Credit union · NCUA insured
Verve, a Credit Union Credit Card Rates
Verve, a Credit Union credit cards start at 13.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Verve, a Credit Union’s credit card rates compare
Compared with banks and credit unions near Oshkosh, WI, where Verve, a Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Verve, a Credit Union
13.90%APR
- Up to
- 22.90% APR
Verve Essential Mastercard
Lowest rate
Community First Credit Union
8.99%APR
- Up to
- —
2nd-lowest rate
Oshkosh Community Credit Union
9.49%APR
- Up to
- —
Verve, a Credit Union credit card score
64
Credit card score
Higher than 11% of U.S. banks and credit unions
- Purchase APRPurchase APR13.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Verve Essential Mastercard
Secured credit card to build credit with credit limit starting at $200. No annual fee. Foreign transaction fee is 1% of each converted transaction in U.S. dollars. Balance transfers are not permitted. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90%–22.90% | None | Standard variable APR for purchases based on credit history and Prime Rate. No balance transfers allowed. |
| Ongoing | 13.90%–22.90% | None | Variable APR for cash advances based on credit history and Prime Rate. $5.00 fee per cash advance. |
Verve Optimum World Mastercard
Unsecured credit card with credit limit starting at $200. No annual fee and no foreign transaction fees. Earn 2% cash back on all qualifying purchases. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR on balance transfers for 12 billing cycles from date of account opening. Balance transfer fee is 3.00% of the amount of each transfer or $5.00, whichever is greater. |
| Ongoing | 14.90%–23.90% | None | Standard variable APR for purchases based on credit history and Prime Rate. |
| Ongoing | 20.90% | None | Variable APR for cash advances based on the Prime Rate. Cash advance fee is 5.00% of the amount of each cash advance or $10.00, whichever is greater. |
Verve Premier Mastercard
Unsecured credit card with credit limit starting at $200. No annual fee. Foreign transaction fee is 1% of each converted transaction in U.S. dollars. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR on purchases for 12 billing cycles from date of account opening. |
| Ongoing | 11.90%–20.90% | None | Standard variable APR for purchases after the 12-billing-cycle introductory period based on credit history and Prime Rate. |
| Ongoing | 11.90%–20.90% | None | Variable APR for cash advances based on credit history and Prime Rate. $5.00 fee per cash advance. |
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.