Verve Credit Union Oshkosh WI | Affordable Vehicle Loans & Rewards Cards

Introduction

Welcome to Verve, A Credit Union, where our commitment to serving you goes beyond banking. Located at 1065 Washburn Ave, Oshkosh, WI 54904, we have been a cornerstone of the community since our establishment in 1938. With over 61,000 members and total assets of $1,569,899,564, we pride ourselves on being more than just a financial institution; we are your trusted partner in achieving your financial goals. At Verve, we understand that every dollar matters. That's why we offer a variety of services tailored to meet your needs, from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. Our total deposits stand at an impressive $103,717,683, reflecting the trust our members place in us. We also manage $32,650 in total loans and leases to help you make significant purchases or investments with ease. Our leadership team is dedicated to ensuring that your experience with us is exceptional. CEO Kevin Ralofsky and Board President Victoria Beltran lead a passionate group of 267 employees who are here to support you every step of the way. Together, we're committed to fostering a community-centric approach that prioritizes your well-being. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 3046, Oshkosh, WI 54903. Join us at Verve Credit Union where you're not just a number; you're part of a family dedicated to helping you thrive financially. Feel free to reach out by calling us at 920-236-7040 or visit our website at https://verveacu.com to learn more about how we can serve you better!

Branch History & Mission

Welcome to Verve, A Credit Union, where our rich legacy and commitment to community have shaped who we are today. Established in 1938, we opened our doors with a simple yet powerful mission: to provide accessible financial services that empower our members and support the community of Oshkosh, WI. Over the decades, we have grown alongside our members, reflecting their needs and aspirations. Located at 1065 Washburn Ave, Oshkosh, WI 54904, our branch is not just a place for transactions; it's a hub for connection and support. Situated near local landmarks, we invite everyone in the area to come in and discover how we can help them achieve their financial goals. While members can visit us at this address, official correspondence should be sent to PO Box 3046, Oshkosh, WI 54903. As of now, we proudly serve over 61,952 members and manage total assets of $1,569,899,564. Our growth is a testament to the trust placed in us by the community. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our mission is clear: "We exist to improve lives." We aim to do this not only through our financial products but also by actively participating in community outreach efforts that make a difference. From local sponsorships to educational workshops on financial literacy, we believe in giving back as much as we receive. Verve's commitment to innovation means that we continually adapt to better serve our members. We offer modern conveniences such as online banking, mobile payments, and ATM access for those who prefer digital solutions. Our drive-thru service ensures that you can conduct basic transactions quickly and efficiently without leaving your vehicle. In addition to these services, we prioritize compliance with ADA standards so that all members can enjoy equal access to our facilities. Our dedicated team of employees is here to assist you during our operating hours from 7 AM - 7 PM for the drive-thru and from 9 AM - 1 PM and 2 PM - 5 PM for the lobby. At Verve, A Credit Union, we are more than just a financial institution; we are your partners in prosperity. Whether you're looking for assistance with loans or simply want guidance on managing your finances better, we're here for you every step of the way. Join us today! Experience firsthand how being part of Verve can enhance your life financially while contributing positively to the Oshkosh community. For more information or if you have any questions, feel free to call us at 920-236-7040 or visit us online at Verveacu.com. Your journey toward financial empowerment starts here!

Branch Location & Accessibility

Accessibility Features

At Verve, we prioritize accessibility for everyone. Our branch is ADA compliant, featuring ramps and accessible parking to ensure that all members can comfortably visit us. You will find ample parking available just steps from our entrance, making your banking experience hassle-free.

Operating Hours

We understand that life gets busy! That's why we offer flexible hours for both our lobby and drive-thru services. Our lobby is open Monday through Friday from 9 am to 1 pm and 2 pm to 5 pm, while our drive-thru operates from 7 am to 7 pm on those same days. This means you can choose the time that works best for you.

Services Offered

At our Oshkosh location, we offer a range of personal and business banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our friendly team is ready to assist you. Need cash? We have an ATM on-site for quick withdrawals and balance checks. For those who prefer convenience, our drive-thru service allows for basic transactions without leaving your vehicle. We invite you to stop by or give us a call at 920-236-7040 if you have any questions or need assistance. At Verve, A Credit Union, we're committed to making banking easy and enjoyable for everyone in Oshkosh!

Member Eligibility

At Verve, A Credit Union, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and inclusive! If you live or work in Winnebago County or are related to someone who does, you're already eligible to join our family. We also extend membership to employees of select organizations and their families. When you choose Verve, you're not just opening an account; you're gaining access to personalized financial services designed to support your goals and dreams. For more detailed eligibility criteria, feel free to visit our website at verveacu.com/join-now. Ready to take the next step? Opening an account with us is straightforward. Just head over to verveacu.com/personal/product/loans/signature-unsecured-loan for the details on how to get started. If you have any questions along the way, don't hesitate to reach out at 920-236-7040. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options That Empower Growth

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.

Merchant Services Tailored for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your daily operations without worrying about how to accept payments from customers. Our services help streamline transactions, making it easier for you to focus on what truly matters growing your business. Located at 1065 Washburn Ave Oshkosh Wi 54904, Oshkosh, WI, our team is ready to partner with you on your journey toward success. Contact us today at (920) 236-7040 to explore how we can assist you in achieving your business goals!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? We have convenient ATM & Cash Withdrawal Services available. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days when time is short! Whether you're stopping by our branch or accessing our services online, we're committed to providing an outstanding member experience at every turn. If you have any questions about how we can support your financial journey, don't hesitate to reach out! Call us at 920-236-7040 or visit us online at verveacu.com. Let us help you reach your financial goals today!

Business Banking

For small business owners, our Business Banking services include Merchant Services & Business Loans, ensuring that your financial needs are met so you can focus on growing your business.

Credit Cards

Want to earn rewards while spending? Our Credit Cards with Rewards allow you to do just that! You can enjoy benefits on everyday purchases while building credit at the same time.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking solutions that let you manage your accounts from anywhere. With features like mobile payments and person-to-person transfers, banking has never been easier or more efficient.

Home Financing

For those looking to buy a home or refinance an existing mortgage, we provide competitive Mortgage Loans & Refinancing options. Our friendly team will work with you to find the best solution for your housing needs, guiding you through every step of the process.

Personal Banking

Starting with our Personal Banking options, we offer a variety of Checking & Savings Accounts tailored to fit your lifestyle. Imagine having a checking account that not only makes everyday transactions easy but also helps you save for special occasions. Our savings accounts can help you set aside funds for emergencies or future plans. If you're considering purchasing a new car or refinancing an existing one, our Auto Loans & Vehicle Financing can make the process smooth and straightforward. Picture yourself driving away in your dream car with manageable payments that fit your budget.

Personal Loans

Life is full of unexpected expenses. Our Personal Loans & Debt Consolidation options are designed to help you tackle those financial surprises without stress. Whether it's medical bills or home repairs, we've got your back with flexible terms that work for you.

Digital & Online Banking

Access Anytime, Anywhere

With our online banking services, you can check your balance, transfer funds, and pay bills 24/7 from your computer or mobile device. No more waiting in line or adjusting your schedule; everything you need is right at your fingertips.

Effortless Payments and Transfers

Need to send money quickly? Our person-to-person transfer feature lets you easily send funds to friends and family without hassle. You can also take advantage of our mobile payments option for quick purchases right from your phone. At Verve, A Credit Union, we're committed to providing accessible and user-friendly banking solutions. Whether you're using our online services or our mobile app, you'll find that managing your finances has never been easier. Visit us today at https://verveacu.com/ and discover how our digital banking services can work for you!

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically, making it simple to keep track of your finances while also helping the environment. It's a win-win!

Stay Secure and In Control

We prioritize your security with features like electronic signature authorization. This means you can sign documents securely without needing to visit a branch, making transactions faster and more convenient. Plus, our mobile application allows you to manage your accounts on the go with ease. You can download it today and enjoy the freedom of banking wherever life takes you.

Financial Strength

Growing Member Base

Total Share Accounts stand at 154,272, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $4,573,531, further highlighting our capacity to support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving for the future or looking for a loan today, Verve is your trusted partner. Visit us at 1065 Washburn Ave Oshkosh WI 54904 or call 920-236-7040 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $222,374 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. 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.

Reinvesting in Your Future

With $112,385,308 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases amount to $1,141,943,929, which includes $10,028 in used auto loans. This robust lending capacity supports members' financial goals across various sectors.

Secure Member Savings

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.

Solid Financial Foundation

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.

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. Our financing options can cater to both new and used vehicles, making it easier for you to find a loan that fits your budget.

Credit Lines and Business Loans

For those looking for additional flexibility, our total credit lines amount to $552,783,517, allowing you to draw funds as needed while only paying interest on what you use. Additionally, for business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $288,273,343 provide the necessary funding to help your business thrive. We encourage you to explore refinancing options if you're looking to lower your monthly payments or consolidate debt our team is here to guide you through eligibility requirements and help tailor solutions that meet your needs. If you're interested in any of these loan offerings or want more information about how they can benefit you personally or financially, feel free to reach out at 920-236-7040 or visit us at 1065 Washburn Ave Oshkosh WI 54904. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

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 aim to support you every step of the way in securing a place you can truly call home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $20,004,307 in loans helping members manage their finances effectively. Enjoy the peace of mind that comes with knowing you have access to credit when you need it most.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so users can trust the information they receive. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly assess their options and choose what works best for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers that reflect current market conditions.

Verve A Credit Union