fee with $2,000 combined deposit average daily balance or as a Verve credit card holder; ATM fee refunds up to $5 per transaction, $10.00 maximum credit per qualification cycle; Bundle with Premier Savings and Premier Mastercard for higher rates
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.25% APY · checked 2 times
Verve a Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Loans Titled
4.49%
4.59%
72-month
DetailsAs Low As; Requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay; APR reflects one-time $59 loan processing fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled
4.49%
4.61%
60-month
DetailsAs Low As; Requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay; APR reflects one-time $59 loan processing fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.61% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled
4.49%
4.64%
48-month
DetailsAs Low As; Requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay; APR reflects one-time $59 loan processing fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled
4.49%
4.68%
36-month
DetailsAs Low As; Requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay; APR reflects one-time $59 loan processing fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.68% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled
4.74%
4.93%
36-month
DetailsAs Low As; Loan for $20,000, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay from a Verve account
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 4.93% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled
5.24%
5.36%
60-month
DetailsAs Low As; Loan for $20,000, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay from a Verve account
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 5.36% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled
5.24%
5.39%
48-month
DetailsAs Low As; Loan for $20,000, LTV <=80%, credit score >=725; APR reflects one-time $59 loan processing fee; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay from a Verve account
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 5.39% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Titled
5.49%
5.55%
84-month
DetailsAs Low As; Requires active checking account or $10,000 minimum deposit relationship and direct deposit or auto pay; APR reflects one-time $59 loan processing fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.55% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled
5.99%
6.09%
72-month
DetailsAs Low As; Loan for $20,000 (minimum loan $15,000), LTV <=80%, credit score >=780; APR reflects one-time $59 loan processing fee; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay from a Verve account
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 6.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.73%
Recreational Loans Non-Titled
6.49%
6.55%
84-month
DetailsAs Low As; Loan for $30,000 (minimum loan $30,000), LTV <=80%, credit score >=780; APR reflects one-time $59 loan processing fee; requires active checking or $10,000 minimum deposit relationship and direct deposit or auto pay from a Verve account
Last Updated10/13/2026
Rate History
No change since Oct 5, 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 market based on the Prime Rate; no balance transfers allowed; no annual fee; rewards: one point per eligible dollar spent
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.65% APR · checked 7 times
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; credit score >=780; 49-60 month term has a $10,000 minimum loan amount; $59 one-time loan processing fee reflected in APR
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 11.16% APR · checked 5 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; credit score >=780; 72-month term has a $15,000 minimum loan amount; $59 one-time loan processing fee reflected in APR
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 12.14% APR · checked 5 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
Q2 2026 MBR Health & Safety Badge
Verve a Credit Union earned the Verified Healthy badge
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Frequently Asked Questions About Verve a Credit Union
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
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
