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What is a certificate of deposit and how does it work?

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We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, plus 8:30 a.m. to noon on Saturday).

New to Vibrant?

Get started with an online application or schedule an in-person meeting.

 

Schedule an appointment with a banker

Open a checking or savings account

Schedule a one-on-one meeting with a Vibrant banker to open a checking or savings account. Choose the date and time that works best for you!

Open a Certificate of Deposit (CD)

Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you!.

Open a Home Equity Line of Credit (HELOC)

Meet with one of our lending experts at Vibrant HQ to discuss your options for opening a Home Equity Line of Credit (HELOC). 

Apply for a personal loan or credit card

Discuss your borrowing options with one of our personal bankers. Schedule a meeting at the date and time that work best for you.

Add a signer to your account

Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork.

Get a personal financial review

Get personalized advice on which Vibrant products are right for you. Talk one-on-one with  a personal banker at Vibrant HQ. Choose the date and time that work best for you!

Frequently asked questions

  • Is there a limit on the number of fee-free transactions I can make through my savings account each month?
    There’s no limit, though with some accounts (like an IRA savings account), there may be limitations on when you can make withdrawals.
  • How often is interest paid on my savings account?
    Vibrant pays interest you monthly, based on the average daily balance in your account that month. Even if you temporarily dip below the minimum balance required for your dividend tier, you can return to earning a higher dividend once your balance increases.
  • I want to set aside money for my next vacation away from my primary savings account. Can I set up a separate savings account for that?
    You can set up as many special savings accounts as you like, with no monthly maintenance fees. Save for vacation, a wedding, a down payment for your first house, or something less exciting (like the taxes on your freelance income).
  • Do I need to have a high-deductible health plan to open a health savings account?
    Yes. You can only contribute to a health savings account if you have a high-deductible health plan. However, if you have a balance remaining after switching from a high-deductible plan, you can continue to use those funds for qualified medical expenses (including co-pays, coinsurance, deductibles, and other expenses).
  • Can I transfer the balance of my higher interest credit cards to my Vibrant Mastercard?
    Yes! There are no fees to transfer balances from other accounts (up to your credit limit), though you will be charged interest on those balances as soon as they are transferred.
  • Does Vibrant offer personal loans?
    Yes, we offer unsecured fixed-rate loans for a variety of purposes, from debt consolidation to home improvements. The amount of the loan is dependent on several factors, including your credit history, debt-to-income ratio, membership history, and other considerations. Find out more!
  • How do I unsubscribe from Mastercard communications?
    If you'd rather not get alerts about upcoming deals and promotions directly from Mastercard, you can manage your communication preferences.

Open a HELOC (home equity line of credit) for access to instant cash when you need it. We offer a lower interest rate than the typical credit card, and you can keep drawing on your line for up to 15 years.

Rates as low as 8.500%*

Tap into your home's equity

Send us a message

Submit

*By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.

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