Rates These rates are effective as of September 12, 2023. 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 deposits (CDs) Credit card and unsecured loans HSA IRA Business checking Business money market Home equity line of credit (HELOC) loans Rates These rates are effective as of September 12, 2023. 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 deposits (CDs) Credit card and unsecured loans HSA IRA Business checking Business money market Home equity line of credit (HELOC) loans Checking Account Rates - Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking*** $0 - $24,999 4.00% $25,000 1.50% *APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. **Premier Checking is a tiered account. For this account the specified Divdended 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. Ready to make your money work harder? Open a checking account. Back to top ^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 September 12, 2023. These are tiered rate accounts; rates will only apply to the portion of the balance within that tier. $5 Membership Share account required. Federally insured by NCUA. Ready to earn more on your money? Open a savings account Back to top Looking for mortgage rates? Vibrant mortgages are now powered by Luminate Home Loans. Learn more

Get the details Make the holidays merrier with our 90-day no-pay program. Choose standard-rate financing to qualify. Finance now with no payments until 2024 *"APR" = "Annual Percentage Rate." **8.24% standard-rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers qualify. Minimum loan amount of $15,000 for all 120-month terms. No down payment required; eligible for additional cash rebates. Rates current as of November 1, 2023. For low-rate financing options with either a consumer down payment or dealer participation , talk with your relationship manager. Standard Financing Go to the Portal > Create new applications, check on the status of applications in progress, and more. Dealer Portal Estimate premiums > Protect your new Yanmar against accidents and unexpected disasters with coverage up to its actual cash value for the life of your loan. Insurance Calculator Go to the training center > Need help navigating Yanmar Financing powered by Vibrant? Check out step-by-step video tutorials and other resources. Training Center Dealer Tools Earn up to 5.00% APY* on your savings With high-yield Super Savings from Vibrant, the more you save, the more you earn. Get our best rates in years for a limited time only. *APR = "Annual Percentage Yield. Super Savings 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. APYs accurate as of September 12, 2023. $5 Membership Share account required. Federally insured by NCUA. Learn more > Lock in a great rate with a Vibrant CD Rates are going up, up, up—but for how long? Lock in a great rate of return with terms as short as 3 months or as long as 5 years. Check out our rates > Frequently asked questions What’s the relationship between Vibrant Credit Union and Yanmar Finance? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner 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? We'll need some basic information about your dealership, including: Legal business name EIN Physical address Contact email Phone number In addition, any individual with at least a 25% ownership stake will need to provide the following: Name Date of birth Social Security number Job title % of ownership (if applicable) Copy of driver's license Phone number Email Account Finally, if you have additional staff who will be signers on the account, they'll need to provide their: Name Date of birth Social Security Number Job title Copy of driver's license Phone number Email How long does it take to receive a decision on a loan application? Most loan decisions are available in minutes because we use a flexible, risk-based scoring model that delivers multiple finance options for each customer. 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! Our lenders are available from 7:30 a.m. to 6 p.m. CT Monday through Friday and from 8:30 a.m. to 1 p.m. CT on Saturdays. Do you finance purchases of used equipment? We are always looking for new opportunities to help you. Give us a call at 1-800-479-6206 or email us at loanprogram@vibrantcu.org to discuss your sales needs. How can I find out about financing incentives? Download our current incentives: US Retail Program - November 2023 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? You can reach us at 1-800-479-6206 from 7:30 a.m. to 6 p.m. CT Monday through Friday and from 8:30 a.m. to 1 p.m. CT on Saturdays. 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! To get started, contact the manager assigned to your region: Marc Brown: Red River, MidSouth, MidCentral Madison Meeker: New England, Southeast, Mid-Atlantic Carson Thomas: Keystone, Ohio Valley, NW/SW 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. Do you offer dealer incentives for financing? Yes! Check out our latest monthly programs for details. US Retail Program - November 2023 FAQ New to Yanmar Finance powered by Vibrant? It's easy to set up access to our dealer portal. First, we will set up a Vibrant bank account for your dealership. After you sign off on the paperwork, you'll get access to your online bank account, and we'll email your login info for your Vibrant account and access to the Yanmar Retail Finance portal. Get started Email Yanmar Loan Programs > Call Yanmar Loan Programs Manage your Vibrant account > Cale VanGenderen Email Cale SVP, Loan Programs Kari Neff Email Kari Sales Manager Mobile: 563.514.4844 Email: mpbrown@vibrantcu.org Red River, MidSouth, and MidCentral Relationship Manager Marc Brown Mobile: 563.349.1021 Email: mmeeker@vibrantcu.org New England, Southeast & Mid-Atlantic Relationship Manager Madison Meeker Mobile: 309.269.1586 Email: cthomas@vibrantcu.org Keystone, Ohio Valley, NW/SW Relationship Manager Carson Thomas Meet the team Email: slabarge@vibrantcu.org Account Manager Shawn LaBarge Email: jvoges@vibrantcu.org Account Manager Jessica Voges Email: enuci@vibrantcu.org Account Manager Emmanuel Nuci

Lock in our best rate in years until fall 2025. Earn 5.50% APY* on a 23-month CD Learn more Anywhere, anytime banking Make deposits from your smartphone or connect face-to-face with a teller during regular business hours from a vibrantLive ITM. Great rates on CDs We offer terms as short as 3 months or as long as 5 years—with rates that are going up, up, up. Open an account with as little as a $5 deposit. Member-only discounts Use your Vibrant Card to save on food and drinks at Vibrant Coffeehouse and Kitchen —and get ready for big surprises at Vibrant Arena. A stronger community We're committed to creating opportunities for local entrepreneurs and supporting organizations like Junior Achievement of the Heartland. What's in it for you? Add a Title Learn more Lock in our best rate in years until fall 2025. Earn 5.50% APY* on a 23-month CD How can we help you? Checking Savings Credit cards CDs Checking No monthly maintenance fee or minimum balance requirement. Includes free mobile deposit, credit monitoring, and you can use Apple Pay and Google Pay to make cash purchases. Open an account Open an account ​ ​ No monthly maintenance fee or minimum balance requirement. Includes free mobile deposit, credit monitoring, and you can use Apple Pay and Google Pay to make cash purchases. Checking Open an account *APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Rates as high as 4.50% APY* on balances up to $15,000 or over $1,000,000 Your Vibrant membership starts with a $5 deposit to your membership savings account—but why stop there? Whether you're working to build your nest egg or maximize your earnings on the cash you already have, we've got a solution for you. Savings Get started *APR = "Annual Percentage Rate" Rates as low as 9.900% APR* Increase your spending power with a Vibrant Credit Mastercard® and save 20% on food and beverages when you use it to pay at Vibrant Coffeehouse and Kitchen . Credit cards Learn more *APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Rates as high as 5.50% APY* Boost your rate of return on savings with a certificate of deposit with terms as short as 3 months or as long as 5 years. CDs Make deposits from your smartphone or connect face-to-face with a teller during regular business hours from a vibrantLiveITM. Anywhere, anytime banking We offer terms as short as 3 months or as long as 5 years—with rates that are going up right now. Open an account with as little as a $5 deposit. Great rates on CDs Use your Vibrant card to save on food and drinks at Vibrant Coffeehouse and Kitchen —and get ready for big surprises at Vibrant Arena . Member-only discounts We're committed to creating opportunities for local businesses and entrepreneurs and supporting organizations like Junior Achievement of the Heartland . A stronger community What's in it for you? Open an account from anywhere Get started Got 5 minutes and an internet connection? Then you're ready to open a Vibrant account. All you need is: Your government-issued ID/driver’s license/state ID or passport (make sure the address is current) Your complete physical and mailing address Social Security Number Date of birth Open an account from anywhere Get started Got 5 minutes and an internet connection? Then you're ready to open a Vibrant account. All you need is: Your government-issued ID/driver’s license/state ID or passport (make sure the address is current) Your complete physical and mailing address Social Security Number Date of birth Learn more Download the free Vibrant mobile app to access our credit monitoring tool! Track changes in your credit score, see how future purchases or payments will affect your score, and get customized lending offers to help you save money. It's just one of the great tools available from your phone. Our app also includes access to secure messaging, mobile deposit, and 24/7 bill pay. Keep tabs on your credit score Is a certificate of deposit (CD) right for you? Right now, CDs are paying their highest rates in more than 20 years—and they’re a safe, secure way to keep your nest egg growing. Read more > Why Vibrant is turning its Bettendorf branch into a coffeehouse This summer, Vibrant begins construction at its Bettendorf branch to create something new—a convenient place to do your banking that is also a full-service restaurant. Get the lowdown > What we're talking about

Get Premier Checking That could add up to nearly $1,000 a year—and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Earn 4.00% APY* on your checking balance up to $24,999 Which account is right for you? See rates *APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. **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. $ 0 – $24,999 4.00% Premier Checking** Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% Checking Account Rates Open a checking account High-Yield Checking! Earn 4.00% APY* on balances between $0 and $24,999 Features Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen Fee-free ATMs at 55,000+ locations nationwide Free credit monitoring, including access to your credit score No monthly service fees No penalties or minimum balance requirement No direct deposit requirement No debit card transaction requirements No hoops to jump through, just the high rate you deserve! Premier Checking Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen Features Fee-free ATMs at 55,000+ locations nationwide Free crediting monitoring, including access to your credit score Everyday Checking Get everything you want in a checking account—nothing more, nothing less. No debit card transaction requirements No penalties or minimum balance requirements The closest branch is as near as your phone Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Apple Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Android FAQ What is Vibrant’s routing number? The Vibrant Credit Union routing number is 271183646. How do I prevent transactions from being blocked while I’m traveling? To protect your account from fraudulent transactions, we automatically block card transactions beyond a certain distance from your home. If you’re traveling to a different state or country, you can let us know in advance to avoid any inconvenience. Call 800-323-5109 during regular business hours. After hours and on weekends, select option 2 from the menu. You can also send a message through your online account or via our mobile app. 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. Is there a limit to how much I can deposit via mobile deposit? The maximum amount you can deposit each day is $5,000. I’ve been locked out of my online account. What do I do? If you’ve tried to log in unsuccessfully too many times, the system will automatically lock your account. Contact us for a reset. We can also tell you how to confirm your user name or reset your password.

What is my Vibrant routing number? 271183646 ​ You'll also find it in the footer of every page of this website! ​ How do I reset my online banking password? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? Some Vibrant branches do have a licensed notary among their staff, but unfortunately, it’s not a service we can guarantee will be available at all hours or at every location. If you do bring a document to be notarized at one of our branches, you will also need to bring someone with you to witness the document, as Vibrant employees cannot serve in that capacity. If we’re not able to help, notary services are also frequently available at public libraries, post offices, and other government buildings. How do I order checks? The easiest way is through online banking! From your browser: Log in , then go to TOOLS and select CHECK ORDERS. From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) How do I get a replacement debit or credit card? You can get one printed instantly at any Vibrant branch . For your security, the card holder is the only person who can pick up a new card, and you’ll have to show your government-issued ID. Where can I cash in coins? Vibrant has coin machines available to Vibrant members at its Bettendorf branch , its Moline branch near SouthPark Mall, and at its Danville branch. Please visit the lobby to access the coin machine (going through the drive-thru is a good way to get your coins stuck in our tube!). When will my deposit appear in my account? If you make a deposit at a branch , it will appear in your account immediately unless there is a hold on the deposit. If you make a deposit at a Vibrant ATM , the first $225 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit. If you make a deposit through the mobile app , your deposit should appear in your account by the times listed below: Monday through Friday (all times are CT) Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. What are Vibrant's current rates? We publish rates for all our products on this website. What is Vibrant's mailing address? Send all correspondence to: Vibrant P.O. Box 1550 Moline IL 61266-1550 Most(!) frequently asked questions Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Trust and estate accounts are limited to members who already have an established relationship with Vibrant. If you'd like to set up an account, send us a secure message through your online banking account or contact us during regular business hours. Deposits How do I deposit a check? There are three ways to deposit a check: at a Vibrant branch; at Vibrant ATMs located at the Moline (South Park and Vibrant HQ ), or Geneseo branches; or via the Vibrant mobile app. Download the mobile app for Android or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit Only.” Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. When will funds from my mobile deposit appear in my account? Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting. My mobile deposit was denied—what’s the reason? It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. Make sure all payees have endorsed the check (along with the words "For mobile deposit only") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees, and be deposited into an account owned by all payees. Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial. How do I set up direct deposit? Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account. When does my direct deposit show up in my account? Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you. Why was a hold placed on my deposit? In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: Your deposit totaled more than $5,525 in a single day Your total deposit was larger than the balance available in your account Your account has been opened within the last 30 days The deposited check comes from an out-of-state financial institution If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit. Branches What hours is Vibrant open? Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays . Our branches may be open somewhat later Monday through Friday. Check the branch details for each location for exact details on lobby and drive-thru hours. Where are your branches located? Use this map to find the branch nearest you, as well as surcharge-free ATMs in the area. I lost my debit and/or credit card! What can I do? First, contact us immediately so we can ensure no fraudulent transactions are approved before you get a replacement card. Replacement cards are $10 and can be printed while you wait at any Vibrant branch—or, if you're willing to wait 7–10 days for delivery, we can mail your new card to you What is my Vibrant routing number? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Trust and estate accounts are limited to members who already have an established relationship with Vibrant. If you'd like to set up an account, send us a secure message through your online banking account or contact us during regular business hours. Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? It depends. If we detect suspicious activity on your account, Vibrant will text and call you to confirm whether the transaction is legitimate. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. However, there's a common scam that has affected some of our members that you should be aware of—"spoofing." Your Caller ID may show Vibrant's name or phone number, but the call might actually be coming from a scammer. Or you may receive a text that says it's from Vibrant when it's not. To protect yourself, never share the following information with any unsolicited contact: Your credit or debit card number Your Vibrant account number Your full Social Security Number Your PIN Your online banking username and/or password In addition, if someone texts you a link and tells you to click it to confirm or deny your transaction, DON'T CLICK IT. Vibrant will not ask you to provide a confirmation number that we sent you to confirm a transaction, and we will never disclose the items you purchased. If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking. What is the periodic finance charge on my credit card statement? That’s the amount of interest that has accrued on your balance since your last statement. If you don’t pay your balance in full each month, you will be charged interest on the amount of your remaining balance. Please note—per the terms of your Mastercard account agreement , both cash advances and balance transfers will be charged interest as soon as those charges are made. Regular purchases have a grace period before interest begins to accrue. How do I transfer money from Vibrant to another financial institution? The easiest way is through your online account. First, link the external account where you want to send money to your Vibrant account. Whether you use the mobile app or online banking to add an external account, we will verify the information is correct by making two small deposits into that external account and ask you to verify them from your Vibrant account. You’ll also receive a call from our fraud team to confirm that you wish to connect to this external account. How do I set up automatic payments? If you wish to make a recurring payment, choose BILL PAY from the main menu of either the Vibrant app or your online account. Set up a payee Choose ADD PAYEE, designate whether they’re a business or an individual, then whether you want to issue payment via a check, SMS, ACH (digital) transfer, or email. Enter their payment details. Set up a payment From the Bill Pay dashboard, choose your PAYEE, then choose MAKE A PAYMENT. Enter the amount of the payment you want to make, and choose the frequency (from weekly to annually and everything in between), the date when you want the first payment to be made, and the number of times you want to make payments (or, alternatively, the date when you want to stop making payments). How long does it take for a transfer from Vibrant to be deposited at an external institution? All electronic payments take about 3 to 5 business days to be completed. How do I set up online banking? Go to the login drop-down in the upper right hand corner of the Vibrant website and choose “No User ID? Enroll in online banking.” Just confirm your name, birthdate, SSN, and email address, and you’re ready to go! Help! I forgot my username and/or password for online banking. It happens to all of us occasionally! It’s easy to recover this information. On the main login screen, choose the “Forgot User ID?” or “Forgot Password?” links. How do I add my Vibrant debit or credit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit or credit card with Venmo, CashApp, PayPal, etc.? Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number). Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details. When is my loan payment due? You can see your next payment due date via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If you don’t see a due date, your next account statement has not yet been issued. Check back soon! How much is my loan payment? You can view your loan payment amount via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If the payment amount is $0, your next account statement has not yet been issued. Check back soon! I received a notice about a missing title. What should I do? If you have an auto loan through Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. You can either mail the title directly to Vibrant, or it can be dropped off at a branch. If you purchased the vehicle through a dealership and they were responsible for sending the title to Vibrant, contact them to see if they’ve sent the title yet. Our mailing address is P.O. Box 1550, Moline IL 61266-1550. I received a notice about auto insurance. What do I need to do? While you're paying off your Vibrant auto loan, we need proof of full coverage insurance on the financed vehicle. You can share the declaration page from your insurance agent. If you currently do not have insurance or have a lapse of insurance, talk to our partners at Vibrant Insurance ! We may be able to help you find a great rate. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? Call Route 66, your extended warranty provider, at (800) 808-0828. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto or personal loan? You can apply online or contact our member service center if you need assistance filling out the application or have questions. What is the fee for skipping a loan payment? It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing. What hours is Vibrant open? First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.) If you receive a letter from Vibrant telling you your debit or credit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically). I received a call/text/email about fraud on my card. Is this legit? It might be! Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information: Your account number Your card number Your PIN Your online banking username and/or password Your full Social Security Number If in doubt, don't hesitate to contact us or send a secure message through online banking. Debit & credit cards ACH transfers & payments Online & mobile banking Loans Fraud

How We Protect Your Money ​ When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? ​ Security The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Government protection IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars – and maybe even more. Your retirement is covered For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage. Using more accounts for more coverage

Your online banking is changing Dashboard Your dashboard is the first screen you see when on log in. To navigate further, you access the menu on the left side of the screen. Previously Your main menu is now at the top of your screen. To get back to your dashboard, select the Dashboard tab at the far left. New You access account information from the menu on the left side of your screen. You can tell you’ve selected that screen because the menu icon is purple. Previously You can view your accounts by selecting the Accounts tab at the top of your screen. While you’re on that screen, the title will be in bold type. New Accounts You can set up or review fund transfers by accessing the Transfers icon on the left side of your screen. You can tell you’ve selected that screen because the menu icon is purple. Previously New You can set up or review a fund transfer by selecting the Transfer tab at the top of your screen. While you’re on that screen, the title will be in bold type. Transfer You can set up a one-time or recurring payment by accessing the Bill Pay icon on the left side of your screen. You can tell you’ve selected that screen because the menu icon is purple. Previously You can set up a one-time or recurring payment by selecting the Bill Pay tab at the top of your screen. While you’re on that screen, the title will be in bold type. New Bill Pay We’ve taken most of the items that used to be located under More in the left side menu and placed them in the top main menu under the Tools tab. It’s where you’ll find your custom budgets, credit tracker, and e-statements. It’s also the place to manage your alert preferences and other account settings. Introducing Tools NEW Tools Tab

Services Coin machine Night drop Deposit-taking ATM Branch lobby open Drive-thru open Lobby hours Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-5:00pm Sat Closed Sun Closed Lobby Hours Drive-thru hours Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-6:00pm Sat 8:30am-12:00pm Sun Closed Drive-thru hours Get directions (800) 323-5109 4400 16th St Moline, IL 61265 United States Moline, IL FAQ I've submitted an application. What next? Change the text and add your own content, including any information that is relevant to share. Are there many opportunities to grow? This is a paragraph where you can include any information you’d like. It’s an opportunity to tell a story about the company. How long will. I have to wait to become eligible for benefits? Describe a feature you’d like to share about this company or highlight a particular service it offers. Will I be eligible for vacation/PTO hours during my first year of full-time employment? Describe a feature you’d like to share about this company or highlight a particular service it offers. FAQ All the usual benefits, without the usual lengthy waiting period before they kick in Medical, dental, & vision insurance 401(k) match (up to 6% of your salary) Paid time off The expected Learn more Some things you might expect from a credit union, plus a few you wouldn't $100 toward closing costs on a Vibrant HELOC (home equity line of credit) Flexible schedules & locations for most positions Business casual dress code Work in our new state-of-the-art corporate headquarters, conveniently located beside Vibrant Coffeehouse and Kitchen The unexpected

Which savings account is right for you? No transaction limits Savings with no monthly maintenance fees Dividends paid monthly Your interest rate increases as your balance grows 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. Get Everyday Savings Get Preferred Savings 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 insuranc 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. Get Premier Savings Get Elite Savings See more rates ^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. 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% 1.00% 1.00% $200,000 – $249,999 0.01% 2.00% 1.00% 3.00% 4.00% 1.00% 2.00% $250,000 – $499,999 0.01% 2.00% 1.00% 3.00% 4.25% 4.00% 2.00% $500,000 – $999,999 0.01% 2.00% 1.00% 3.00% 4.25% 5.00% 2.00% $1,000,000+ 0.01% 2.00% 1.00% ​ 3.00% 4.50% 5.00% 2.00% *APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. **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. Get Preferred Savings 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. Open an IRA 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 September 12, 2023. **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 Is there a limit on the number of fee-free transactions I can make through my savings account each month? There’s no limit, though with some accounts (like an IRA savings account), there may be limitations on when you can make withdrawals. How often is interest paid on my savings account? 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. I want to set aside money for my next vacation away from my primary savings account. Can I set up a separate savings? 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). Do I need to have a high-deductible health plan to open a health savings account? 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

5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Serve all of your business banking needs If you’ve been fed the myth that credit unions offer fewer business banking services than banks, we have news for you. Whatever your needs are as a new or established business, a credit union is well equipped to handle them, from lending and checking to credit and investments. Credit unions might often have a small town feel, but they’re built to support big businesses. Credit unions are member-owned The key difference between a credit union and a bank is not their banking services. It can actually be boiled down to one word: profit. Banks are for-profit and their profits go to their shareholders. Credit unions are not-for-profit and member-owned. You might notice the difference in the rates for business loans and business lines of credit. Banks usually charge higher rates than credit unions. Credit unions are also able to offer higher yield on savings accounts. It’s their way of returning their profits back to their members. Credit union fees are designed to benefit members If you long for the days without having to pay annual credit card fees and monthly checking fees, bank with a credit union. As a not-for-profit organization, it means they have less incentive to charge their account holders with a laundry list of extra fees. In fact, Vibrant Credit Union actually charges no fees for all business accounts. If you’re a business owner, imagine how much you could save without having to pay transaction fees. Account accessibility is not a problem There’s a school of thought that bigger banks have bigger wallets to afford better technology. But even if there might have been a technology gap at one point between banks and credit unions, that gap has long since been closed. Credit unions are not blind to the fact that business owners need to be able to bank from anywhere these days. That’s why they’ve stepped up their game in terms of online and mobile banking services. So even if you’re not near one of their branches, you can still access your account, transfer funds, make remote deposits, and more. Partner with a lender that is relationship-focused and community-driven The best professional partnerships are built on personal trust. Because credit unions answer only to their members, that is where their focus lies. They want to build long-term relationships. There’s also a good chance that your average credit union has greater ties to the local community than a national brand bank. You may see them sponsoring events that benefit the local community, or making donations and offering scholarships. Credit unions have also been known to demonstrate their support for local businesses by offering small business loans. If you’re interested in learning more about what a credit union can do for your business, please get in touch with us . Next Item Previous Item

Lock in na great reate until 2025 For a limited time, earn 5.50% APY* on a 23-month CD. It’s our best rate in years—and you can get it with a $5 minimum deposit. Add a Title For a limited time, earn 5.50% APY* on a 23-month CD. It’s our best rate in years—and you can get it with a $5 minimum deposit. Lock in a great rate until 2025 Forbes Advisor “Many experts agree that there’s a good chance that CD rates will top out this year and moderate as 2024 approaches . If a recession happens in late 2023, the Federal Reserve will likely start cutting interest rates, which will drive CD rates down.” Bankrate.com “The Fed isn’t done raising rates yet, so there is more room to run on savings accounts, money markets, and short-term CDs, while long-term CD yields will peak early in 2023 .” Greg McBride, CFA, Bankrate Chief Financial Analyst Kiplinger's “Following [the July 2023] rate hike, yields on savings accounts could go slightly higher, so make sure to lock in rates while they're still high . As inflation starts to cool, rates on savings accounts could begin to level off.” Investopedia “With rates already at record highs, it's hard to go wrong with opening a top-paying CD right now . Sure, rates could inch up a bit over the coming months. But the increase is likely to be minor relative to how high CD rates have already climbed to-date.” Experts agree: It’s time to lock in a great long-term rate on a CD While many analysts expect the Federal Reserve could still raise rates slightly before the end of 2023, it’s a good idea to start looking at longer CD terms to lock in a great rate for the future. APY = “Annual Percentage Yield.” APY is accurate as of September 11, 2023. The APY on the 23-month CD is a promotional rate, which may change at any time. 23-month certificates will automatically renew into a 24-month term at maturity. $5 minimum to open account. $5 Membership Share Account required. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Open a 23-month Certificate of Deposit Why you should open a CD with Vibrant Credit unions like Vibrant are able to offer higher CD rates than most traditional banks because they’re member-owned and committed to their members rather than Wall Street. ​ Unlike many other credit unions that reserve their best rates for their biggest depositors, with Vibrant, you can start earning 5.50% APY with as little as $5. Want to maximize your earnings? Talk to us about how we can help you expand your NCUA deposit insurance limits beyond $250,000.

Apply now Not just because you'll love what you do, but also because the new Vibrant HQ has everything from a full-sized basketball court to an employees-only bar. Looking forward to going to work Add a Title Apply now Not just because you'll love what you do, but also because the new Vibrant HQ has everything from a full-sized basketball court to an employees-only bar. Look forward to going to work Get 8 hours a year to contribute to the organization of your choice. Participate in a neighborhood clean-up, help out at a community event, volunteer at a shelter. Paid time off for volunteering Every year we offer two different courses to help our employees collaborate better, prove themselves with special projects, and take their leadership skills to the next level. Leadership development Finishing up your degree? Or looking for additional training to take your performance to the next level? We’ll reimburse up to $10,000 of the cost of qualified courses. Education reimbursement Go out and make a difference Get affordable Blue Cross Blue Shield coverage for yourself, your spouse, and your family. PPO plan with low physician co-pays, savings on prescriptions, and a lower deductible HSA plan with lower monthly premium that enables you to pay out-of-pocket health costs using tax-free contributions to your health savings account Medical Save big on preventive care, major services, even orthodontics for the kids. PPO plan allows you to choose your own dentist Cover your whole family for less than $20 a month Dental Get low-cost annual vision exams plus great savings on lenses, frames, and contact lenses. Includes laser vision correction through a network of providers Cover your whole family for less than $4 a month Vision Keep yourself and your family healthy Automatically contribute to your plan each pay check, up to the IRS maximum limit. Choose between traditional (pre-tax contributions) and Roth (after-tax contributions, with no taxes when you withdraw) options Create a custom portfolio from a range of leading mutual funds from top investment firms Vibrant will match your 401(k) contribution dollar for dollar, up to 6% of your salary 401(k) retirement plan Apply now All eligible employees receive group life insurance coverage for themselves and their eligible dependents at no additional cost. Employee: Benefit pays twice your annual salary, up to $350,000 Spouse: $10,000 benefit Children: $5,000 benefit Basic life/AD&D insurance You can also purchase additional life insurance, based on your age and the amount of coverage you want, for yourself and your family Employee: Up to $500,000 (in increments of $10,000 only) Spouse: 50% of employee coverage, up to a maximum of $150,000 Children: $1,000 - $10,000 (in increments of $1,000) Supplemental life insurance Prepare for a secure financial future