Rates

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Verve Optimum Checking Rates

Optimum Checking Qualified Rates

Comparison table of Optimum Checking Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.01–$10,000.00	2.47%	2.50%
$10,000.01+	0.25%	2.50% - 0.48%

Optimum Checking Non-Qualified Rates

Comparison table of Optimum Checking Non-Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.00	0.25%	0.25%

APY – Annual Percentage Yield APYs are accurate as of January 13, 2026. For all Optimum Accounts, the dividend rate/APY is variable and subject to change at the Credit Union’s discretion. Dividends are compounded and paid monthly. Fees could reduce earnings. 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. Membership eligibility required. Insured by NCUA.

Qualify your checking account for higher dividend rates/APYs with 1) monthly ACH direct deposits in checking totaling at least $1,000, 2) valid email address, and 3) enroll in and receive eStatements. When qualifications are met, checking balances of $0.01 to $10,000 will earn 2.50% APY and checking balances are over $10,000 will earn 0.48% - APY. In addition, when qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 per ATM transaction, with a $15.00 maximum credit to your account. When qualifications are not met, checking balances will be paid 0.25% APY and ATM refunds will not apply. Waive the $15.00 monthly service fee with $10,000 combined deposit account (savings, money market, and checking balances; does not include Share Certificate balances) average daily balance or as a Verve credit card holder. Limit one Verve Optimum Checking account per Social Security Number.

Verve Optimum Checking

Verve Premier Checking Rates

Premier Checking Qualified Rates

Comparison table of Premier Checking Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.00	0.25%	0.25%

Premier Checking Non-Qualified Rates

Comparison table of Premier Checking Non-Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.00	0.10%	0.10%

APY – Annual Percentage Yield. APYs are accurate as of January 13, 2026. For all Premier Accounts, the dividend rate/APY is variable and subject to change at the Credit Union’s discretion. Dividends are compounded and paid monthly. Fees could reduce earnings. 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. Membership eligibility required. Insured by NCUA.

Qualify your checking account for higher dividend rates/APYs with 1) monthly ACH direct deposits in checking totaling at least $500, 2) valid email address, and 3) enroll in and receive eStatements. When qualifications are met all checking balances will earn 0.25% APY. In addition, when qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 per ATM transaction, with a $10.00 maximum credit to your account. When qualifications are not met, all checking balances will be paid 0.10% APY and ATM refunds will not apply. Waive the $5.00 monthly service fee with $2,000 combined deposit account (savings, money market, and checking balances; does not include Share Certificate balances) average daily balance or as a Verve credit card holder.

Verve Premier Checking

Verve Optimum Money Market Rates

Optimum Money Market Qualified Rates

Comparison table of Optimum Money Market Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$5,000.00–$9,999.99	0.75%	0.75%
$10,000.00–$19,999.99	0.99%	0.99%
$20,000.00–$39,999.99	1.48%	1.49%
$40,000.00–$74,999.99	2.22%	2.24%
$75,000.00–$124,999.99	2.71%	2.75%
$125,000.00–$199,999.99	2.95%	2.99%
$200,000.00+	3.19%	3.24%

Optimum Money Market Non-Qualified Rates

Comparison table of Optimum Money Market Non-Qualified Rates
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	1.48%	1.49%
$75,000.00–$124,999.99	1.73%	1.75%
$125,000.00–$199,999.99	1.98%	2.00%
$200,000.00+	2.22%	2.24%

Optimum Money Market

Verve Premier Savings Rates

Premier Savings Qualified Rates

Comparison table of Premier Savings Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$500.00+	0.50%	0.50%

Premier Savings Non-Qualified Rates

Comparison table of Premier Savings Non-Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$500.00+	0.20%	0.20%

Verve Premier Savings

Verve Essential Savings Rates

Essential Savings Qualified Rates

Comparison table of Essential Savings Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.00	0.30%	0.30%

Essential Savings Non-Qualified Rates

Comparison table of Essential Savings Non-Qualified Rates
Account Balance	Dividend Rate %	APY % ^*
$0.00	0.10%	0.10%

APY is accurate as of January 13, 2026. For Verve Essential Savings, the dividend rate/APY is variable and subject to change at the Credit Union's discretion. Dividends are compounded and paid monthly. Fees could reduce earnings. 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. Membership eligibility required. Insured by NCUA.

Qualify your Essential Savings account for higher dividend rates/APYs with 1) monthly ACH direct deposits in checking totaling at least $250, 2) valid email address, and 3) enroll in and receive eStatements. When qualifications are met daily savings balances will earn 0.30% APY. When qualifications are not met, daily savings balances will be paid 0.10% APY. No minimum balance to earn dividends. No monthly service fee.

Verve Essential Savings

Name Your Savings Rates

Comparison table of Name Your Savings Rates
Account Balance	Dividend Rate %	APY % ^*
$100	0.10%	0.10%

Name Your Savings

Pick Your Payout Rates

Comparison table of Pick Your Payout Rates
Account	Dividend Rate %	APY % ^*
$100	0.15%	0.15%

Pick Your Payout

Share/IRA Certificate Rates

Comparison table of Share/IRA Certificate Rates
Term	Dividend Rate %	APY % ^*
12-month	2.23%	2.25%
13-month	4.02%	4.10%
18-month	2.47%	2.50%
24-month	2.72%	2.75%
Add-On Certificate 12-month	0.20%	0.20%

Share Certificates

Health Savings Account (HSA) Rates

Comparison table of Health Savings Account (HSA) Rates
Account Balance	Dividend Rate %	APY % ^*
$100.00 – $2,499.99	0.15%	0.15%
$2,500.00 – $9,999.99	0.30%	0.30%
$10,000.00 – $24,999.99	0.40%	0.40%
$25,000.00+	0.45%	0.45%

Health Savings Accounts

IRA Money Market Rates

Comparison table of IRA Money Market Rates
Account Balance	Dividend Rate %	APY % ^*
$100.00–$1,999.99	0.05%	0.05%
$2,000.00–$19,999.99	0.10%	0.10%
$20,000.00+	0.15%	0.15%

Individual Retirement Accounts

Business Checking with Interest Rates

Comparison table of Business Checking with Interest Rates
Tier/Term	Dividend Rate %	APY % ^*
$2,000.00–$24,999.99	0.15%	0.15%
$25,000.00–$49,999.99	0.25%	0.25%
$50,000.00+	0.40%	0.40%

Business Checking with Interest

Business Savings Rates

Comparison table of Business Savings Rates
Account Balance	Dividend Rate %	APY % ^*
$100	0.10%	0.10%

Business Savings

Business Money Market Rates

Comparison table of Business Money Market Rates
Account Balance	Dividend Rate %	APY % ^*
$2,500.00–$24,999.99	1.20%	1.21%
$25,000.00 – $74,999.99	1.25%	1.26%
$75,000.00 – $249,999.99	1.45%	1.46%
$250,000.00 – $499,999.99	1.55%	1.56%
$500,000.00 – $949,999.99	1.85%	1.87%
$950,000.00 – $1,999,999.99	2.22%	2.24%
$2,000,000.00+	2.22%	2.24%

Business Savings

Auto Loan Rates, Includes Titled Vehicles

Comparison table of Auto Loan Rates, Includes Titled Vehicles
Term	As Low As Interest Rate %	As Low As APR % ^*
36-month	4.49%	4.68%
48-month	4.49%	4.64%
60-month	4.49%	4.61%
72-month	4.49%	4.59%
84-month	5.49%	5.55%

*APR - Annual Percentage Rate. APR will reflect a one-time $59 loan processing fee for funded loans. Loans with 36 -72 month term for $20,000 loan amount, LTV ≤80%, and credit score ≥725. (72-month term does have a $15,000 minimum loan amount). Loan with 84-month term for $30,000 loan amount, LTV ≤80%, and credit score ≥725. (84-month term does have a $30,000 minimum loan amount). All as low as APRs require an active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. No payments for 90 days offer applies to car, truck, boat, ATV, motorcycle, snowmobile, or camper loans. Interest will accrue with the 90 Day No Pay Loan. The first scheduled payment may not cover the accrued interest from 90 days of no payments. Loan rates, terms, and conditions, based on credit qualifications, account relationship, and approval. Rates, terms, and conditions are subject to change. Purchases or an existing loan at another financial are eligible for this offer. $5,000 new money required on existing vehicle loans with Verve, a Credit Union. Offer may expire without notice. Cannot be combined with other offers. A floor rate for this offer exists. Please contact us to see if your loan qualifies. Membership eligibility required. Insured by NCUA.

Auto Loans

Recreational Loans Titled

Comparison table of Recreational Loans Titled
Term	As Low As Interest Rate %	As Low As APR % ^*
36-month	4.49%	4.68%
48-month	4.49%	4.64%
60-month	4.49%	4.61%
72-month	4.49%	4.59%
84-month	5.49%	5.55%

Recreational Loans

Recreational Loans Non-Titled

Comparison table of Recreational Loans Non-Titled
Term	As Low As Interest Rate %	As Low As APR % ^*
36-month	4.74%	4.93%
48-month	5.24%	5.39%
60-month	5.24%	5.36%
72-month	5.99%	6.09%
84-month	6.49%	6.55%

*APR - Annual Percentage Rate. APR will reflect a one-time $59 loan processing fee for funded loans. Loans with 36 -60 month term for $20,000 loan amount, LTV ≤80%, and credit score ≥725. Loan with 72-month term for $20,000 loan amount, LTV ≤80%, and credit score ≥780. (72-month term does have a $15,000 minimum loan amount).Loan with 84-month term for $30,000 loan amount, LTV ≤80%, and credit score ≥780.(84-month term does have a $30,000 minimum loan amount). All as low as APRs require an active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. No payments for 90 days offer applies to car, truck, boat, ATV, motorcycle, snowmobile, or camper loans. Interest will accrue with the 90 Day No Pay Loan. The first scheduled payment may not cover the accrued interest from 90 days of no payments. Loan rates, terms, and conditions, based on credit qualifications, account relationship, and approval. Rates, terms, and conditions are subject to change. Purchases or an existing loan at another financial are eligible for this offer. $5,000 new money required on existing vehicle loans with Verve, a Credit Union. Offer may expire without notice. Cannot be combined with other offers. A floor rate for this offer exists. Please contact us to see if your loan qualifies. Membership eligibility required. Insured by NCUA.

Recreational Loans

Unsecured Signature Loans

Comparison table of Unsecured Signature Loans
Term	As Low As Interest Rate %	As Low As APR % ^*
≤ 24 months	8.49%	8.88%
25-48 months	9.49%	9.70%
49-60 months	10.99%	11.16%
72 months	11.99%	12.14%

Personal Signature Loans

Kwik Cash Personal Line of Credit

Available APRs*

12.15% | 13.15% | 15.15% | 17.15% | 19.15% |21.15% |23.15%

*APR – Annual Percentage Rate. Fixed loan rates, terms and conditions based on credit qualifications, account relationship and are subject to change. Minimum payment requirement is 3% of the outstanding balance, subject to a minimum of $18.00. No annual fee. Membership eligibility required.

Overdraft Protection - Transfer Fee of $10.00 per transfer will be charged to your checking account for each overdraft. Overdraft advances shall be in increments of $50.00.

Kwik Cash

Adjustable Rate Mortgage (ARM)

Comparison table of Adjustable Rate Mortgage (ARM)
Initial Fixed Rate Period	Rate %	APR % ^*	Monthly Payment ¹
3 years	5.38%	5.62%	$1,120
5 years	5.50%	5.63%	$1,136
7 years	5.75%	5.74%	$1,167
10 years	5.88%	5.84%	$1,183

ARM=Adjustable Rate Mortgage. APR=Annual Percentage Rate. NMLS ID #789540. Rates are effective as of February 19, 2026. All rates, terms, and conditions may change without notice and published rates do not constitute a loan offer. Individual rates and terms may vary based on account relationship, loan amount, down payment, creditworthiness, loan-to-value, purpose of loan and property type. All loans are subject to approval and eligibility. To qualify for mortgage products, you must meet membership eligibility requirements and qualifications. Upon approval, you must establish membership by opening a Verve Ownership Savings account with a minimum $5 pledge deposit.

1 – Monthly payment based on a single family, owner occupied, 680+ credit score, assuming a purchase price of $250,000, with 20% down (avoiding Private Mortgage Insurance), loan amount of $200,000 and a 30-year amortization. Monthly payment examples quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.

2- Adjustable Rate Mortgages (ARM) are variable rate, and the interest rate/APR can change yearly after the initial fixed rate period. For example, the interest rate on a 3/1 ARM is fixed for 3 years; 5/1 ARM is fixed for 5 years; 7/1 ARM is fixed for 7 years; and a 10/1 ARM is fixed for 10 years. Thereafter, the rate is subject to change yearly. The interest rate will be determined by adding the Index of the 1-Year Treasury Bill Constant Maturities to a Margin as low as 2.25%. The adjustment is dependent on the ARM product chosen and additional qualifications. After the initial term of 3 years, 5 years, 7 years or 10 years the interest rate can change annually and is subject to the following caps for all ARM products: First-rate adjustment cap is +/- 2%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%.

3 – Important Notice to Servicemembers and Their Dependents: A refinance may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about refinancing, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term. Membership Eligibility Required. Insured by NCUA. Equal Housing Opportunity.

Adjustable Rate Mortgages