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Digital Advantage Savings: 4.40% APY*
No monthly fees. No transaction requirements.
Open in minutes
Fast, hassle-free online account opening.
Federally insured
NCUA insurance up to $250K per depositor.
No hidden fees
Keep more of what you earn without all the hoops.
Join nationwide
New members can join from anywhere in the U.S.
Here's how the Digital Advantage Savings account works:
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Earn 4.40% APY* on balances up to $5,000
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New members only; must open account online
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No monthly maintenance fees
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No transaction requirements
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Unlimited transfers and withdrawals
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Membership available nationwide through Vibrant Credit Union's Be The Good Foundation
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Federally insured by the NCUA
"...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..."
Larry Z. — Vibrant Credit Union Member
"Very happy with your products. Your rates can't be beat..."
Vicki M. — Vibrant Credit Union Member
"Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..."
Patsy B. — Vibrant Credit Union Member
Want to grow more than $5K?
We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one.
Digital Advantage Savings
Earn 4.40% APY* on balances
Up to $5K
MEMBER FAVORITE
Preferred Savings
Earn 4.00%* APY on balances
Up to $15K
Premier Checking
Earn 3.75%* APY on balances
Up to $25K
High-yield savings account rates
Average Daily Balance | Digital Advantage Savings* | Preferred Savings | Premier Savings | Elite Savings |
|---|---|---|---|---|
APY* | APY* | APY* | APY* | |
$1,000,000+ | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 4.25% |
$250,000 - $999,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 3.75% |
$100,000 - $249,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 3.50% |
$25,000 - $99,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 0.50% |
$15,000 - $24,999 | 0.01% - 4.40% | 0.75% - 4.00% | 0.10% | 0.50% |
$5,002 - $14,999 | 0.01% - 4.40% | 4.00% | 0.10% | 0.50% |
$0 - $5,001 | 4.40% | 4.00% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Digital Advantage Savings is only available for new members and must be opened online.
Preferred Savings and Digital Advantage Savings are tiered accounts; for these accounts, 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 and one Digital Advantage Savings account per member.
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.
Ready to earn more on your money? Open a savings account.
Additional savings account rates
Average Daily Balance | Membership Savings | Everyday Savings |
|---|---|---|
APY* | APY* | |
$10,000 - $14,999 | 0.005% | 1.00% |
$100 - $9,999 | 0.005% | 0.10% |
$0 - $99 | 0.00% | 0.10% |
*APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Everyday Savings account is a tiered account; 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.
Ready to earn more on your money? Open a savings account.
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 August 12, 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.
Earn up to 4.00% APY* on your checking
Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes:
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No monthly fees or minimum balance requirements
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No direct deposit or debit card transaction requirements
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No withdrawal limits
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Free online & mobile banking with mobile check deposit
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.
Frequently asked questions
What does "Digital Advantage" mean?
This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here.
How old do I have to be to open an account?
You'll need to be at least 18 years old to open a Digital Advantage Savings account online.
If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone 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.
Can I open a Digital Advantage Savings account if I'm already a Vibrant member?
The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here.
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 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 $5,000 in my Digital Advantage Savings account? Do I still earn interest?
Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed.
If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here.
Can I open more than one Digital Advantage Savings account?
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 $5,000. Explore some of our other products here.