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Which account is right for you?
*APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. **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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
$ 0 – $24,999
4.00%
Premier Checking**
Any
0.00%
Everyday Checking
Average Daily Balance
APY*
$25,000+
1.50%
Checking Account Rates
High-Yield Checking! Earn 4.00% APY* on balances between $0 and $24,999
Features
Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen
Fee-free ATMs at 55,000+ locations nationwide
Free credit monitoring, including access to your credit score
No monthly service fees
No penalties or minimum balance requirement
No direct deposit requirement
No debit card transaction requirements
No hoops to jump through, just the high rate you deserve!
Premier Checking
Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen
Features
Fee-free ATMs at 55,000+ locations nationwide
Free crediting monitoring, including access to your credit score
Everyday Checking
Get everything you want in a checking account—nothing more, nothing less.
No debit card transaction requirements
No penalties or minimum balance requirements
The closest branch is as near as your phone
FAQ
The Vibrant Credit Union routing number is 271183646.
To protect your account from fraudulent transactions, we automatically block card transactions beyond a certain distance from your home. If you’re traveling to a different state or country, you can let us know in advance to avoid any inconvenience. Call 800-323-5109 during regular business hours. After hours and on weekends, select option 2 from the menu. You can also send a message through your online account or via our mobile app.
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.
The maximum amount you can deposit each day is $5,000.
If you’ve tried to log in unsuccessfully too many times, the system will automatically lock your account. Contact us for a reset. We can also tell you how to confirm your user name or reset your password.