PRESIDENTS DAY: All Vibrant branches and our corporate office will be closed on Monday, February 17, 2025. Mobile and online banking will still be available.
PLAN AHEAD: Online banking will be unavailable on Tuesday, February 4, starting at 8.a.m. and lasting until noon on Wednesday, February 5, as we make updates to our system.
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.
Best for Deposit Rates
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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.
Heads up! Our online application system will be conducting normal monthly maintenance on production systems between 10pm and midnight ET on Sunday, February 23, 2025. During this time some services may not be available. We anticipate any interruption to be less than 10 minutes.
We're not just saying we're the best.
It's been scientifically proven.
4.50%
APY*
on balances up to $15,000
Vibrant
0.33%
APY*
Average Bank
0.20%
APY*
Average Credit Union
* For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of January 15, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.33% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.20% APY, based on a $2,500 balance. Vibrant APY is for the Preferred Savings account and is accurate as of January 15, 2025. 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 January 15, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.21% 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 January 15, 2025. 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 January 15, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.36% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 3.11% APY, based on a $10,000 deposit.
Vibrant APY is for the 13-month CD and is accurate as of May 16, 2025. 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.