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Looking for the best CD rate?
We delivered.

Get ready to welcome a healthy dividend 9 months from now.

Get ready to welcome a healthy dividend.

The Vibrant 9-month CD

Lock in a great rate until 2024. Open your CD with a minimum deposit of just $5.

Earn a 5.00% APY* on a 13-month CD

Wait 'til you see how much this baby can earn you

Elite members

5.75% APY*

Get a 0.25% APY* rate increase if you have at least $100,000 in an Elite Savings account.

Preferred members

Earn 5.60% APY*

Get a 0.10% APY* rate increase if you have at least $10,000 in a Preferred Savings account.

Absolutely everyone

Earn 5.50% APY*

Get one of the highest rates available anywhere with as little as a $5 deposit.

Maximum deposit of $250,000; limited to new deposits only.


Current rate

5.75% APY*

$50,000 maximum deposit

Lock in our best rate until 2024. Your balance is insured up to NCUA limits—and we can help you maximize your deposit insurance on higher balances.


Current rate

5.60% APY*

$50,000 maximum deposit

With interest rates expected to drop by the end of 2024, our 23-month CD enables you to hang on to a great rate for close to 2 years.

Absolutely Everybody Else

Current rate

5.50% APY*

$50,000 maximum deposit

Lock in a great rate now—and a better one later. If rates rise, you can "bump" your 40-month CD to a higher rate once during the CD term.

Which CD is right for you?

Check out our other CDs

Rates current as of May 13, 2024

8 Month++
9-Month CD Special (2)
12 Month
13 Month***
15 Month***
18 Month
23 Month (1)
24 Month
30 Month
36 Month
40 Month Bump Up Special(+)
48 Month
5-Year Add-On Certificate**

*APY= Annual Percentage Yield. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime.

***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 9-Month Certificate Special has a base APY of 5.50%, 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 9-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) 9-Month Certificates per member. The 9-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

  • The 9-month CD is available for a limited time only, so act fast to lock in our highest rate in years. 

  • 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.

  • If you already have money on deposit at Vibrant—whether that’s in a checking or savings account or another CD—you cannot use those funds to open a 9-month CD unless you’ve deposited those funds within seven (7) calendar days of opening a 9-month CD.  

    Similarly, if you move funds from Vibrant to another financial institution, those funds cannot be redeposited as “new money” for at least 60 days. 

  • Sorry, you can’t—but we’re glad you like our high-yield savings accounts! Members are only eligible for a single rate bonus for the 9-month CD.  But hey, 5.75% APY is still a pretty terrific rate. 

  • Each member can open a maximum of two (2) 9-month CDs, each with a maximum deposit of $250,000. 

  • 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 12-month certificate. 

  • You can open a Vibrant account from anywhere in the United States. You are eligible to join Vibrant Credit Union if you: 

    • Are a member of one of the associations we partner with. 

    • Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. 

    • Are a domestic partner or immediate family member of a current Vibrant Credit Union member. 

    • Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area. 

    • 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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