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Verve, A Credit Union

Overview
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Verve, A Credit Union is a federally insured state credit union based in Oshkosh, Wisconsin. It has been opened since 1938, for 82 years.

With around $924,370,000 in assets, Verve, A Credit Union is considered to be a very large credit union. It has 16 branches and 18 ATM locations.

About
Address Po Box 3046
Oshkosh, Wisconsin 54903
Website https://www.Verveacu.com
Phone (920) 236-7040
Fax (920) 236-7985
CEO Kevin J. Ralofsky
President of the Board Victoria Beltran
Services Offered
Map
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Score Card
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82 years
Years in business
Opened in 1938
Well Capitalized
Net worth classification
Source: NCUA
59,465 members
Membership type: State chartered natural person credit union
Above average number of members
240:1
Credit union member to staff ratio
240 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$924,370,890
Total assets
Above average
16 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
12.85%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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16 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
Verve, A Credit Union Branch Locations

Verve, A. Credit Union: Universal
2900 Universal Street
Oshkosh, Wisconsin 54904
ATM Available
Verve, A. Credit Union: Murdock
215 W. Murdock Avenue
Oshkosh, Wisconsin 54901
ATM Available
Verve, A. Credit Union: Two Rivers
1516 19th Street
Two Rivers, Wisconsin 54241
No ATM
Verve, A. Credit Union: Fond Du Lac - West
740 W. Johnson Street
Fond DU Lac, Wisconsin 54935
ATM Available
Verve, A. Credit Union: Holmen
110 Hale Drive
Holmen, Wisconsin 54636
ATM Available
Verve, A. Credit Union: Lacrosse - South
3130 South Avenue
La Crosse, Wisconsin 54601
ATM Available
Verve, A. Credit Union: Sherwood
W585 Castle Drive
Sherwood, Wisconsin 54169
ATM Available
Verve, A. Credit Union: Lacrosse - Main
311 Main Street
La Crosse, Wisconsin 54601
ATM Available
Verve, A. Credit Union: Fond Du Lac - East
1045 E. Johnson Street
Fond DU Lac, Wisconsin 54935
ATM Available
Verve, A. Credit Union: Onalaska
943 12th Avenue S.
Onalaska, Wisconsin 54650
ATM Available
Verve, A. Credit Union: Witzel Avenue
750 Witzel Avenue
Oshkosh, Wisconsin 54902
ATM Available
Verve, A. Credit Union: Oneida
1435 Oneida Street
Appleton, Wisconsin 54915
ATM Available
Verve, A. Credit Union: Brillion
125 Jackson Street
Brillion, Wisconsin 54110
ATM Available
Verve, A. Credit Union: Bell Street
110 W. Bell Street
Neenah, Wisconsin 54956
ATM Available
Verve, A. Credit Union: Green Bay Road
640 S. Green Bay Road
Neenah, Wisconsin 54956
ATM Available
Members
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59,465 members
Membership type: State chartered natural person credit union
Above average number of members

With 59,465 members, the Verve, A Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 92% of credit unions.

Fees
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$95
Average fee per member
The average fee per member at the Verve, A Credit Union is $95, which is very high compared to most credit unions. This rate is higher than 82% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Verve, A Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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240:1
Credit union member to staff ratio
240 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
248 staff members
FTE (full-time equivalent)
8% of employees are part-time
238 full-time, 20 part-time

Verve, A Credit Union has 238 full-time staff members and 20 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 92% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Verve, A Credit Union has around 240 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$924,370,890
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$17,660
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 87% of credit unions.

Verve, A Credit Union holds a total of $806,720,000 in loans and leases, which is about $17,660 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Verve, A Credit Union pays 0.10%.

Loan rates
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12.85%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.47%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.60%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.57%
New car loan rate
Compared to 4.0% nationally
5.07%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.13%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.77%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally