Verve Credit Union La Crosse WI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Verve, A Credit Union, your trusted financial partner located at 3130 South Ave, La Crosse, WI 54601. Since our establishment in 1938, we have proudly served our community with a commitment to helping members achieve their financial goals. With over 61,000 members and assets totaling an impressive $1.57 billion, we are dedicated to providing reliable banking services that cater to your needs. At Verve, we're not just about numbers; we're about people. Our team of 267 employees works tirelessly under the leadership of CEO Kevin Ralofsky and Board President Victoria Beltran to ensure you receive the best possible service. Whether you're looking for personal banking options like checking and savings accounts, or you're interested in auto loans and mortgages, we're here for you every step of the way. While members can visit us at our branch location, official correspondence should be sent to PO Box 3046, Oshkosh, WI 54903-3046. We invite you to reach out via phone at 920-236-7040 or explore our website at verveacu.com for more information on how we can assist you. Join us today and experience the Verve difference a place where your financial well-being is our top priority!

Branch History & Mission

Community Impact

We take pride in being more than just a credit union; we strive to be an active participant in the La Crosse community. Through various outreach programs and partnerships with local organizations, we work tirelessly to improve the lives of those around us. Whether it's sponsoring local events or providing financial literacy workshops, our goal is always to uplift our neighbors. As technology advances, so do we! Verve offers online banking options and mobile payments for those who prefer digital solutions. We are committed to staying current with industry standards while ensuring ADA compliance so all members can access our services comfortably.

Join Us!

We invite you to experience the benefits of membership at Verve, A Credit Union. With our focus on personalized service and community support, you'll find more than just a bank you'll discover a partner in your financial journey. Explore what we have to offer by visiting our website or give us a call at 920-236-7040 today! Together, let's build a brighter future for you and our community.

Our Evolution

Since opening our doors, Verve has grown significantly, both in membership and assets. Today, we boast total assets of over $1.56 billion, allowing us to provide comprehensive financial services that meet the diverse needs of our community. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we are here to help you achieve your financial goals. Our branch is not just a place for transactions; it's a space where relationships are built. We understand the importance of accessibility, which is why we offer drive-thru banking and ATMs for your convenience. Whether you need to make a quick deposit or withdraw cash on the go, we're here to make your banking experience easy and efficient.

Our Mission Statement

At Verve, our mission is simple yet powerful: to empower our members through exceptional service and support while fostering a strong sense of community. We believe that everyone deserves access to quality financial resources without barriers. This commitment drives us to provide not only competitive products but also essential educational resources that guide our members toward informed financial decisions. While members can visit us at 3130 South Ave, official correspondence should be sent to PO Box 3046, Oshkosh, WI 54903-3046. Our team is dedicated to ensuring that every member feels valued and supported in their journey with us.

Branch Location & Accessibility

Access and Amenities

At our La Crosse branch, we prioritize accessibility for all members. You'll find ample parking available right outside the entrance, as well as ADA-compliant features such as ramps to ensure everyone can visit us comfortably. Whether you prefer to step inside or utilize our drive-thru service for quick transactions, we have options that fit your lifestyle.

Join Us Today!

We invite you to come by and see how Verve can help you achieve your financial dreams. Whether you're looking to open an account or simply explore your options, we're here to guide you every step of the way. Visit us soon and experience the difference that community-focused banking can make!

Operating Hours and Services

We're here for you during our operating hours of 5-Sep, providing a range of services tailored to meet your financial goals. From personal banking accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you. Need cash? We have an ATM on-site for your convenience. If you require assistance after hours or want more information about our services, feel free to call us at 920-236-7040. While members can visit us at 3130 South Ave for all their banking needs, please note that official correspondence should be sent to our mailing address: PO Box 3046, Oshkosh, WI 54903-3046.

Member Eligibility

At Verve, A Credit Union, we believe that everyone deserves a chance to be part of a supportive community that puts your financial well-being first. Becoming a member is easy and welcoming! If you live or work in the areas we serve, or if you're related to an existing member, you're likely eligible to join us. We strive to ensure that our membership is inclusive and diverse, offering you access to a range of financial products and services designed to meet your needs. For detailed eligibility criteria, feel free to check out our resource at this link. Once you're ready to take the next step, opening an account with Verve is straightforward. You can start your journey by visiting our account opening page or simply give us a call at (920) 236-7040 for assistance. Our friendly team is here to help you make the most of your membership at our branch located at 3130 South Ave La Crosse Wi 54601. Join us today and experience the benefits of being part of the Verve family!

Business Banking & Commercial Services

At Verve, A Credit Union, we understand that growing a business takes more than just a great idea; it requires the right financial support. Whether you're launching a startup or expanding an existing operation, our business banking and commercial services are designed to help you thrive. Imagine having access to flexible financing that empowers you to invest in new equipment, hire additional staff, or even open a new location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $656 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $89 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $288,273,343, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer robust merchant services tailored to your needs. From easy payment processing to cash management solutions, we ensure your transactions are smooth and efficient. This allows you to focus on what matters most growing your business. Join us at 3130 South Ave La Crosse Wi 54601 in La Crosse, WI, and discover how Verve, A Credit Union can be your partner in success. Reach out at (920) 236-7040 today!

Comprehensive List Of Services

Business Banking

We haven't forgotten about local businesses! Our Business Banking services include essential tools like Merchant Services & Business Loans to help entrepreneurs thrive. From accepting payments to securing funding for growth, we're committed to supporting business success in La Crosse.

Connect With Us

At Verve, A Credit Union, we prioritize member satisfaction and are always here to assist you with any questions or needs. Reach out by calling us at 920-236-7040, or visit us online at verveacu.com for more information on how we can serve you better. Join us today and experience the difference in personalized service and community commitment that Verve offers!

Digital Access and Convenience

In today's world, convenience is key. That's why we offer robust Online & Mobile Banking features. Check balances, transfer funds, and manage accounts from anywhere using our user-friendly app or website because banking should fit into your busy life. You can also take advantage of our ATM & Cash Withdrawal Services, ensuring access to cash whenever you need it. For quick transactions, our Basic Drive-Thru Banking allows deposits and withdrawals without leaving your vehicle.

Personal Banking

Our personal banking services start with Checking & Savings Accounts designed to help you manage your day-to-day finances easily. Imagine having a secure space for your money while earning interest on your savings. With options tailored for various lifestyles, you can choose the account that best fits your needs. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing solutions make it simple and affordable. Whether it's a new car or a reliable used one, we're here to help you hit the road with confidence. Our flexible terms mean you can focus on enjoying your ride instead of worrying about payments. Homeownership is within reach with our Mortgage Loans & Refinancing options. We guide you through the process, ensuring you find the right loan for your budget and goals. If you're looking to save on your current mortgage, refinancing could lower your monthly payment or help you pay off your home sooner.

Personal Loans and Credit Solutions

For those unexpected expenses or plans that need funding, our Personal Loans & Debt Consolidation services provide the financial support you need without overwhelming interest rates. Picture consolidating multiple debts into one easy payment; it's all about making life easier for you. Don't forget about our Credit Cards with Rewards! These cards offer perks for everyday spending, helping you earn rewards while managing purchases effortlessly.

Digital & Online Banking

Accessible Online Banking

With 24/7 online banking services available at https://verveacu.com/, you can access your accounts anytime, anywhere. Check your balances, transfer funds, and pay bills all from the comfort of your own device. Our user-friendly interface makes it simple for everyone to navigate through their accounts without any stress.

Mobile Convenience

For those who prefer banking on the go, our mobile application is available for download. With features like mobile payments, you can make purchases quickly and securely right from your phone. Just think of how easy it is to pay bills or make transfers while you're out running errands! In summary, Verve, A Credit Union offers a suite of digital banking tools that prioritize both convenience and security. From managing your accounts online to making quick payments via our mobile app, we are here to support you every step of the way in managing your financial needs effortlessly.

Secure Transactions Made Easy

Security is a top priority at Verve, A Credit Union. Our electronic signature authorization feature allows you to sign documents securely online, eliminating the need for physical paperwork. Plus, with person-to-person transfers available, sending money to friends or family is just a click away no need for cash or checks.

Stay Updated with E-Statements

Opting for e-statements not only helps you stay organized but also reduces paper clutter. You can receive your statements electronically whenever you need them, ensuring you're always in the loop regarding your finances.

Financial Strength

At Verve, A Credit Union, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that allows us to serve you effectively. With a net worth of $145,549,542, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 926 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $373,279,023 in share certificates and $285,986,563 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,130,951, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $112,385,308 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $10,028 in used auto loans and $1,141,943,929 in total loans and leases. Our net income of $222,374 reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products tailored for our members' needs. We also take pride in having 254 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments) stand at $4,573,531. Furthermore, we have built a strong community trust reflected in our 154,272 total share accounts, showcasing our growing member base who depend on us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Verve A Credit Union is your trusted partner. Visit us at 3130 South Ave La Crosse Wi 54601 or call 920-236-7040 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $153,654,639 in used vehicle loans and $28,689,716 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our team is here to guide you through the process and find the best terms for your budget.

Business Financing

For business owners looking to expand their operations or invest in new projects, our outstanding commercial loans totaling $288,273,343 provide the capital needed to grow and succeed. We're committed to supporting local businesses with tailored financial solutions that meet their unique needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $82,486,745, make buying or refinancing simple. We understand that securing a mortgage can be overwhelming; that's why we offer personalized support to help you navigate through various options and find the best fit for your circumstances.

Refinancing Options

If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our team is ready to assist you. We will work closely with you to ensure that you understand all available choices and help streamline your journey toward better financial health. For performance insights and financial data on our offerings, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Verve, A Credit Union, we're here not just as lenders but as partners in your financial journey. Whether it's securing an auto loan or navigating mortgage options, our dedicated team is ready to help you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $20,004,307 in loans assisting members in managing their finances effectively. Our credit cards come with competitive rates and rewards to make your spending more rewarding.

Loan Aggregator

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Verve A Credit Union