Credit union · NCUA insured
Verve, a Credit Union Savings Rates
Verve, a Credit Union’s best savings rate is 0.15% APY on $10,000, with its Pick Your Payout. Rates checked October 16, 2026.
How Verve, a Credit Union’s savings rates compare
Compared with banks and credit unions near Oshkosh, WI, where Verve, a Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Verve, a Credit Union
0.99%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $99
Verve Optimum Money Market
Top rate
CoVantage Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Verve, a Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.99%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Verve, a Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Verve Optimum Money Market
Up to 0.99%APY
Tiered rate account. Dividends compound and credit monthly. Minimum daily balance of $5,000.00 to earn dividends. Once a particular balance tier is met, the rate applies to the full balance. Higher bundled APYs require an open Verve Optimum Checking account with qualifying monthly aggregate ACH direct deposits totaling $1,000 or greater, a valid email address on file, and enrollment in eStatements. If qualifications are not met or the account is non-bundled, non-qualified rates apply. Membership requires purchasing and maintaining at least one $5.00 par value share in a Verve Ownership Share Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 0.75% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $5,000 – $10,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 0.50% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $10,000 – $20,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 0.99% | $99 | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $10,000 – $20,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 0.75% | $75 | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $20,000 – $40,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 1.49% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $20,000 – $40,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 1.00% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $40,000 – $75,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 2.24% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $40,000 – $75,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 1.49% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $75,000 – $125,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 2.75% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $75,000 – $125,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 1.75% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $125,000 – $200,000Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 2.99% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $125,000 – $200,000Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 2.00% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
| $200,000 and upQualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. | 3.24% | — | Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements. |
| $200,000 and upNon-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. | 2.24% | — | Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met. |
Verve Premier Savings
Up to 0.50%APY
$500 daily balance to earn dividends. No minimum balance required to open/maintain. No monthly service fee. Higher APY applies when bundled with a qualifying Verve Premier Checking account (monthly ACH direct deposits totaling at least $500, valid email address, and enrolled in eStatements). When not bundled or qualifications not met, non-qualified rate applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upQualifications met: Bundled with qualifying Verve Premier Checking (monthly ACH direct deposits in checking totaling at least $500, valid email address, and enrolled in eStatements). Dividends compounded and paid monthly.$500 and up | 0.50% | $50 | Qualifications met: Bundled with qualifying Verve Premier Checking (monthly ACH direct deposits in checking totaling at least $500, valid email address, and enrolled in eStatements). Dividends compounded and paid monthly. |
| $500 and upQualifications not met or not bundled with Verve Premier Checking. Dividends compounded and paid monthly.$500 and up | 0.20% | $20 | Qualifications not met or not bundled with Verve Premier Checking. Dividends compounded and paid monthly. |
Verve Essential Savings
Up to 0.30%APY
No minimum balance to earn dividends. No monthly service fee. Membership eligibility required. Qualification cycle is one calendar month. Higher rate requires bundled Verve Essential Checking with monthly ACH direct deposits totaling at least $250, valid email address, and enrollment in eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifications met: Bundled Verve Essential Checking with monthly ACH direct deposits totaling at least $250, valid email address, and enrollment in eStatements. Dividends compounded and paid monthly.Any balance | 0.30% | $30 | Qualifications met: Bundled Verve Essential Checking with monthly ACH direct deposits totaling at least $250, valid email address, and enrollment in eStatements. Dividends compounded and paid monthly. |
| Any balanceQualifications not met or not bundled. Dividends compounded and paid monthly.Any balance | 0.10% | $10 | Qualifications not met or not bundled. Dividends compounded and paid monthly. |
Pick Your Payout
0.15%APY
Minimum balance of $100 to earn dividends. Dividends paid and compounded annually. $10 fee for early withdrawals. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to earn dividends. Dividends paid and compounded annually. $10 fee for early withdrawals. Variable rate.$100 and up | 0.15% | $15 | Minimum balance of $100 to earn dividends. Dividends paid and compounded annually. $10 fee for early withdrawals. Variable rate. |
Sources (3)
- verveacu.com/rates.html
- verveacu.com/sft1961/consumer-account-summary.pdf
- verveacu.com/sft1961/deposit-p…uth-in-savings-tis-2.pdf
All captured Oct 16, 2026
Name Your Savings
0.10%APY
No monthly service fee. Minimum balance of $100 to earn dividends. Flexible goal-based savings account. Dividends compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to earn dividends. Dividends paid and compounded monthly. Variable rate.$100 and up | 0.10% | $10 | Minimum balance of $100 to earn dividends. Dividends paid and compounded monthly. Variable rate. |
Verve Ownership Share Account
0.10%APY
Par value of one share is $5.00. Minimum balance of $100.00 to earn dividends. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 to earn dividends. Dividends compounded and credited monthly.$100 and up | 0.10% | $10 | Minimum balance of $100.00 to earn dividends. Dividends compounded and credited monthly. |
Sources (2)
- verveacu.com/sft1961/consumer-account-summary.pdf
- verveacu.com/sft1961/deposit-p…uth-in-savings-tis-2.pdf
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.40%APY
Health Savings Account subject to IRS limitations. Minimum balance of $100 to earn dividends. Tiered rates apply to full balance once a tier threshold is met. No monthly service fee. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. | 0.15% | — | Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. |
| $2,500 – $10,000Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. | 0.30% | — | Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. |
| $10,000 – $25,000Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. | 0.40% | $40 | Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. |
| $25,000 and upDividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. | 0.45% | — | Dividends compounded and paid monthly. Variable rate. Rate applies to full balance once range is met. |
IRA Money Market
0.10%APY
Tiered rate account available in Traditional and Roth IRA plans. Dividends compound and credit monthly. Minimum balance of $100.00 to earn dividends. Once a particular balance tier is met, the dividend rate and APY apply to the full account balance. Deposits and withdrawals are allowed subject to IRA rules.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,000 | 0.05% | — |
| $2,000 – $20,000 | 0.10% | $10 |
| $20,000 and up | 0.15% | — |
Closed to new customers
Money Market Prime
Up to 3.74%APY
Available to existing members with a deposit relationship of $25,000.00 or more. Tiered rate account. Dividends compound and credit monthly. Minimum opening deposit and minimum daily balance to earn stated APY is $100,000.00. Once a particular balance tier is met, the rate applies to the full balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $500,000Requires existing member deposit relationship of $25,000.00 or more. | 2.75% | — | Requires existing member deposit relationship of $25,000.00 or more. |
| $500,000 and upRequires existing member deposit relationship of $25,000.00 or more. | 3.74% | — | Requires existing member deposit relationship of $25,000.00 or more. |
Sources (1)
- verveacu.com/sft1961/deposit-p…uth-in-savings-tis-2.pdf · captured Sep 18, 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.