Congrats, you're about to make a bundle. Lock in a great rate until 2025. Open your CD with a minimum deposit of just $5. Open a CD Lock in a great rate until 2024. Open your CD with a minimum deposit of just $5. Congrats, you're about to make a bundle Learn more $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates predicted to fall in the next year, 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. 9-month CD Current rate up to 5.75% APY* Our 9-month CD starts with a base rate of 5.50% APY *—but you can earn a rate increase of 0.10% APY* with your Preferred Savings account OR 0.25% APY* with your Elite Savings account. 13-month CD Current rate 5.00% APY* Lock in a great rate until 2025. Your balance is insured up to NCUA limits—and we can help you maximize your deposit insurance on higher balances. 30-month CD Current rate 5.00% APY If you're expecting interest rates to start dropping in the near term, now you can lock in a great rate until late 2026. Which CD is right for you? Open a CD account CD rates Rates current as of May 1, 2024 Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% *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 $50,000. 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 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 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 sam 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, 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 can therefore 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.

Looking for the best CD rate? We delivered. Get ready to welcome a healthy dividend 9 months from now. For a limited time Get ready to welcome a healthy dividend. The Vibrant 9-month CD For a limited time 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 Open a CD Wait 'til you see how much this baby can earn you Elite members Earn 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. I'm ready to make a bundle Elite Members 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. Preferred Members 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? Open a CD account Check out our other CDs Rates current as of May 1, 2024 Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% Open a CD *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 $50,000. 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 How long will these rates be available? The 9-month CD is available for a limited time only, so act fast to lock in our highest rate in years. 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. The 9-month CD is limited to "new money." What does that mean? 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. Can I earn two rate bonuses if I have both a Preferred Savings account and an Elite Savings account? 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. What if I want to deposit more than $50,000? Each member can open a maximum of two (2) 9-month CDs, each with a maximum deposit of $50,000. What happens when my 9-month CD reaches maturity?? 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. Do I have to live or work near a Vibrant branch to open a 9-month CD with you? 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.

Growing fast? You deserve a high 5 For a limited time, earn a guaranteed 5.00% APY* on a 13-month Certificate of Deposit. Add a Title Become a member For a limited time, earn a guaranteed 5.0% APY* on a 13-month Certificate of Deposit. Growing fast? You deserve a high 5 Open a 13-month Certificate of Deposit First name* Last name* Email* Mobile phone number Submit Act now—a rate this good won’t be around for long! APY = Annual Percentage Yield. APY current as of May 1, 2024. 13-month certificates will automatically renew into a 12-month term at maturity. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Lock in a great rate until 2025 If you’ve been looking for a safe place to park your money while interest rates are in flux, consider Vibrant’s new 13-month CD. It’s a great way to make your savings work harder without locking yourself into a long-term commitment. ​ Open an account with as little as $5—with no limit on how much you can deposit. (Thinking about depositing more than $250,000? Talk to us about no-cost strategies for maximizing your deposit insurance.)

It's not a gift card. It's not a credit card. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . Open an account No annual or monthly fees The Vibrant Card works just like a debit card —j ust transfer funds to your account and go! Get great discounts at VC+K You'll always save 20% on food and drinks with your Vibrant Card. You'll also get exclusive offers like BOGOs and cash back— so watch your email. Use it wherever Mastercard® is accepted Use the Vibrant Card like a regular debit card— even add it to your mobile wallet. Feature Vibrant Card Premier Checking 20% off food and drinks at Vibrant Coffeehouse + Kitchen Yes Yes Free online banking Yes Yes Monthly service fees No No Credit pull required No No Earn interest on your balance No Yes Deposit checks No Yes Make deposits at Vibrant ATMs No Yes Maximum balance limited to $500 Yes No 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 get a Vibrant Card. What information do I need to open an account? You'll need to provide your Social Security Number and photos of the back and front of your state-issued photo ID or driver's license. ​ For Vibrant Card accounts, we'll verify your identity, confirm you're not a past or current member of Vibrant, and ask you to electronically sign a member service agreement. ​ For Vibrant checking accounts, we'll verify your identity, review the information provided on your application, and ask you to electronically sign a member service agreement if you're approved. How do you add money to the Vibrant Card? You can transfer funds from your checking or savings account via Vibrant online banking or from a peer-to-peer payment network like Venmo or PayPal. Get detailed instructions on adding funds . How long does it take for funds to appear on my Vibrant Card? Transfers from your checking or savings account will take from 1–3 days to appear in your Vibrant Card balance. ​ If you use Venmo or similar apps, you may be able to instantly transfer funds. You will need to have funds in your Venmo account or be able to add funds to your Venmo account to make a transfer. Vibrant has no affiliation with Venmo, and third-party fees may apply. How do I check my Vibrant Card balance? You will need to sign up for a Vibrant Credit Union online banking account to view your balance and see your transaction history. It's free and takes just moments to set up! Register now . How do I reload my card? Your Vibrant Card has a maximum balance of $500, so you'll need to top it up from time to time. ​ First, you'll need to set up your Vibrant online banking account. Once you do, you'll be able to view your current balance and your transaction history through your account or the Vibrant app. From your online banking account, you'll be able to transfer funds from a checking or savings account at another financial institution or from a payment app like Venmo or PayPal. Can I use my Vibrant Card like a debit card? You sure can—and you can even use it to get cash from the ATM if you set up a PIN. To get your PIN call (800) 992-3808. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . It's not a gift card. It's not a credit card. Open an account

Your money deserves a raise You've been working hard for it. Now let it work harder for you, whether you're spending, saving, or investing. Open an account What do you want to do with your money? Featured rate Earn up to 4.00% APY* on balances up to $24,999 Spend With Premier Checking**, you’ll earn 4.00% APY* on your balance up to $24,999. Once you open your account, you don’t have to jump through any hoops to qualify for this great rate. No debit card transaction requirements No direct deposit requirement No penalties or minimum balance requirement No monthly fees Get Premier Checking Featured rate Earn up to 4.50% APY* on balances up to $14,999 Save Earn 4.50% APY* on your balance up to $14,999 with Preferred Savings***—without penalties when you need to withdraw cash. ​ You don't need to have a large balance to earn our best rate. ​ No monthly fees No transaction limits Dividends paid monthly Get Preferred Savings Featured rate Earn up to 5.00% APY* on a 13-month CD^ Invest Experts agree that interest rates are likely near their peak—which makes it a great idea to lock in a great CD rate for the long term now. Open an account with as little as $5 Lock in an exceptional rate now, before interest rates start to fall Open a CD *APY = "Annual Percentage Yield." APYs accurate as of May 1, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. **Premier Checking is a tiered account; . For this account, you can earn 4.00% APY on balances up to $24,999.99 and 1.50% – 4.00% APY on balances over $25,000. *** Preferred Savings is a tiered account; Earn 4.50% APY on balances up to $14,999.99 and 1.00% – 4.50% APY on balances over $15,000.. ^13-month CD will automatically renew into a 12-month term at maturity. Penalty may be imposed for early withdrawal. Limit of one Premier Checking and one Preferred Savings account per member. Add a Title You've been working hard for it. Now let it work harder for you, whether you're spending, saving, or investing. Your money deserves a raise Open an account Download the Vibrant mobile app to securely access all your accounts. Check your balance Deposit checks Pay bills Transfer money Get free credit score updates Our nearest branch is as close as your phone Download the Vibrant App What our members are saying

Get the card that comes with your favorite perk Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Become a member Add a Title Become a member Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Get the card that comes with your favorite perk Pick a card, any card Rates as low as ​ 9.900% To apply, call 1-800-323-5109 or stop by Vibrant HQ. Vibrant Credit Mastercard We'll never charge you monthly maintenance fees on your checking account. Vibrant Debit Mastercard We'll never charge you monthly maintenance fees on your checking account. Open an account > FAQ Do I need to be a Vibrant member to get a card? Yes, but it's easy to join Vibrant. Open a savings account with just $5! Can I use my discount to buy Vibrant apparel or gift items? The current offer is limited to food and beverage items, but stay tuned! We’ll keep you updated about future promotions. FAQ

We're not just saying we're the best . It's been scientifically proven. Savings Checking CDs 4.50% APY* on balances up to $15,000 Vibrant 0.34% APY* ​ Average U.S. Bank 0.21% APY* ​ Average U.S. Credit Union * For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of March 24, 2024, NCUA reports the national average interest rate for savings accounts offered by banks is 0.34% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.21% APY, based on a $2,500 balance. Vibrant APY is for the Preferred Savings account and is accurate as of April 24, 2024. Rates are subject to change. 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. ​ Checking comparison: As of March 24, 2024, NCUA reports the national average rate for interest checking accounts offered by banks is 0.22% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Vibrant APY is for the Premier Checking account and is accurate as of April 24, 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. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. ​ CD comparison: As of March 24, 2024, NCUA reports the national average rate for 1-year CD offered by banks is 2.33% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 3.26% APY, based on a $10,000 deposit. Vibrant APY is for the 13-month CD and is accurate as of May 1, 2024. When the 13-month certificate matures it will automatically renew into a 12-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. ​ 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. Open an account Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Bank with the best Open an account If you can't be the best, why even bother? Market-leading rates Paying you more interest on your checking and savings every day is pretty much our whole deal. Check 'em out ZERO hidden requirements No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account. Find the right account No waiting around Bank at Vibrant speed—open an account in minutes, deposits checks from your phone 24/7, and hey, get that direct deposit up to 2 days early. Open an account We're the best kind of local. Learn more Sure, our rates are right up there with those internet-only banks. But there's one big difference between us and them—the money you deposit at Vibrant stays here, from the interest you earn to the investments we make in the communities we serve.

Features & benefits Plus free mobile deposit, online banking, monthly credit monitoring, and access to a nationwide network of 55,000+ fee-free ATM's. Get checking with no monthly fees Open an account Vibrant has CDs with terms ranging from 3 months to 5 years. Start earning a better rate on your savings with a minimum $5 deposit. Tiered interest rates Open a CD Get rates as low as 9.900% APR with Vibrant Credit Mastercard—plus an instant 20% discount on food and drinks every time you use it at Vibrant Coffeehouse and Kitchen . Member-only discounts Apply now Learn more Remember when people used to pay third-party vendors to see their credit score? You can track yours any time with the free Vibrant mobile apps. Monitor changes in your credit score, see how future purchases or payments will affect it, and get customized lending offers to help you save money. All this, plus mobile deposit, bill pay, and other great account management tools. Download it today for Apple or Android. See your credit score anytime you want What is a certificate of deposit (CD) and how do they work? Interest rates are rising—and that's good news when it comes to CDs. If you want to get a better rate of return on your savings without risk, a certificate of deposit is a great option. Read more > 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you create an inflation-proof budget and increase your savings. Read more > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more in American Banker > New HQ captures Vibrant Credit Union's culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Read more > Get sound advice from real people

Rates These rates are effective as of May 1, 2024. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria. Which rates are you checking? Checking Savings Certificates of deposit (CDs) Credit cards HSA IRA Business checking Business money market Back to top Ready to make your money work harder? Open a checking account . *APY = "Annual Percentage Yield." APYs accurate as of May 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. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking** $0 - $24,999 4.00% $25,000+ 1.50% – 4.00% Checking Account Rates Saving Accounts Rates Average Daily Balance Membership Savings Everyday Savings ^ Preferred Savings ^^ Premier Savings ^ Elite Savings ^ APY* APY* APY* APY* APY* $0-$99 0.00% 0.10% 4.50% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.50% 0.10% 0.50% $10,000 - $14,999 0.05% 1.50% 4.50% 0.10% 0.50% $15,000 - $24,999 0.05% 1.50% 1.00% – 4.50% 0.10% 0.50% $25,000 - $49,999 0.05% 2.00% 1.00% – 4.50% 2.00% 0.50% $50,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 2.50% 0.50% $100,000 - $199,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.00% $200,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.00% $250,000 - $499,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.25% $500,000 - $1,000,000 0.05% 2.00% 1.00% – 4.50% 3.00% 4.25% $1,000,000 + 0.05% 2.00% 1.00% – 4.50% 3.00% 4.50% ^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. *APY = "Annual Percentage Yield." APYs accurate as of May 1, 2024. $5 Membership Share account required. Federally insured by NCUA. Ready to earn more on your money? Open a savings account . Back to top Certificate of Deposit (CD) Rates Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% *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 $50,000. 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. Need to grow your cash steadily and securely? Open a CD . Back to top Credit Card Rates Type APR as low as Vibrant Credit Mastercard 9.90% APR = “Annual Percentage Rate.” APRs accurate as of May 1, 2024. $5 Membership Share account required. Rates subject to change without notice. Back to top Back to top Looking to supplement your healthcare coverage? Talk to us about an HSA . *APY = “Annual Percentage Yield.” APYs accurate as of May 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* $100 - $4,999 0.01% $5,000+ 0.01% Health Savings Account (HSA) Rates Back to top Want to ditch those monthly fees and requirements? Open a business checking account. *APY = “Annual Percentage Yield.” APYs accurate as of May 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* Business Checking Account Rates Back to top Searching for flexibility and earnings on your balance? Open a business money market account. *APY = “Annual Percentage Yield.” APYs accurate as of May 1, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market Account is a tiered account; 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. Average Daily Balance APY* $100 - $9,999 0.01% $10,000 - $24,999 0.01% $25,000 - $99,999 0.01% $100,000 - $199,999 0.01% $200,000 - $499,999 0.01% $500,000 + 1.00% Business Money Market Rates Vibrant mortgages are now powered by Luminate Home Loans. Looking for mortgage rates? Learn more Back to top Ready to save powerfully for retirement? Open an IRA. *APY = “Annual Percentage Yield.” APYs accurate as of May 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* $100 - $9,999 0.01% $10,000 - $24,999 0.01% $25,000 - $49,999 0.10% $50,000 - $99,999 0.30% $100,000 + 0.35% Individual Retirement Account (IRA) Rates

Disclosures Members Member Service Agreement Rates and Service Charges (updated 05.01.2024) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice ​ Business Members Business Service Agreement Business Rates & Service Charges (updated 04.01.2024) Master ACH Agreement for Businesses Other IDFPR – Notice Regarding the Community Reinvestment Notice Security and Refund Policy

Can't wait to get back to work? Don't worry—managing your equipment loan is fast and easy. Manage your account Add a Title Manage your account Don’t worry—managing your equipment loan is fast and easy. Can't wait to get back to work? Access your account online to view statements, manage payments, and review your payment history. Set up your account Set up an ACH transfer from your financial institution to your loan account using your account and routing number. Pay by ACH transfer... Set up automatic payments or make a one-time payment online using your debit card. ...Or pay by debit card Go to our loan payment portal Getting started FAQ Am I a Vibrant Credit Union member? Yes! You are now eligible for all our products—checking, credit cards, and more! Visit our website to learn more. When will I get my loan documents? You will receive your loan documents through DocuSign. Please save a copy of your documents at the time of signing. Where are you guys located? Our headquarters is located in Moline, Illinois, and we have branches in Iowa and Illinois. Can you help me set up an ACH transfer? Absolutely! If you're not comfortable setting up a transfer through our online portal we're glad to set it up for you. Call us at 800-323-5109 between 8:30 a.m. and 5:00 p.m. CT Monday through Friday, or from 8:30 a.m. to 12:00 p.m. CT on Saturday. How can I make a payment? You have three options for paying your loan: You can pay online with your debit card. (where you can also access your account statements and payment history if you set up an account). You can pay online with an ACH transfer from your bank account. Need help setting up your transfer? Call us at 800-323-5109 and we'll take care of it. If you prefer, you can just mail us a check! How can I set up an automatic payment? Log in to your loan account and choose "Pay my bills" under your latest invoice. When you enter your payment information, you can choose a one-time payment or a recurring payment. Can I pay by mail? Yes! You can send a check to the address below if you prefer to pay by mail. Remember to include your account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 FAQ Getting started Set up your account Access your account online to view statements, manage payments, and review your payment history. Pay by ACH transfer Set up an ACH transfer from your financial institution to your loan account using your account and routing number. ...or pay by debit card Set up automatic payments or make a one-time payment online using your debit card. Manage your account Monday – Friday: 8:30 a.m. – 5:00 p.m. CT Saturday: 8:30 a.m. – Noon CT Business hours Get personal support from our team. Call 1-800-323-5109 or email to connect with us. Need a hand?

Find support in unprecedented times Vibrant is proud to work with you on your PPP loan. frequently asked questions Is funding still available through the Paycheck Protection Program? The Small Business Administration ended the Paycheck Protection Program on May 31, 2021. See other programs that offer relief for businesses affected by the COVID-19 pandemic. My business received a PPP loan. How do I apply for loan forgiveness? Choose the application form from the list below that best describes your situation. PPP Forgiveness Application – $50,000 and Below PPP Forgiveness Application EZ-Version (loans of $150,000 and below) PPP Forgiveness Application Regular-Version The Small Business Administration has assembled an FAQ for PPP borrowers about requirements for loan forgiveness. Where can I find the most up-to-date guidance about PPP deadlines and requirements? The Small Business Administration is administering the PPP loan program. Visit its website for more information. I have more questions about my PPP loan. Who do I contact? Contact Northpoint Commercial Credit, our commercial lending partner for PPP loans, at closing@northpointcredit.com. FAQ Find support in unprecedented times Vibrant is proud to work with you on your PPP loan.