Are your reserves fully insured?
Keep every dollar safe, accessible, and working for you — all in one account.
Best for Deposit Rates
Used with permission. ©2025 Dow Jones & Company, Inc.
A safer way to protect & access your funds.
Traditional banks insure only up to $250,000 per account, leaving many organizations with uncovered funds. Vibrant’s Insured Money Market Account with Extended Share Insurance gives you expanded NCUA-backed protection — without the burden of opening multiple accounts across multiple institutions.
Your funds stay in one secure, consolidated account, while our auto-sweep network works behind the scenes to maximize insurance coverage. No extra accounts, no additional paperwork, and no managing multiple statements.
Whether you’re managing operating reserves, capital planning, or savings for future growth, this account delivers the safety, liquidity, and simplicity you need.
Fully Insured Coverage
Extend your protection will beyond standard limits with up to $15 million in fully insured deposits.*
Full Liquidity of Funds
Access your reserves any time (before the daily cutoff) without penalties, restrictions, or waiting periods.
Competitive Earnings
Earn strong, market-leading rates while keeping every dollar insured — no need to sacrifice safety for growth.
One Account, One Statement
No more managing multiple bank relationships; your entire balance rolls into one clean, consolidated view.
No Hidden Fees — Ever
Enjoy the benefits of this account without hidden fees, draw fees, or usage requirements.
Designed for people and organizations that need safety, clarity, and control.
This account supports anyone managing reserves above standard insurance limits — without the complexity of juggling multiple financial institutions.
-
HOAs & COAs
-
Small & Mid-Sized Businesses
-
Schools & Educational Institutions
-
Nonprofits & Community Organizations
-
Municipalities & Public Agencies
-
Foundations & Trusts
-
High-Balance Individuals
Why organizations choose extended insurance and why traditional banks fall short.
Many organizations unknowingly hold reserves that exceed standard insurance limits — leaving some funds exposed. Others struggle with liquidity, costly fees, or slow access to capital when needs arise. Here’s how Vibrant solves those challenges with one streamlined account.
Challenge
Solution
Large reserves over $250,000 may exceed standard insurance limits—leaving some funds uncovered.
Emergency repairs or other expenses require fast access to your funds.
Unexpected building repairs or urgent expenses require more capital than you have.
Transparency is needed for seasonal cash flow and fluctuating profits, donations, tuition, or offerings.
High-yield accounts can be risky, restrictive, or come with hidden fees, putting your reserves at risk or limiting access.
You want a financial partner who shares your values and supports your mission.
Our high-yield reserve account* is fully insured and backed by the full faith of the U.S. Government through NCUA coverage, keeping your funds secure and accessible.
Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety.
We offer quick, easy eligibility for lines of credit tailored to your organization with no personal guarantees, draw fees, non-usage fees, or origination fees.
With 24/7 account visibility and access, you're always prepared. If bundled with a line of credit, you can draw instantly for immediate funding.
With no hidden fees and full access to your funds, you can earn competitive interest rates to grow your reserves with no risks involved.
Vibrant is a partner investing in your mission and the community through our Be the Good Foundation.
Expanded coverage without the extra effort.
Our Insured Money Market account uses an auto-sweep system to maximize your insurance while keeping your experience simple. When your balance exceeds a set threshold, excess funds automatically sweep into our network of partner credit unions — each covered by the NCUA.
You still see one balance, one account, and one statement. We handle the rest behind the scenes.
"We invest back into communities and help organizations like yours thrive. By partnering with us, you’re choosing a financial institution that cares about purpose — not just profit."
Nick Tarpein — Chief Financial Officer, Vibrant Credit Union
"I've had a great experience with Vibrant. The representative I work with is most helpful and goes above and beyond to make sure all details of my account are clear and accessible."
Regena C — Vibrant Member
“In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.”
Paul S — President, KWBTS
“Vibrant combines deep knowledge with a friendly, no-rush approach that immediately puts you at ease... I’ve rarely seen this level of thoughtful and proactive service.”
Dmitry F — Vibrant Member
More than insurance — a financial partner you can trust.
Vibrant is a modern credit union built on relationships, transparency, and community impact. We believe managing large balances shouldn’t require complex structures or multiple banking relationships. Instead, we offer a safe, streamlined experience backed by:
-
Dedicated relationship managers who understand your financial goals.
-
Member-first philosophy, not driven by shareholders.
-
Proven track record supporting nonprofits, businesses, ministries, schools, and community institutions.
-
Award-winning deposit products — named a Best In Deposit Rates winner by The Wall Street Journal’s Buy Side.
When you work with Vibrant, you're not just getting expanded coverage — you’re gaining a partner invested in your long-term stability.
Frequently asked questions
Opening an Extended Insurance Account with Vibrant is simple and hassle-free. Just reach out to your account manager at 309-326-3128 or email us at relationshipmgrs@vibrantcu.org to get started. In most cases, our efficient process allows your account to be opened and funded the same day.
ModernFi is a network of credit unions that Vibrant Credit Union has joined to help better protect your balances by distributing funds across partner credit unions to offer extended NCUA share insurance.
Suppose you have $1 million that you want to safeguard and earn interest on. You can achieve this by depositing the full amount with Vibrant Credit Union through an Extended Insurance Account. The money is then distributed into smaller portions and placed in demand deposit accounts at various credit unions within the network. The first $250,000 will be allocated to Vibrant Credit Union, another $250,000 to Credit Union 2, an additional $250,000 to Credit Union 3, and the remaining $250,000 to Credit Union 4. All of these credit unions are partnered with the ModernFi Network. This allocation helps ensure that each dollar is covered by NCUA share insurance, in an amount up to the maximum of $250,000 per share owner per credit union.
Using these Extended Insurance Accounts eliminate the need to keep track of multiple accounts at various credit unions. All of your deposits and activity across your allocated credit unions are consolidated into one statement. Additionally, the Extended Insurance Account interest rate is competitive, making it a compelling choice for individuals and businesses with substantial cash reserves.You control the account just like a regular transaction account. You can deposit, withdraw, or transfer funds at any time through a dedicated Member Portal. Vibrant Credit Union and ModernFi manage and oversee your allocation, ensuring funds are distributed to demand deposit accounts within the network.
Extended Insurance Accounts offer a high degree of security for your deposits, utilizing NCUA insurance to safeguard funds up to $250,000 per member at each participating credit union. This protection extends even in the event of a participating credit union’s failure, ensuring the continued safety of your deposits. Since the inception of the National Credit Union Share Insurance Fund in 1970, no member has lost NCUA-insured funds due to a credit union's failure. All accounts at NCUA-insured credit unions are covered on a dollar-for-dollar basis, encompassing principal plus any interest accrued.
In the unlikely event a credit union fails, the NCUA assumes the responsibility of closing the credit union, receives its assets, and settles all deposit claims. Vibrant Credit Union works with ModernFi to file all required materials with the NCUA to coordinate the receipt of your funds from the failed institution. Payment starts within a few business days after the credit union closure. For more information on NCUA insurance, please visit here.
ModernFi partners with credit unions in good standing with regulators and compliant with all Anti-Money Laundering and Know Your Customer requirements. ModernFi only places deposits at US-based NCUA-insured credit unions that are monitored by a U.S. federal or state governmental agency responsible for the supervision of financial institutions. Vibrant Credit Union maintains complete control over the credit unions that can receive your funds. Furthermore, you and Vibrant Credit Union always have full transparency into the allocation of your funds.
Opening an Extended Insurance Account is quick and easy with Vibrant Credit Union. Simply contact your relationship manager or visit your nearest branch to open an account and start taking advantage of the benefits offered by the Extended Insurance Account.
After account opening, you will gain access to the “Member Portal” to view details on your Extended Insurance Account. You can view statements and your allocations throughout the network at any time, so you always know your money is safe with credit unions you know and trust.
*Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA.
Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.