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Savings Account

Verve Optimum Money Market

High earning potential and no service fees for optimum convenience.

  • Dividend payment requires a minimum daily balance of $5,000
  • Higher dividend requires bundled qualified Verve Optimum Checking
  • No withdrawal limitation

Manage your money with Verve Optimum Money Market.

Online Banking

Easily view and manage your accounts from your computer, tablet, or phone.

Alerts

Stay updated on your account activity with notifications throughout the day.

Round Up

Add a few cents to your savings with every debit card purchase with Verve Round Up.

QUALIFY + THEN BUNDLE to maximize your earning potential.

  1. Earn a higher checking rate with a QUALIFYING Verve Optimum Checking account.
  2. Earn a higher savings rate when you BUNDLE Verve Optimum Savings with Verve Optimum Checking.

Verve Optimum Checking

0.25% APY

√ with NON-QUALIFYING Verve Optimum Checking

Verve Optimum Checking

2.50% APY

√ with QUALIFYING Verve Optimum Checking balances up to $10,000


2.50% APY to 0.48%

√ with QUALIFYING Verve Optimum Checking balances over $10,000

Verve Optimum Money Market

Account Balance Dividend Rate APY
$5,000.00 – $9,999.99 0.50% 0.50%
$10,000.00 – $19,999.99 0.75% 0.75%
$20,000.00 – $39,999.99 1.00% 1.00%
$40,000.00 – $74,999.99 1.73% 1.75%
$75,000.00 – $124,999.99 1.98% 2.00%
$125,000.00 - $199,999.99 2.23% 2.25%
$200,000.00+ 2.47% 2.50%

    √ when NON-BUNDLED or when BUNDLED with NON-QUALIFYING Verve Optimum Checking

Account Balance Dividend Rate APY
$5,000.00 – $9,999.99 1.00% 1.00%
$10,000.00 – $19,999.99 1.24% 1.25%
$20,000.00 – $39,999.99 1.73% 1.75%
$40,000.00 – $74,999.99 2.47% 2.50%
$75,000.00 – $124,999.99 2.96% 3.00%
$125,000.00 - $199,999.99 3.20% 3.25%
$200,000.00+ 3.44% 3.50%

    √ when BUNDLED with QUALIFYING Verve Optimum Checking

Just meet these three qualifiers:

  1. Monthly ACH direct deposits totaling $1,000.
  2. Valid email address on file.
  3. Enrolled in and receive eStatements.

Get the full Verve Optimum Bundle!

It’s as easy as 1-2-3.

• Verve Optimum Checking
• Verve Optimum Money Market
• Verve Optimum World Mastercard®

By adding a Verve Optimum World Mastercard®, you’ll have a solid foundation on which to manage your money, pay for life’s necessities, and save for the future. Add any Verve credit card and we’ll waive the monthly service fee on your Verve Optimum Checking account    

Bundle + Save

Verve Optimum Checking

Verve Optimum World Mastercard®

Verve Optimum Money Market

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Disclosure Information

APY=Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. If qualifications are met each monthly qualification cycle for Verve Optimum Checking, Verve Optimum Money Market will pay a higher tiered dividend rate.  If qualifications are not met each monthly qualification cycle for Verve Optimum Checking, a lower tiered dividend rate will apply.  Please request a rate sheet for tiers and rates. Minimum balance to earn dividends is $5,000.00.  Fees could reduce earnings on the account. Membership eligibility required. Federally insured by NCUA.

APY=Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. “Qualification cycle” is equal to one calendar month or first day of the current statement cycle through the last day of the current statement cycle. Qualifications for higher dividend rate and ATM fee refund are 1) ACH direct deposits totaling at least $1,000.00, 2) a valid email address, and 3) enrollment and receive e-statements through online banking.  Transfers between accounts do not count as a direct deposit. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15.00 maximum credit to the account on or about the 5th day of the next month; and daily balances up to $10,000.00 will earn 2.50% APY; and daily balances of $10,000.01 and greater will earn 0.25% APY, resulting in a range of 2.50% APY to 0.48% APY depending on daily balance in your account.. If qualifications are not met, all balances will earn 0.25% APY. Minimum balance to avoid a $15.00 monthly Service Fee is $10,000.00 combined deposit account average daily balance or a current Verve Credit Card holder. Fees could reduce earnings on the account. Limit one Verve Optimum Checking account per Social Security Number. Membership eligibility required. Federally insured by NCUA.