Built by people like you
for businesses like yours.
We saw a need for better banking solutions tailored to groups in our communities. With a shared passion for making an impact, we built a unique set of bank accounts designed specifically for small businesses, sports teams, not-for-profits, and more. Our goal? To make managing money easier, more accessible, and built around the needs of those who give back, grow, and bring people together.
Think your bank can beat our rates?
Checking
3.00%
APY*
Savings
3.25%
APY*
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates are shown for Community Checking and Community Savings programs. $5 Membership Share account required. See our current rates for more details. Rates subject to change without notice. Federally insured by NCUA.
Community 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. Balances less than $50,000 earn 3.00% APY. Balances greater than $49,999.99 earn between 1.00%-3.00% APY.
Your time is important
so we make it easy.
Get industry-leading interest rates
No monthly fees or transaction limits
24/7 mobile account management
Experienced support team
Supporting communities everywhere
“Working with Vibrant Credit Union has always been easy and rewarding.”
Pam Lynch, GiGi’s Playhouse Site Director
Supporting communities everywhere
“It’s reassuring to know that there are real, local people ready to help whenever we need it.”
Kathryn Kunkel, QC Strikers Club President
Still don’t believe us? Here’s how those numbers could stack up for you.
$25,000
savings account size
x
3.25%
APY*
=
$824.71
earnings per year
*APY (Annual Percentage Yield) reflected for the Community Savings is accurate as of November 14, 2025 and may change at any time without notice. The example provided is for illustrative purposes only for what an account could earn after a year which assumes no withdrawals or additional deposits. Actual earnings may vary based on account balance, interest rate changes, and other factors. Please consult with your financial advisor or bank representative for more information.
Here's what you get
when you bank with Vibrant.
-
Earn interest with market-leading rates
-
Free online banking with mobile depositing
-
ACH payments enabled (bills & payroll)
-
Includes debit card
-
Write unlimited checks
-
Dividends paid monthly
-
Federally insured by NCUA
-
No monthly service fees
-
No transfer/withdrawal limits
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No minimum balance requirements
-
No direct deposit requirements
-
No check clearing limits or transaction limits
Gain membership access to our nationally-ranked CD rates
Flexible credit card options
Insured Money Market Accounts for balances up to $15M
Simplified solutions
for your every need.
Maximize your funds while keeping banking simple, secure, and built for your needs. It’s time to make your money work harder for your mission.
Business Checking Account Rates
Average Daily Balance | Standard Business Checking | Community Business Checking |
|---|---|---|
APY* | APY* | |
$100,000+ | 0.25% | 1.00% - 3.00% |
$50,000 - $99,999 | 0.15% | 1.00% - 3.00% |
$25,000 - $49,999 | 0.15% | 3.00% |
$0 - $24,999 | 0.00% | 3.00% |
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
The Community Checking and Standard Business Checking accounts are a tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started.
Business Savings Account Rates
Average Daily Balance | Standard Business Savings | Community Business Savings |
|---|---|---|
APY* | APY* | |
$25,000+ | 0.005% | 3.25% |
$100 - $24,999 | 0.005% | 3.25% |
$0 - $99 | 0.00% | 3.25% |
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
The Standard Business Savings and Community Business Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
