--- title: "Verve, A Credit Union: #1 HELOC in Wisconsin" description: "Verve, A Credit Union has the lowest tracked HELOC rate in Wisconsin (6.00% APR) among 23 credit unions we verify. Verve, A Credit Union rates today: HELOC from 6.00% APR, savings & CDs up to 0.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Verve, A Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/verve-a-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Verve, A Credit Union: #1 HELOC in Wisconsin ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **ARM** arm | — APR | 5.500% | — | Standard | Verve, A Credit Union mortgage rates as of November 11, 2026 ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Comparison table of Recreational Loans Titled (48-month)** powersports_any_48mo | — APR | 4.490% | 48 mo | Standard | | **Comparison table of Recreational Loans Titled (36-month)** powersports_any_36mo | — APR | 4.490% | 36 mo | Standard | | **Comparison table of Recreational Loans Titled** powersports | — APR | 4.490% | — | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles (72-month)** auto_any_72mo | — APR | 4.490% | 72 mo | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles (60-month)** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles (48-month)** auto_any_48mo | — APR | 4.490% | 48 mo | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles (36-month)** auto_any_36mo | — APR | 4.490% | 36 mo | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles** auto | — APR | 4.490% | — | Standard | | **Comparison table of Recreational Loans Titled (72-month)** powersports_any_72mo | — APR | 4.490% | 72 mo | Standard | | **Comparison table of Recreational Loans Titled (60-month)** powersports_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Comparison table of Recreational Loans Non-Titled** powersports | — APR | 4.740% | — | Standard | | **Comparison table of Recreational Loans Non-Titled (36-month)** powersports_any_36mo | — APR | 4.740% | 36 mo | Standard | | **Comparison table of Recreational Loans Non-Titled (48-month)** powersports_any_48mo | — APR | 5.240% | 48 mo | Standard | | **Comparison table of Recreational Loans Non-Titled (60-month)** powersports_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Recreational Loans Non-Titled** powersports | — APR | 5.240% | — | Standard | | **Recreational Loans Titled** powersports | — APR | 5.490% | — | Standard | | **Comparison table of Auto Loan Rates, Includes Titled Vehicles (84-month)** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Comparison table of Recreational Loans Titled (84-month)** powersports_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Comparison table of Recreational Loans Non-Titled (72-month)** powersports_any_72mo | — APR | 5.990% | 72 mo | Standard | | **Comparison table of Recreational Loans Non-Titled (84-month)** powersports_any_84mo | — APR | 6.490% | 84 mo | Standard | Verve, A Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 6.000% APR | 6.000% | — | Standard | Verve, A Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Comparison table of Unsecured Signature Loans (≤ 24 months)** personal_unsecured_24mo | — APR | 8.990% | 24 mo | Standard | | **Signature Loan** personal_unsecured | — APR | 9.380% | — | Standard | | **Comparison table of Unsecured Signature Loans (25-48 months)** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Signature Loan** personal_unsecured | — APR | 9.990% | — | Standard | | **Comparison table of Unsecured Signature Loans (49-60 months)** personal_unsecured_60mo | — APR | 10.990% | 60 mo | Standard | | **Comparison table of Unsecured Signature Loans (72 months)** personal_unsecured_72mo | — APR | 11.990% | 72 mo | Standard | Verve, A Credit Union personal loan rates as of November 11, 2026 ### Savings & CD rates 51 offers | Product | Published | Rate | Term / condition | Status | | **Comparison table of IRA Money Market** ira | 0.05% APY | 0.05% | — | Standard | | **Comparison table of IRA Money Market Rates ($100.00–$1,999.99)** ira | — APY | 0.05% | — | Standard | | **Comparison table of Essential Savings Non-Qualified** savings | — APY | 0.10% | — | Standard | | **Comparison table of IRA Money Market Rates ($2,000.00–$19,999.99)** ira | — APY | 0.10% | — | Standard | | **Comparison table of Premier Checking Non-Qualified** checking | — APY | 0.10% | — | Standard | | **IRA Money Market** ira | — APY | 0.10% | — | Standard | | **Comparison table of Health Savings Account (HSA)** savings | — APY | 0.15% | — | Standard | | **Comparison table of IRA Money Market Rates ($20,000.00+)** ira | — APY | 0.15% | — | Standard | | **Health Savings Account (HSA)** savings | — APY | 0.15% | — | Standard | | **Comparison table of Business Checking with Interest** checking | — APY | 0.15% | — | Eligibility restricted | | **Business Checking with Interest** checking | — APY | 0.15% | — | Eligibility restricted | | **Premier Savings Non-Qualified** savings | — APY | 0.20% | — | Standard | | **Comparison table of Share/IRA Certificate** ira_cd | — APY | 0.20% | — | Standard | | **Comparison table of Share/IRA Certificate Rates (Add-On Certificate 12-month)** ira_cd_12mo | — APY | 0.20% | 12 mo | Standard | | **Comparison table of Optimum Checking Non-Qualified** checking | — APY | 0.25% | — | Standard | | **Essential Savings Qualified** savings | — APY | 0.30% | — | Standard | | **Premier Savings Qualified** savings | — APY | 0.50% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($5,000.00–$9,999.99)** money_market | — APY | 0.50% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified** money_market | — APY | 0.50% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($10,000.00–$19,999.99)** money_market | — APY | 0.75% | — | Standard | | **Non-Bundled** savings | — APY | 0.75% | — | Standard | | **Comparison table of Optimum Money Market Qualified** money_market | — APY | 0.75% | — | Standard | | **Comparison table of Optimum Money Market Qualified Rates ($5,000.00–$9,999.99)** money_market | — APY | 0.75% | — | Standard | | **Comparison table of Optimum Money Market Qualified Rates ($10,000.00–$19,999.99)** money_market | — APY | 0.99% | — | Standard | | **Bundled** savings | — APY | 0.99% | — | Standard | | **Optimum Money Market Qualified** money_market | — APY | 0.99% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($20,000.00–$39,999.99)** money_market | — APY | 1.00% | — | Standard | | **Optimum Money Market Non-Qualified** money_market | — APY | 1.00% | — | Standard | | **Comparison table of Business Money Market** money_market | — APY | 1.20% | — | Eligibility restricted | | **Business Money Market** money_market | — APY | 1.21% | — | Eligibility restricted | | **Comparison table of Optimum Money Market Qualified Rates ($20,000.00–$39,999.99)** money_market | — APY | 1.48% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($40,000.00–$74,999.99)** money_market | — APY | 1.48% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($75,000.00–$124,999.99)** money_market | — APY | 1.73% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($125,000.00–$199,999.99)** money_market | — APY | 1.98% | — | Standard | | **Comparison table of Optimum Money Market Qualified Rates ($40,000.00–$74,999.99)** money_market | — APY | 2.22% | — | Standard | | **Comparison table of Optimum Money Market Non-Qualified Rates ($200,000.00+)** money_market | — APY | 2.22% | — | Standard | | **Comparison table of Share/IRA Certificate Rates (12-month)** ira_cd_12mo | — APY | 2.23% | 12 mo | Standard | | **Share/IRA Certificate** ira_cd | — APY | 2.25% | — | Standard | | **Comparison table of Share/IRA Certificate Rates (18-month)** ira_cd_18mo | — APY | 2.47% | 18 mo | Standard | | **Comparison table of Optimum Checking Qualified** checking | — APY | 2.47% | — | Standard | | **Comparison table of personal checking accounts (Dividend Rates)** checking | — APY | 2.50% | — | Specialty offer | | **Comparison table of Optimum Money Market Qualified Rates ($75,000.00–$124,999.99)** money_market | — APY | 2.71% | — | Standard | | **Comparison table of Share/IRA Certificate Rates (24-month)** ira_cd_24mo | — APY | 2.72% | 24 mo | Standard | | **Comparison table of Optimum Money Market Qualified Rates ($125,000.00–$199,999.99)** money_market | — APY | 2.95% | — | Standard | | **Comparison table of Optimum Money Market Qualified Rates ($200,000.00+)** money_market | — APY | 3.19% | — | Standard | | **Optimum Money Market** money_market | — APY | 3.24% | — | Standard | | **Comparison table of Share/IRA Certificate Rates (13-month)** ira_cd_13mo | — APY | 4.51% | 13 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 5.38% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.50% | 60 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.75% | 84 mo | Standard | | **120-Month Certificate** cd_120mo | — APY | 5.88% | 120 mo | Standard | Verve, A Credit Union savings & cd rates as of November 11, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Pick Your Payout Rates** other | — % | 0.150% | — | Standard | | **Available APRs*** other | — % | 13.150% | — | Standard | Verve, A Credit Union other rates as of November 11, 2026 HELOC rates from 6% APR. Savings and certificate yields up to 0.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/verve-a-credit-union) , verified from [Verve, A Credit Union's official website](https://verveacu.com/) Best product position **#1 of 23** HELOC Gap to state best **0 bp** State market leader Vs. state median **75 bp better than median** HELOC Products ranked **1** across tracked Wisconsin markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.00% | #1 of 23 · lowest in Wisconsin | State market leader | 75 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Verve, A Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=verve-a-credit-union&state=wisconsin&code=WI&name=Verve%2C%20A%20Credit%20Union) Loading branch locator… ## About Verve, A Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 63.2K Assets $1.6B Founded 1938 Locations reported 20 NCUA charter 66777 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Community First** Community First Credit Union - Oshkosh · Oshkosh · WI · 54904 About 1.7 miles away](https://rateapi.dev/credit-unions/wisconsin/community-first) [**Winnebago Community** Witzel · Oshkosh · WI · 54904 About 1.9 miles away](https://rateapi.dev/credit-unions/wisconsin/winnebago-community) [**Fox Communities** Oshkosh · Oshkosh · WI · 54902 About 2.4 miles away](https://rateapi.dev/credit-unions/wisconsin/fox-communities) [**Oshkosh Community** Ripple Credit Union · Oshkosh · WI · 54902-4253 About 2.8 miles away](https://rateapi.dev/credit-unions/wisconsin/oshkosh-community) [**Ripple** Main Location · Oshkosh · WI · 54902-4253 About 2.8 miles away](https://rateapi.dev/credit-unions/wisconsin/ripple) [**University of Wisconsin** Oshkosh · Oshkosh · WI · 54901-3512 About 3.7 miles away](https://rateapi.dev/credit-unions/wisconsin/university-of-wisconsin) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Verve, A Credit Union Membership eligibility from Verve, A Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Verve, A Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Kimberly-Clark Corp., Fox River Paper Co., the medical services industry - Association American Consumer Council Verified from [Verve, A Credit Union's membership page](https://verveacu.com/membership.html) . Final membership determination is always made by the credit union. ## Membership rules for Verve, A Credit Union Employers 3 · Associations 4 published paths to membership, last verified August 21, 2026, quoted from Verve, A Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Kimberly Clark Corporation “Membership is also open to employees of Kimberly-Clark Corp.” > [source ↗](https://verveacu.com/membership.html) - Employee of Kimberly Clark Corporation - Employee of Fox River Paper Co. “Membership is also open to employees of Kimberly-Clark Corp., Fox River Paper Co.” > [source ↗](https://verveacu.com/membership.html) - Employee of Fox River Paper Co. - Employee of the medical services industry “Membership is also open to employees of Kimberly-Clark Corp., Fox River Paper Co., the medical services industry” > [source ↗](https://verveacu.com/membership.html) - Employee of the medical services industry ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “or anyone nationwide through American Consumer Council membership (ACC).” > [source ↗](https://verveacu.com/membership.html) - Member of American Consumer Council Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Verve, A Credit Union? Yes No ## Work at Verve, A Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Verve, A Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Verve, A Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=verve-a-credit-union&state=wisconsin&code=WI&name=Verve%2C%20A%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Verve, A Credit Union offer? Verve, A Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Verve, A Credit Union rates updated? RateAPI verifies Verve, A Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Verve, A Credit Union's rate data? Rate data is collected directly from Verve, A Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Verve, A Credit Union's HELOC rate? As of November 11, 2026, Verve, A Credit Union offers home equity lines of credit from 6% APR. ### What is Verve, A Credit Union's best CD rate? As of November 11, 2026, Verve, A Credit Union offers savings and certificate (CD) yields up to 0.05% APY. ### Who can join Verve, A Credit Union? Verve, A Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 3 employers and 1 association for Verve, A Credit Union, each quoted from Verve, A Credit Union's own published membership criteria. ## Related Rate Data Compare Verve, A Credit Union's rates against national credit-union benchmarks. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin mortgage rate leaders](https://rateapi.dev/mortgage-rates/wisconsin) [Wisconsin auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin HELOC rate leaders](https://rateapi.dev/heloc-rates/wisconsin) [Wisconsin personal loan leaders](https://rateapi.dev/personal-loan-rates/wisconsin) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://verveacu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Verve, A Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Verve, A Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /verve-a-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Verve, A Credit Union locations Search, filter, and browse all 20 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/wisconsin/verve-a-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp