Lock in a 4.50% APY* return until 2027.
For a limited time, fight back against interest rate uncertainty with our 30-month CD.
Our strategy is simple
$5 minimum deposit
Sure, there are a lot of great CDs available. But the best rates often come with a catch—a minimum opening deposit in the mid-four figures. That's not our style.
Your money stays local
Hey, you're not dealing with some faceless corporate bank. You're keeping your money in your own community, where it supports local jobs, local organizations, and initiatives that make life better for all of us.
We find the highest rates available from other banks and credit unions. And then we blow them away.
Open an account online in minutes or call 563-748-4141 to talk to our CD experts.
Check out our other CDs
Rates current as of September 4, 2024
Term | APY* |
|---|---|
6-Month CD Special (2) | 5.25% |
8 Month++ | 0.15% |
9-Month*** | 0.01% |
12 Month | 0.15% |
13 Month*** | 5.15% |
15 Month*** | 0.50% |
18 Month | 0.15% |
23 Month (1) | 0.01% |
24 Month | 0.25% |
30 Month | 4.50% |
36 Month | 0.50% |
40 Month Bump Up Special(+) | 1.90% |
48 Month | 0.25% |
5-Year Add-On Certificate** | 0.80% |
*APY= Annual Percentage Yield. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime.
***9-, 13- and 15-month certificates will automatically renew into a 12-month term at maturity.
+For the 40-Month Bump Certificate Special, members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity.
1. 23-month CD will automatically renew into a 24-month term at maturity.
2. The 6-Month Certificate Special has a base APY of 5.25%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 6-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 9-Month Certificate is $250,000. Limit of two (2) 6-Month Certificates per member. The 6-Month Certificate will auto-renew into a 12-month certificate when it matures.
$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.
Frequently asked questions
You can open a Vibrant account from anywhere in the United States. You are eligible to join Vibrant Credit Union if you:
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Are a member of one of the associations we partner with.
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Are 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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Are a domestic partner or immediate family member of a current Vibrant Credit Union member.
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Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area.
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Become a member of the Illinois Consumer Council, a nonprofit membership organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. We’ll even enroll you and cover any costs associated with your ILCC membership.
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.
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This rate is available only for a limited time. Open an account now and you'll lock in a great rate for the next 2.5 years—no matter what the Fed decides at its next meeting.
You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options.
Yes! Every Vibrant account holder's deposits are insured up to $250,000 through NCUA. Want to deposit more? Talk to us about simple strategies to maximize your NCUA coverage or about purchasing additional insurance.
There is no maximum, but be aware that your deposit is insured up to $250,000 per account holder by NCUA. Talk to one of our deposit experts about strategies for protecting your cash beyond the NCUA limit.
We’ll reach out to you shortly before your CD reaches its maturity date to find out if you want to withdraw cash, roll your deposit into a different CD, or let it automatically renew as a 30-month certificate at the rate in effect at that time.