Best for Deposit Rates
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Find the right account for you
Checking
Get a high-yield checking account with no hoops to jump through—just the high rate you deserve.
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No monthly fees
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No minimum balance requirements
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No direct deposit required
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No minimum monthly debit card transactions required
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Dividends paid monthly
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Encrypted debit transactions with Google Pay and Apple Pay
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Federally insured by NCUA
Savings
Build your savings fast by opening a high-yield interest account without all the restrictions or fees.
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No monthly fees
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No minimum balance requirements
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Unlimited transfers and withdrawals
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Dividends paid monthly
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Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance
Frequently asked questions
You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.
All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion.
You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account.
You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day.
Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours.
Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month.
Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at at the lowest rate listed.
Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.
Ask The Wall Street Journal, Investopedia and CBS News—Vibrant has some of the best rates available.
You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards.
Checking account rates
Account | Average Daily Balance | APY* |
|---|---|---|
Everyday Checking | Any | 0.00% |
Premier Checking** | $0 - $24,999 | 4.00% |
Premier Checking** | $25,000+ | 1.50% – 4.00% |
*APY = "Annual Percentage Yield." APYs accurate as of August 7, 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.
Ready to make your money work harder? Open a checking account.
Savings account rates
Average Daily Balance | Membership Savings | Everyday Savings ^ | Preferred Savings ^^ | Premier Savings ^ | Elite Savings ^ |
|---|---|---|---|---|---|
APY* | APY* | APY* | APY* | APY* | |
$1,000,000+ | 0.05% | 2.00% | 1.00% – 4.50% | 3.50% | 4.50% |
$250,000 - $999,999 | 0.05% | 2.00% | 1.00% – 4.50% | 3.50% | 4.25% |
$100,000 - $249,999 | 0.05% | 2.00% | 1.00% – 4.50% | 3.50% | 4.00% |
$25,000 - $99,999 | 0.05% | 2.00% | 1.00% – 4.50% | 3.50% | 0.50% |
$15,000 - $24,999 | 0.05% | 1.50% | 1.00% – 4.50% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.05% | 1.50% | 4.50% | 0.10% | 0.50% |
$100 - $9,999 | 0.05% | 0.10% | 4.50% | 0.10% | 0.50% |
$0 - $99 | 0.00% | 0.10% | 4.50% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of August 7, 2025.
^Everyday Savings, Premier Savings, and Elite 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.
^^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.
Ready to earn more on your money? Open a savings account.
Why should you choose Vibrant?
Award-winning rates
Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant.
24/7 mobile banking
Deposit checks, pay bills, and keep track of your credit score any time—all from your own device.
No hidden fees
With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements.