Verve, A Credit Union

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A short history of Verve, A CU

Since its inception in 1938 the Verve, A Credit Union has been serving its members in the OSHKOSH, Wisconsin area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kevin Ralofsky, the Verve, A CU has grown its membership to over 56,991 with assets of more than $840,447,371. They have a main office and 17 branch offices. Please see the credit unions website or contact them by phone at (920) 236-7040 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in OSHKOSH, WI.

General Information For Verve, A CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66777
Address PO BOX 3046 
State Wisconsin 
Zip-Code 54903
Phone Number (920) 236-7040
Fax Number (920) 236-7985
Email Address:
CEO/President Kevin Ralofsky
Members 56,991 
Full-Time Employees 232 
Part-Time Employees
Number of Branch Offices 17 
Total Assets 840,447,371 

Compare Verve, A Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Oshkosh Community CU Oshkosh Community Credit Union 250 Pearl Ave 54901 (920) 233-1952 No 0.54
Oshkosh Postal Employees CU Credit Union 1012 W 20th Ave 54902 (920) 233-3117 No 2.25
Oshkosh Truck CU Main Office 2772 Oregon St 54902 (920) 233-2611 No 2.65
Health Care CU Main Location 429 N Sawyer St 54903 (920) 233-1140 No 3.03
Winnebago Community CU Snell 567 E Snell Rd 54901 (920) 233-9096 No 3.09

Verve, A Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Verve, A Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.66 3.28 4.56 3.33 4.10
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 313 179 272 52 113
Rank Among All Wisconsin Credit Unions 27 38 48 9 20

Verve, A Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.25 0.80 0.80
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 105 207 184
Rank Among All Wisconsin Credit Unions N/A 14 23 24 18
Verve, A Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.66011,68229,075,368
All Other Unsecured Loans/Lines of Credit 12.4708,82115,715,917
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.28089415,966,086
Used Vehicle Loans 4.56012,289138,837,726
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.3303,950446,512,629
Total Other Real Estate Loans/Lines of Credit 4.1002,12639,697,570
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.3404,79967,287,083
TOTAL LOANS & LEASES 44,561753,092,379

Verve, A Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 13011,829,6032222,500
    b. 15 Years or less 1,21268,859,393817,378,730
    a. > 15 years 85194,220,90714119,641,285
    b. 15 Years or less 1,322255,610,35011736,058,408
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 43515,992,376114,519
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 56511,607,695621,561,814
Closed-End Adjustable Rate 951,998,5233129,000
Open-End Adjustable Rate 1,46626,091,352891,679,729
Open-End Fixed Rate 0000
TOTALS 6,076486,210,19949666,685,985


Interest Only & Payment Option 1st Mortgage Loans 3068,671,30314,519
Interest Only & Payment Option Other RE/LOC Loans 94618,346,9761,679,729
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Verve, A Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes