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Earn Up to 3.24% APY* with No Monthly Fees or Withdrawal Limits
Put your savings to work with a $5,000 minimum daily balance and start earning higher dividends—while still keeping your money accessible when you need it.
Qualifying for the Best Savings Perks is a Breeze
ACH direct deposits totaling at least $1,000 monthly into a Verve Optimum Checking account
Enroll in and receive eStatements for this account
Have a valid email address on file for this account
GET THE FULL VERVE OPTIMUM BUNDLE
Enjoy Better Rates + Earn Higher Dividends
For maximum benefits, bundle an Optimum Money Market account + an Optimum Checking account + the Verve Optimum World Mastercard®.
Optimum Money Market Rates
Qualified: 0.75% to 3.24% APY*
Non-qualified: 0.50% to 2.24% APY*
Optimum Checking Rates
Qualified: 2.50% to 0.48% APY*
balances up to $10,000 – 2.50% APY* and
balances over $10,000 – 2.50%to 0.48% APY*
Non-qualified: 0.25% APY*
Verve Optimum Money Market Rates
Bundled
with a qualifying Verve Optimum Checking account
| 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% |
Non-Bundled
OR bundled with a non-qualifying Verve Optimum Checking account
| 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% |
More Bundle Info:
- Earn a higher than standard savings rate when you bundle Verve Optimum Money Market with Verve Optimum Checking
- Earn a higher than standard checking rate with a qualifying Verve Optimum Checking account
- Add any Verve credit card and we’ll waive the monthly service fee on your Verve Optimum Checking account
Get the details about the best checking account to pair with your Optimum Money Market account.
Apply today for the credit card that gets you 2% cash back* and the best perks for your Optimum Bundle.
Explore financial tips, tools, and lessons that fit your journey with Verve's FREE Financial Resource Center
Savings Goals Tool
See how your monthly contributions and expected interest impact your future balance.
Savings Accounts
Learn how to save money and the options available to help your savings grow.
Creating a Budget
Learn strategies, tips, and tools to stick to your budget and achieve your financial goals.
Digital
Banking
Explore how to use online and mobile banking securely and effectively.
FEATURES + BENEFITS
Digital 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.
Verve Round Up
Add a few cents to your savings with every debit card purchase with Verve Round Up.
Savings Calculator
We love helping our members any way we can, so we’ve added this handy tool to help you plan ahead and make a savings strategy you can stick with.
Verve Expert Tips
Tip 1:
Tiered dividend rates reward members who keep $5,000+ in savings, helping money grow faster than a basic savings account.
Tip 2:
Pairing the Optimum Money Market with a qualifying Optimum Checking account unlocks higher dividend tiers and maximizes earnings up to 3.24% APY*.
Tip 3:
Enjoy liquidity and flexibility with unlimited withdrawals, ideal for emergency funds or near‑term goals.
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The Legal Stuff
Verve Optimum Money Market
Verve Optimum Checking
Verve Optimum World Mastercard®