Verve, A Credit Union rates: up to 4.60% APY
credit union · NCUA CHARTER 66777 · www.verveacu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Essential Savings Non-Qualified | $0.00 · rates dated 13 Jan 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Essential Savings Qualified | $0.00 · rates dated 13 Jan 2026 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $100.00 – $2,499.99 · rates dated 13 Jan 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $2,500.00 – $9,999.99 · rates dated 13 Jan 2026 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $10,000.00 – $24,999.99 · rates dated 13 Jan 2026 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $25,000.00+ · rates dated 13 Jan 2026 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Non-Qualified | $500.00+ · rates dated 13 Jan 2026 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Qualified | $500.00+ · rates dated 13 Jan 2026 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100 · rates dated 13 Jan 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Add-On Certificate 12-month | 1 year · rates dated 13 Jan 2026 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year Share Certificate | 12-month | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 13-Month Share Certificate | 13-month · rates dated 13 Jan 2026 | 4.60% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 18-Month Share Certificate | 18-month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year Share Certificate | 24-month | 2.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Money Market | $100.00–$1,999.99 · rates dated 13 Jan 2026 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market | $2,000.00–$19,999.99 · rates dated 13 Jan 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market | $20,000.00+ · rates dated 13 Jan 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $5,000.00–$9,999.99 · rates dated 13 Jan 2026 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $10,000.00–$19,999.99 · rates dated 13 Jan 2026 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $20,000.00–$39,999.99 · rates dated 13 Jan 2026 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $40,000.00–$74,999.99 · rates dated 13 Jan 2026 | 1.49% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $75,000.00–$124,999.99 · rates dated 13 Jan 2026 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $125,000.00–$199,999.99 · rates dated 13 Jan 2026 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Non-Qualified | $200,000.00+ · rates dated 13 Jan 2026 | 2.24% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $5,000.00–$9,999.99 · rates dated 13 Jan 2026 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $10,000.00–$19,999.99 · rates dated 13 Jan 2026 | 0.99% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $20,000.00–$39,999.99 · rates dated 13 Jan 2026 | 1.49% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $40,000.00–$74,999.99 · rates dated 13 Jan 2026 | 2.24% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $75,000.00–$124,999.99 · rates dated 13 Jan 2026 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $125,000.00–$199,999.99 · rates dated 13 Jan 2026 | 2.99% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Money Market Qualified | $200,000.00+ · rates dated 13 Jan 2026 | 3.24% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Optimum Checking Non-Qualified | $0.00 · rates dated 13 Jan 2026 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Optimum Checking Qualified | $0.01–$10,000.00 · rates dated 13 Jan 2026 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Checking Non-Qualified | $0.00 · rates dated 13 Jan 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Checking Qualified | $0.00 · rates dated 13 Jan 2026 | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.verveacu.com/savings.html | — | stale-page | |
| www.verveacu.com/certificates.html | 2026-11-01 19:53 UTC | ok | a7def761987c |
| www.verveacu.com/rates.html | 2026-11-01 19:53 UTC | ok | efa89aa73a1f |