See how we match up against your current bank
No monthly fees
Enjoy unlimited transactions with no minimum balance required.
Market-leading interest rates
Paying you more interest on your checking and savings every day is pretty much our whole deal.
24/7 mobile banking
Deposit checks, pay bills, and keep track of your credit score from your smartphone.
So many perks
Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more.
Current rates
Add a Title
Earn 4.50% APY* on savings up to $14,999
With Preferred Savings, your money can start working as hard as you do.
1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership.
OR
2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories:
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You're a member of one of the associations we partner with
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You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S.
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Your domestic partner or immediate family member is a current Vibrant Credit Union member
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You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area:
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Illinois
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Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County
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Indiana
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Fountain, Vermillion, and Warren
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Iowa
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Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren
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Wisconsin
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Grant, Green, and Lafayette
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This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online.-
Don't worry—this is no "special introductory offer." We're committed to bring all our members, no matter the size of their balance, the best rates on checking and savings they can find anywhere. While rates may fluctuate in response to larger economic trends, our promise is that ours will always be well above what you'll earn at the average bank or credit union. With no monthly fees, no hoops, and no hassle.
Nope! All you need to do is open an account, and you'll start earning a great rate on your balance each month no matter how you use your account.
Your accounts are insured up to $250,000 per account holder by NCUAA (that's the credit union equivalent of the FDIC). Want to carry a larger balance? Talk to us about strategies for maximizing your deposit insurance—and check out our equally great account options for higher balances.
Frequently asked questions
Elite Savings
Average Daily Balance | APY* |
|---|---|
$100,000 – $249,999.99 | 4.00% |
$250,000 – $999,999.99 | 4.25% |
$1,000,000+ | 4.50% |
*APY = "Annual Percentage Yield." APYs accurate as of November 25, 2024. Rates subject to change without notice. Elite Savings 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. Balances below $100,000 will earn 0.50% APY. $5 Membership Share account required. Federally insured by NCUA.
Premier Checking
Average Daily Balance | APY* |
|---|---|
$ 0 – $24,999.99 | 4.00% |
$25,000+ | 1.50% – 4.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 25, 2024. Rates subject to change without notice. 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. Federally insured by NCUA.
Preferred Savings
Average daily balance | APY* |
|---|---|
$0 –$14,999.99 | 4.50% |
$15,000+ | 4.50% – 1.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 25, 2024. Rates subject to change without notice. Preferred Savings is a tiered 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.
Premier Checking
Average Daily Balance | APY* |
|---|---|
$ 0 – $24,999.99 | 4.00% |
$25,000+ | 1.50% – 4.00% |
*APY = "Annual Percentage Yield." APYs accurate as of October 28, 2024. 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.
Premier Checking
Average Daily Balance | APY* |
|---|---|
$ 0 – $24,999.99 | 4.00% |
$25,000+ | 1.50% – 4.00% |
*APY = "Annual Percentage Yield." APYs accurate as of October 28, 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. Federally insured by NCUA.