Learn how my interest is calculated
Premier Checking: 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 approximately 31 cents in interest at the end of the month. Interest dividends are paid to your account at the end of every month.
On our Savings Accounts, interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of, say, $104.35 in a Preferred Savings account, you'll earn 4.00% APY on that amount.
Use our calculator tool below to compare what you could be earning with a Vibrant Preferred Savings account. Just enter your balance, years to grow, and your current dividend rate to estimate your earnings—then see how it stacks up against Vibrant. Plus, with Vibrant, there are no monthly fees or hidden requirements—so more of what you earn stays yours.
Not sure what to enter? Check your bank’s disclosures and look for the dividend (or interest) rate, since APY* includes compounding and can appear higher. Learn more about dividend rates vs. APYs here.
You can also explore all our high-yield account rates here.
*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.
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; 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. For balances up to $15,000 the account earns 4.00% APY. For balances of $15,000 or more, the account earns 0.75% - 4.00% APY. Limit of one Preferred Savings account per member. 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.