Verve, A Credit Union (WI) Has 39-Month CD Special, 3.20% APY


Deal Summary: Share Certificate Specials – 39-month (3.20% APY), 27-month (2.99% APY), and 14-month (2.79% APY), $1k minimum deposit.

Availability: Residents of 21 Wisconsin and two Minnesota counties.

Wisconsin-based Verve, a Credit Union (Verve) is offering a trio of Share Certificate Specials: 39-month (3.20% APY), 27-month (2.99% APY), and 14-month (2.79% APY). Any of these Specials can be opened with a $1k minimum deposit, with no stated balance cap.

3.04%$1k-Verve, a Credit Union39 Month CD Special
2.89%$1k-Verve, a Credit Union27 Month CD Special
2.79%$1k-Verve, a Credit Union14 Month CD Special
Rates as of July 17, 2019.

All three Share Certificate Specials are available as IRAs (Traditional, Roth), earning the same APYs with the same funding requirements.

3.04%$1k-Verve, a Credit Union39 Month IRA Special (Traditional, Roth)
2.89%$1k-Verve, a Credit Union27 Month IRA Special (Traditional, Roth)
2.79%$1k-Verve, a Credit Union14 Month IRA Special (Traditional, Roth)
Rates as of July 17, 2019.

As stated in the Truth-In-Savings disclosure, the Early Withdrawal Penalty reads as follows:

For Share Certificate and IRA Certificate, the amount of the early withdrawal penalty
for your account is one half of the dividends earned during the term of your account.


Headquartered in Oshkosh, Wisconsin, Verve’s field of membership (FOM) is primarily residency-based, with individuals who live, work, or worship in any of the following counties eligible to join.

Minnesota counties – Houston or Winona.

Wisconsin counties – Brown, Buffalo, Calumet, Dodge, Fond du Lac, Green Lake, Jackson, La Crosse, Manitowoc, Milwaukee, Monroe, Outagamie, Ozaukee, Portage, Sheboygan, Trempealeau, Vernon, Washington, Waupaca, Waushara, or Winnebago.

Employees of Kimberly Clarke or Neemah Paper also qualify for membership, as do immediate family members of current Verve members.

Joining Verve can be done online, or at any of the 17 Wisconsin branches located in Appleton, Brillion, Fond du Lac (2), Homen (2), La Crosse (2), Neenah (3), Onalaska, Oshkosh (3), Sherwood, and Two Rivers.

A minimum $5 deposit in a Member Savings Account is required to establish a new membership.

While existing members can open a Share Certificate Special through Verve’s online banking platform, new members need to either visit any of the above-mentioned branches or call 800.448.9228.

Credit Union Overview

Verve, a Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.96% (excellent) based on December 31, 2018 data. In the past year, Verve has increased its total non-brokered deposits by $26.68 million, an excellent annual growth rate of 3.85%. Please refer to our financial overview of Verve, a Credit Union (NCUA Charter # 66777) for more details.

In 1937, seven Wisconsin Axle employees each contributed $1.25 and the Wisconsin Axle Credit Union was established. A new community-based charter was adopted in 1981 and the residents of Oshkosh were eligible to join Wisconsin Axle CU. As growth continued, a new name was needed “to reflect the credit union’s new reach and direction,” and in 1994, CitizensFirst Credit Union made its debut. A 2015 press release announced that,

As part of a comprehensive rebranding initiative, CitizensFirst Credit Union will adopt the name Verve, a Credit Union, which was approved by its Board of Directors.

Kevin J. Ralofsky, President and CEO of CitizensFirst, says Verve captures the unique personality of the credit union. “Our research was showing name confusion with other area financials, so we knew it was time to choose one to reflect the passionate, innovative work that sets us apart. We believe this new name speaks to our commitment to serving the community and our members. Our groundbreaking merger with Lakeview and Best Advantage created the perfect opportunity to rebrand, and we now move forward with a name that stands for the enthusiasm, energy, passion and drive that we put to work every day along with a pursuit to improve technologies to support our services.”

Verve is currently Wisconsin’s 13th largest credit union, with nearly 60,000 members and assets in excess of $927 million.

How the Share Certificate Specials Compare

When compared to 250 similar length-of-term CDs tracked by, which require a minimum deposit of $10k or less and are available within the FOM, Verve's 39-month Share Certificate Special APY currently ranks first.

When compared to 265 similar length-of-term CDs tracked by, which require a minimum deposit of $10k or less and are available within the FOM, Verve's 27-month Share Certificate Special APY currently ranks fourth.

The above rates are accurate as of 5/8/2019.

Looking for the best CD rates, either nationwide and in your state? Please refer to our CD Rates Table page.

Related Pages: Green Bay CD rates, La Crosse CD rates, 1-year CD rates, 5-year CD rates


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