Verve, a CU Essential bonus: is $1,000 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $10,000 for 396 days, the tier that adds the most.
Yearly rate on $10,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$200$0$200 bonus · 396 days
- +$421$10,000$600 bonus · 396 days
- +$821$10,000Best for you$1,000 bonus · 396 days
The math
Compared with leaving $10k at 4.15%
Get $1,000 in direct deposits within 92 days · Average $10,000 from day 1 to day 123 · Average $10,000 from day 1 to day 396. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get $1,000 in direct deposits within 92 days
- 2Average $10,000 from day 1 to day 123
- 3Average $10,000 from day 1 to day 396
- Ends
- Oct 15, 2026
- Where
- Wisconsin, Minnesota, Illinois
- Pays while it's there
- 2.5% a year
- Monthly fee
- None
- Closing early
- $25 within 90 days
- Cash stays
- About 396 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Verve, a CU Essential bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds +$821: the $1,000 bonus plus $271 interest, minus the $450 that cash would have earned in 396 days. The $10,000 tier adds +$421. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get $1,000 in direct deposits within 92 days; average $10,000 from day 1 to day 123; average $10,000 from day 1 to day 396. Open to residents of Wisconsin, Minnesota, Illinois.
When does it end?
The offer ends Oct 15, 2026. The terms were last checked Oct 10, 2026.