Smart Banking. Stronger Communities.
Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center.
Community Associations
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.
Florida Condo HOAs
Our reserve and lending solutions are built specifically for HOAs impacted by House Bill 913, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves.
Together, they give your association the financial security it needs without the complexity.
Insured Money Market
At Vibrant, safeguarding your deposits is a priority. We offer Extended Share Insurance to help protect your funds beyond the typical limits—giving you greater peace of mind and broader coverage as your reserves grow.
Whether your organization needs added protection for operating funds, reserve balances, or mission-critical resources, a Vibrant Insured Money Market account provides an extra layer of security that complements our full suite of deposit solutions.
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 December 4, 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.
The Community Checking Account and Standard Business Checking Account 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 | Association Savings | Standard Business Savings | Community Business Savings |
|---|---|---|---|
APY* | APY* | ||
$25,000+ | 2.00% | 0.005% | 3.25% |
$100 - $24,999 | 1.00% | 0.005% | 3.25% |
$0 - $99 | 1.00% | 0.00% | 3.25% |
