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We're not just saying we're the best.
It's been scientifically proven.

4.50%

APY*

 

on balances up to $15,000

Vibrant

0.34%

APY*

Average U.S. Bank

0.21%

APY*

Average U.S. Credit Union

* For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of March 24, 2024, NCUA reports the national average interest rate for savings accounts offered by banks is 0.34% APY, based on a $2,500 balance, and  the national average interest rate for savings accounts offered by credit unions is 0.21% APY, based on a $2,500 balance.  Vibrant APY is for the Preferred Savings account and is accurate as of April 24, 2024. Rates are subject to change. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member​. $5 Membership Share account required. Federally insured by NCUA. 

Checking comparison: As of March 24, 2024, NCUA reports the national average rate for interest checking accounts offered by banks is 0.22% APY, based on a $2,500 balance, and  the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Vibrant APY is for the Premier Checking account and is accurate as of April 24, 2024. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

CD comparison: As of March 24, 2024, NCUA reports the national average rate for 1-year CD offered by banks is 2.33% APY, based on a $10,000 deposit, and  the national average rate for a 1-year CD offered by credit unions is 3.26% APY, based on a $10,000 deposit. 

 

Vibrant APY is for the 13-month CD and is accurate as of May 1, 2024. When the 13-month certificate matures it will automatically renew into a 12-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.  

HEADS UP! We've received multiple reports from members who have received spoof calls from people claiming to be from Vibrant. Remember, Vibrant will never ask you for your user name, password, or full account number!

Bank with the best

Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance.

Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance.

Bank with the best

If you can't be the best, why even bother?

Market-leading rates

Paying you more interest on your checking and savings every day is pretty much our whole deal.

ZERO hidden requirements

No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account.

No waiting around

Bank at Vibrant speed—open an account in minutes, deposits checks from your phone 24/7, and hey, get that direct deposit up to 2 days early.

We're the best kind of local.

Sure, our rates are right up there with those internet-only banks. But there's one big difference between us and them—the money you deposit at Vibrant stays here, from the interest you earn to the investments we make in the communities we serve.

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