Earn up to 20x the national average.
Get 4.00% APY* on balances up to $15k with a Vibrant Preferred Savings account.
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 review your balances any time—all from your own device.
No hidden fees
With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements.
See how you can earn more with Vibrant
Compare our rates with other banks, and it’s easy to see why we lead the way.
* For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 19, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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.
Find the right account for you
Premier Checking
Get a high-yield checking account with no hoops to jump through—just the high rate you deserve.
3.75% APY*
on balances up to $24,999
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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 debit card transactions required
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Get paid up to 2-days early with eligible direct deposits¹
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Dividends paid monthly
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Federally insured by NCUA
Preferred Savings
Build your savings fast by opening a high-yield interest account without all the restrictions or fees.
4.00% APY*
on balances up to $14,999
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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
Elite Savings
Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal.
4.25% APY*
on balances over $1,000,000
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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
Run the numbers. See the difference.
Use this calculator to see how our Vibrant Preferred Savings stacks up. Enter your numbers and compare our rate to the national average—and your current bank. The longer you let it grow, the more that 20x difference really starts to show.
“APY” = Annual Percentage Yield. Vibrant APY accurate as of May 13, 2026. Rates are subject to change without notice. A $5 Membership Share account is required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the the national average savings rate for credit unions is 0.19% APY based on a $2,500 balance. Preferred Savings is a tiered account. Balances from $0 to $14,999.99 earn up to 4.00% APY; balances of $15,000 and above earn 0.75%–4.00% APY depending on balance tier. Calculator results are for illustrative purposes only and assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information.
It's not a claim, it's a receipt.
The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed.
Checking account rates
Account | Average Daily Balance | APY* |
|---|---|---|
Premier Checking | $0 - $24,999 | 3.75% |
Premier Checking | $25,000+ | 1.25% – 3.75% |
Everyday Checking | Any | 0.00% |
*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.
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.
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% | 1.00% | 0.75% – 4.00% | 3.00% | 4.25% |
$250,000 - $999,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.75% |
$100,000 - $249,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.50% |
$25,000 - $99,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 0.50% |
$15,000 - $24,999 | 0.05% | 1.00% | 0.75% – 4.00% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.05% | 1.00% | 4.00% | 0.10% | 0.50% |
$100 - $9,999 | 0.05% | 0.10% | 4.00% | 0.10% | 0.50% |
$0 - $99 | 0.00% | 0.10% | 4.00% | 0.10% | 0.50% |
*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.
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.
Ready to earn more on your money? Open a savings account.
¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.
Frequently asked questions
How old do I have to be to open an account?
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.
Do you offer overdraft protection?
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.
How long does it take for a mobile deposit to appear in my 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.
How do I get a replacement debit card?
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.
How is interest calculated and how often is it paid?
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.
What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest?
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 the lowest rate listed.
Can I open more than one Preferred Savings account?
How does early direct deposit work?
Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday. Timing depends on when the payment file is received.
Is early direct deposit guaranteed?
No. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access.