Credit union · NCUA insured
Verve, a Credit Union Auto Loan Rates
Verve, a Credit Union auto loans start at 4.59% APR for a new vehicle and 4.59% for a used one. Rates checked October 16, 2026.
How Verve, a Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oshkosh, WI, where Verve, a Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Verve, a Credit Union
4.59%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loans
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Verve, a Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Verve, a Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership eligibility required. Up to 90 days before first payment available for purchases or refinances from another financial institution ($5,000 new money required for existing Verve vehicle loans; interest accrues during 90-day period). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.68% | As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan. |
| up to 48 months | 4.64% | As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan. |
| up to 60 months | 4.61% | As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan. |
| up to 72 months | 4.59% | Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan. |
| up to 84 months | 5.55% | Requires a minimum loan amount of $30,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $30,000 loan. |
Sources (4)
- verveacu.com/personal.html
- verveacu.com/loans-financing.html
- verveacu.com/rates.html
- verveacu.com/auto-loans.html
All captured Oct 7, 2026
Who can join Verve, a Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships in 23 designated counties across Wisconsin, Minnesota, and Illinois.
Employers and groups
- Membership is open nationwide through American Consumer Council (ACC) membership.
- Membership is open to employees of Kimberly-Clark Corp., Fox River Paper Co., and the medical services industry.
Family and household
- Membership is open to the immediate family of any current member.
Cost to join
- Members must purchase and maintain one required share at a par value of $5.00 in a savings account.
Membership information collected October 5, 2026.