Award-winning rates
Two-time WSJ Buy Side award winner. The trophy's great. The rates are better.
Your bank, in your pocket
Deposit checks, move money, and review your balances anytime — all from your own device. Full banking access, zero branch required.
High yields. No strings.
Earn interest comparable to a high-yield CD — without locking your money up. Withdraw anytime, no penalties, no monthly fees.
* For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 19, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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.
See which rate your balance will get you
Elite Savings Tier 1
Your first big balance deserves a rate that treats it that way. No requirements, no fine print — just a real return from day one.
3.50% APY*
on balances $100,000 - $249,999
Rate increases automatically when you reach Elite Savings Tier 2.
Elite Savings Tier 2
The reward for doing it right, for a long time. Your rate moves up automatically when you cross $250K — no application, no phone call.
3.75% APY*
on balances $250,000 - $999,999
Rate increases automatically when you reach Elite Savings Tier 3.
Elite Savings Tier 3
At $1M+, you have options. Here's what people with options keep coming back to: a rate worth moving for, and an account that stays out of your way.
4.25% APY*
On balances over $1,000,000
Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance.
Better banking. No strings.
Banking should be simple—and actually work in your favor. That’s why this account skips the typical limitations:
No monthly service fees
No minimum balance requirements
No transfer or withdrawal limits
It’s also why Vibrant earned recognition from The Wall Street Journal’s Buy Side—named “Best for Deposit Rates” in 2025 and “Best Credit Union” in 2026. When you do the basics better, people notice.
Checking account rates
Account | Average Daily Balance | APY* |
|---|---|---|
Premier Checking | $0 - $24,999 | 3.75% |
Premier Checking | $25,000+ | 1.25% – 3.75% |
Everyday Checking | Any | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
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. Limit of one Premier Checking account per member.
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% | 1.00% | 0.75% – 4.00% | 3.00% | 4.25% |
$250,000 - $999,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.75% |
$100,000 - $249,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.50% |
$25,000 - $99,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 0.50% |
$15,000 - $24,999 | 0.05% | 1.00% | 0.75% – 4.00% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.05% | 1.00% | 4.00% | 0.10% | 0.50% |
$100 - $9,999 | 0.05% | 0.10% | 4.00% | 0.10% | 0.50% |
$0 - $99 | 0.00% | 0.10% | 4.00% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
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.
Ready to earn more on your money? Open a savings account.
Frequently asked questions
How old do I have to be to open an account?
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.
Do you offer overdraft protection?
All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion.
You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account.
How long does it take for a mobile deposit to appear in my account?
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.
How is interest calculated and how often is it paid?
Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month.