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Which savings account is right for you?

Savings with no monthly maintenance fees

Your interest rate increases as your balance grows

Dividends paid monthly

No transaction limits

Keep cash on hand for the occasional emergency or splurge without restrictions or fees.

Everyday Savings

No monthly maintenance fees

Earn up to 4.50% APY*

No transaction limits

Dividends paid monthly

Preferred Savings

If you're serious about growing your savings, get our best available rate on balances up to $15,000.

No monthly maintenance fees

Earn up to 3.00% APY*

No transaction limits

Dividends paid monthly

As your balance grows, so does your interest rate

Maximize your interest earnings for balances between $25,000 and $100,000.

Premier Savings

No monthly maintenance fees

Earn up to 4.50% APY*

No transaction limits

Dividends paid monthly

Talk to us about strategies to maximize your NCUA deposit insurance

Elite Savings

Earn interest at rates comparable to a high-yield CD on balances of $100,000 and up—without penalties when you want to make a withdrawal.

  • Membership Savings

    Everyday Savings^

    Preferred Savings^^

    Premier Savings^

    Elite Savings^

    Super Savings^

    Yellow Money Market^

    Average Daily Balance

    APY*

    APY*

    APY*

    APY*

    APY*

    APY*

    APY*

    $0 – $99

    0.00%

    0.10%

    4.50%

    0.10%

    0.50%

    0.01%

    0.01%

    $100 – $9,999

    0.01%

    0.10%

    4.50%

    0.10%

    0.50%

    0.01%

    0.01%

    $10,000 – $14,999

    0.01%

    1.50%

    4.50%

    0.10%

    0.50%

    0.01%

    0.10%

    $15,000 – $24,999

    0.01%

    1.50%

    1.00%

    0.10%

    0.50%

    0.01%

    0.10%

    $25,000 – $49,999

    0.01%

    2.00%

    1.00%

    2.00%

    0.50%

    0.01%

    0.25%

    $50,000 – $99,999

    0.01%

    2.00%

    1.00%

    2.50%

    0.50%

    0.01%

    0.25%

    $100,000 – $199,999

    0.01%

    2.00%

    1.00%

    3.00%

    4.00%

    0.50%

    0.25%

    $200,000 – $249,999

    0.01%

    2.00%

    1.00%

    3.00%

    4.00%

    0.50%

    0.25%

    $250,000 – $499,999

    0.01%

    2.00%

    1.00%

    3.00%

    4.25%

    1.00%

    0.25%

    $500,000 – $999,999

    0.01%

    2.00%

    1.00%

    3.00%

    4.25%

    1.00%

    0.25%

    $1,000,000+

    0.01%

    2.00%

    1.00%

    3.00%

    4.50%

    1.00%

    0.25%

Banking Savings Hero.jpg
If you're serious about building your nest egg, Preferred Savings pays you 4.50% APY* on balances up to $14,999.

Grow your savings faster

Saving for retirement?

Talk to us about setting up a traditional IRA (individual retirement savings) account. Until age 50, you can contribute up to $6,500 a year and deduct your contribution from your taxes. After age 50, you can contribute up to $7,500 a year.

Depending on the size of your retirement savings and how long you want to keep working, we can help you decide what type of account is right for you.

Helpful resources

^Everyday Savings, Premier Savings, Elite Savings, Super Savings, and Yellow Money Market 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. ^^The 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.

*APY = "Annual Percentage Yield." APYs accurate as of February 1, 2024. **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.

FAQ

  • There’s no limit, though with some accounts (like an IRA savings account), there may be limitations on when you can make withdrawals.

  • Vibrant pays interest you monthly, based on the average daily balance in your account that month. Even if you temporarily dip below the minimum balance required for your dividend tier, you can return to earning a higher dividend once your balance increases.

  • You can set up as many special savings accounts as you like, with no monthly maintenance fees. Save for vacation, a wedding, a down payment for your first house, or something less exciting (like the taxes on your freelance income). 

  • Yes. You can only contribute to a health savings account if you have a high-deductible health plan. However, if you have a balance remaining after switching from a high-deductible plan, you can continue to use those funds for qualified medical expenses (including co-pays, coinsurance, deductibles, and other expenses).

FAQ