New to Vibrant Equipment Lending? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of February 1, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (660–679) 36 month 5.99% 5.99% 10.99% 48 month 5.99% 5.99% 10.99% 60 month 5.99% 6.99% 11.99% 72 month 5.99% 6.99% 11.99% 84 month 6.99% 7.99% 12.99% 96 month 6.99% 7.99% 12.99% 120 month** 6.99% 7.99% 12.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of February 1, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (660–679) 36 month 5.99% 5.99% 10.99% 48 month 5.99% 5.99% 10.99% 60 month 5.99% 6.99% 11.99% 72 month 5.99% 6.99% 11.99% 84 month 6.99% 7.99% 12.99% 96 month 6.99% 7.99% 12.99% 120 month** 6.99% 7.99% 12.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Compact Equipment Promos Rural Lifestyle Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Yanmar customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to Wacker Neuson Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of February 1, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (660–679) 36 month 5.99% 5.99% 10.99% 48 month 5.99% 5.99% 10.99% 60 month 5.99% 6.99% 11.99% 72 month 5.99% 6.99% 11.99% 84 month 6.99% 7.99% 12.99% 96 month 6.99% 7.99% 12.99% 120 month** 6.99% 7.99% 12.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Wacker Neuson's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Wacker Neuson to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Wacker Neuson customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to McCormick Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of February 1, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (660–679) 36 month 5.99% 5.99% 10.99% 48 month 5.99% 5.99% 10.99% 60 month 5.99% 6.99% 11.99% 72 month 5.99% 6.99% 11.99% 84 month 6.99% 7.99% 12.99% 96 month 6.99% 7.99% 12.99% 120 month** 6.99% 7.99% 12.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is McCormick's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with McCormick to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for McCormick customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

Get in touch with us any time via phone, email, or secure messaging through the Vibrant mobile app. Need to get in touch? Current Vibrant members Send a secure message through your online banking app. We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, and 8:30 a.m. to noon on Saturday). New to Vibrant? Get started with an online application or schedule an in-person meeting. Become a new member Email us at hello@vibrantcu.org with any other questions FAQ I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report your debit card lost or stolen and it's after our regular business hours , please call 1-800-379-6724 to prevent unauthorized charges. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109 . What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. For after hours support on your debit card, please call 1-800-379-6724 to prevent unauthorized charges. FAQ Send us a message Have an issue that involves personal or sensitive info? For your security, we can’t handle those types of requests over email—things like account problems, login troubles, or personal detail updates. Instead, reach out through the secure messaging option in online banking or give us a call. We’ll make sure you’re taken care of safely. *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.

Looking for a member service agreement or our current rates and charges for various products? You're in the right place. Disclosures Members Member Service Agreement Rates and Service Charges (updated 02.12.2026) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice Text Messaging and Opt-Out Policy Overdraft Protection Funds Availablility of Deposits Business Members Business Service Agreement Business Rates & Service Charges (updated 11.14.2025) Master ACH Agreement for Businesses Business Online Banking Account Access Agreement and Disclosure Statement Other Security and Refund Policy Illinois Community Reinvestment Act Notice - Corporate Illinois Community Reinvestment Act Notice - Branch

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Get some of the best CD rates available. See our current CD specials and other CD terms. Open an account online in minutes. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Stay ahead of falling rates Lock in a great rate while you can. Open a CD with a minimum deposit of just $5. Open a CD Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD Open a CD Stay ahead of falling rates Stay ahead of falling rates Stay ahead of falling rates Lock in a great rate while you can . Open a CD with a minimum deposit of just $5. Open a CD $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates falling, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. Which CD is right for you? 6-month CD Our 6-month CD offers a competitive rate, giving you a secure and rewarding way to grow your savings in just half a year. Current rate 4.15% APY* 13-month CD Maximize your interest earnings through 2025 and beyond. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances . Current rate 4.00% APY* 48-month CD If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings for the next four years. Current rate 3.65% APY* Open a CD CD rates Term APY* 6-Month CD Special 4.15% 13-Month CD Special 4.00% 48-Month CD 3.65% 23-Month CD Special 3.50% 30-Month CD 3.50% 40-Month Bump-Up CD Special 3.35% *APY = "Annual Percentage Yield." APYs accurate as of February 12, 2026. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. View our Rates and Service Charges for more details. Federally insured by NCUA. 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. 13-Month CD Special will auto-renew into a 12-month certificate when the certificate matures. 23-Month CD Special will auto-renew into a 24-month certificate when the certificate matures. 40-Month Bump-up CD 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. Frequently asked questions Who is eligible to open a CD with Vibrant? Click here to learn more about our membership eligibility options. 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. Is there a penalty for early withdrawal? 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. What happens when my CD reaches the end of its term? If you choose not to withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the same term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose and our current rates , you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it could potentially earn more interest than you’d earn with a savings account. In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

Read our privacy policy to see how Vibrant protects your personal information and how to restrict access to yours. Our Privacy Notice Vibrant Credit Union | P.O. Box 1550, Moline, IL, 61266-1550 | 800-323-5109 Revised October 2025 To opt out, click here . Download a PDF of our privacy policy. FACTS What does Vibrant do? How? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Vibrant Credit Union chooses to share, and whether you can limit this sharing. What? The types of personal information we collect and share depend upon the accounts, products, and services you have with us. This information can include: Name, address, Social Security Number, and income Account balances and payment history Credit history and credit scores Why? Financial companies choose how they use your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Learn about Vibrant HQ, Vibrant's corporate headquarters in Moline, Illinois. Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Add a Title Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Behind the Pinwheel Your one stop for everything Vibrant. Banking Check out our ITMs, where you can speak face-to-face with a teller, or come into a branch for help opening a new account, applying for a loan, and getting assistance with your existing account. Corporate offices It’s where to go for job interviews and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! A great place to work If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. Meet our state-of-the-art ITMs Our new all-digital branch at Vibrant HQ is the first to feature interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Working at Vibrant HQ Get a sneak peek inside our workspaces! Here are a few highlights. Three types of workspace—offices, pods, and cubicles Adjustable-height desks with laptop docking stations and dual monitors Locking personal storage cupboards State-of-the-art conference rooms for video conferences, presentations, and training Casual, comfy seating throughout the building-bring your laptop! Scooters you can ride to meetings throughout the building (just remember to ding the bell as you're rounding corners) Frequently asked questions How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday and 8:30 a.m. to 12 p.m. CT on Saturday. FAQs

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1,000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and more—right from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena , special offers from Vibrant Music Hall , plus much more. Open a checking account Which account is right for you? Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 4.00% APY* on balances up to $25,000. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of February 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $ 0 – $24,999 4.00% Premier Checking Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% 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. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app 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 do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated on Premier Checking? 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 rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month.

Welcome, Modern Woodmen of America! Check out these helpful videos to get started with your Chapter account. Desktop How to log in for the first time Navigating online banking Ordering checks Getting Started with Your Vibrant Chapter Account Mobile How to log in for the first time Navigating online banking How to make a mobile deposit 5 tips for making mobile deposit easier Navigating online banking