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Bank with the best

Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance.

No monthly fees

No minimum balance required.

Unlimited transactions

Move money between your checking and savings, make withdrawals, even pay bills.

Earn up to 450x more interest

Say goodbye to that 0.01% APY* you're earning at your current bank. And hello to Vibrant.

Which account is right for you?

  • No monthly fees

  • Unlimited transfers and withdrawals

  • Dividends paid monthly

Premier Savings

If you typically have between $25,000 and $100,000 in savings, this account earns you a better-than-average yield.

Featured rate

3.50% APY* on balances of $25,000 and up
  • No monthly fees

  • No transaction limits

  • Monthly dividends

  • Federally insured by NCUA—talk to us about strategies to maximize your deposit insurance

Elite Savings

If you have $100,000 or more in savings, you can earn interest at rates comparable to a high-yield CDwithout penalties when you want to make a withdrawal. 

Featured rate

4.50% APY* on balances of
$1 million and up
  • No monthly fees

  • Dividends paid monthly

  • See current rates

Everyday Savings

Get in the savings habit. Keep cash on hand for emergencies or splurges without restrictions or fees.

Featured rate

2.00% APY* on balances of $25,000 and up
  • No monthly fees

  • No minimum balance requirements

  • Unlimited transfers and withdrawals

  • No minimum debit transactions per month

  • Dividends paid monthly

Preferred Savings

If you have less than $15,000 in savings, this high-yield account will help you grow your nest egg fast.

Featured rate

4.50% APY* on balances up to $14,999.99

Plus 1.00% APY* on the portion of your balance above $15,000

Savings account rates

Average Daily Balance
Membership Savings
Everyday Savings ^
Preferred Savings ^^
Premier Savings ^
Elite Savings ^
APY*
APY*
APY*
APY*
APY*
$1,000,000 +
0.05%
2.00%
1.00% – 4.50%
3.50%
4.50%
$500,000 - $1,000,000
0.05%
2.00%
1.00% – 4.50%
3.50%
4.25%
$250,000 - $499,999
0.05%
2.00%
1.00% – 4.50%
3.50%
4.25%
$200,000 - $249,999
0.05%
2.00%
1.00% – 4.50%
3.50%
4.00%
$100,000 - $199,999
0.05%
2.00%
1.00% – 4.50%
3.50%
4.00%
$50,000 - $99,999
0.05%
2.00%
1.00% – 4.50%
3.50%
0.50%
$25,000 - $49,999
0.05%
2.00%
1.00% – 4.50%
3.50%
0.50%
$15,000 - $24,999
0.05%
1.50%
1.00% – 4.50%
0.10%
0.50%
$10,000 - $14,999
0.05%
1.50%
4.50%
0.10%
0.50%
$100 - $9,999
0.05%
0.10%
4.50%
0.10%
0.50%
$0-$99
0.00%
0.10%
4.50%
0.10%
0.50%
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2024. ^Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; 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. ^^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. 

Frequently asked questions

  • You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.

  • Yes! The portion of your balance under $15,000 will earn interest at a rate of 4.50% APY. The portion of your balance above $15,000 will earn interest at a rate of 1.00% APY.  

  • Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000. 

  • 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 4.50% APY on that amount.

Get the account for people who prefer to earn 4.50% APY*

It's the one we named Preferred Savings, of course—and you can move your money in minutes.

It's the one we named Preferred Savings, of course—and you can move your money in minutes.

Get the account for people who prefer to earn 4.50% APY*

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