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  • Vibrant Credit Union | High-Yield Savings and Checking Accounts

    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 4.00% APY* ​ on balances up to $24,999 Vibrant 0.22% APY* Average U.S. Bank 0.15% APY* Average U.S. Credit Union 5.00% APY* ​ Vibrant 13-month CD 2.33% APY* Average U.S. Bank 1-year CD 3.26% APY* Average U.S. Credit Union 1-year CD * 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. ​ Vibrant 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.

  • Disclosures | Vibrant Credit Union

    Disclosures Members Member Service Agreement Rates and Service Charges (updated 07.09.2024) 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 07.19.2024) Master ACH Agreement for Businesses Business Online Banking Account Access Agreement and Disclosure Statement Other IDFPR – Notice Regarding the Community Reinvestment Notice Security and Refund Policy

  • Member Page | Vibrant Credit Union

    We can’t find the page you’re looking for This page doesn’t exist. Go to Home and keep exploring. Go to Home

  • Member-Only Offers | Vibrant Credit Union

    The Vibrant Advantage Exclusive deals and discounts for Vibrant members only Not to brag, but you're kind of a big deal. Your Vibrant membership has granted you access to the VIP line. Check your inbox often for new offers and exclusive advantages. Not a member yet? We can fix that. Open an account New offers coming soon! New offers coming soon! Summer Jam 24 Vibrant Advantage: $20 tickets for Vibrant members. Check your email for details! ENCORE! Membership Vibrant Advantage: 50% off membership Featured Offers

  • Rates | Vibrant Credit Union

    Rates These rates are effective as of July 3, 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 membership savings Business money market Community checking Community savings Back to top Ready to make your money work harder? Open a checking account . *APY = "Annual Percentage Yield." APYs accurate as of July 3, 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% 3.50% 0.50% $50,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $100,000 - $199,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $200,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $250,000 - $499,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $500,000 - $1,000,000 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $1,000,000 + 0.05% 2.00% 1.00% – 4.50% 3.50% 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 July 3, 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 0.15% 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 $250,000. 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 June 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 July 3, 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 Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. *APY = “Annual Percentage Yield.” APYs accurate as of July 3, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* $100+ 0.005% $0 – $99.99 0.00% Business Membership Savings 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 July 3, 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 July 3, 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 July 3, 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 Back to top Are you a small or mid-sized business looking for a higher yield on your savings? Talk to a relationship manager about a community checking account. *APY = “Annual Percentage Yield.” APYs accurate as of June 10, 2024. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* $0 and up 3.50% Community Savings Rates Back to top Are you a small or mid-sized business looking for a checking account that earns interest? Talk to a relationship manager about a community checking account. *APY = “Annual Percentage Yield.” APYs accurate as of June 10, 2024. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking 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* $50,000+ 1.00% $0 to $49,999.99 3.00% Community Checking Rates

  • CDs | Vibrant Credit Union

    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 July 3, 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 0.15% 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 $250,000. 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 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, 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.

  • Earn 5.00% APY on a 30-Month CD | Vibrant Credit Union

    Lock in a 5.00% APY* return until nearly 2027. For a limited time, fight back against interest rate uncertainty with our 30-month CD. Get started Believe us, we looked. We don't think you'll find a better deal on a 30-month CD. Open a CD 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 Our strategy is simple $5 minimum deposit Sure, there are a lot of great CDs available. But the best rates often come with a catch—a minimum opening deposit in the mid-four figures. That's not our style. No hoops to jump through We don't require you to have a "relationship" with us to qualify for our highest rates (though if you're a fan of high APYs, you might want to check out our high-yield checking and savings accounts). Your money stays local Hey, you're not dealing with some faceless corporate bank. You're keeping your money in your own community, where it supports local jobs, local organizations, and initiatives that make life better for all of us. We find the highest rates available from other banks and credit unions. And then we blow them away. Open an account online in minutes or call 563-748-4141 to talk to our CD experts. Lock in a great rate now Check out our other CDs Rates current as of May 13, 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 0.15% 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 $250,000. 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 this rate be available? This rate is available only for a limited time. Open an account now and you'll lock in a great rate for the next 2.5 years—no matter what the Fed decides at its next meeting. 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. Is my account federally insured? Yes! Every Vibrant account holder's deposits are insured up to $250,000 through NCUA. Want to deposit more? Talk to us about simple strategies to maximize your NCUA coverage or about purchasing additional insurance. Is there a maximum deposit? There is no maximum, but be aware that your deposit is insured up to $250,000 per account holder by NCUA. Talk to one of our deposit experts about strategies for protecting your cash beyond the NCUA limit. What happens when my 30-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 30-month certificate at the rate in effect at that time. Do I have to live or work near a Vibrant branch to open a 30-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.

  • 9 month CD Promo | Vibrant Credit Union

    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. Maximum deposit of $250,000; limited to new deposits only. 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 13, 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 0.15% 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 $250,000. 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 $250,000? Each member can open a maximum of two (2) 9-month CDs, each with a maximum deposit of $250,000. 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.

  • Earn 4.00% APY with Premier Checking | Vibrant Credit Union

    Open an accont online With Premier Checking, you can turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 You've never seen a checking account like this before Get all the perks, including free online banking with mobile deposit and free credit monitoring, without paying extra. No monthly fees You don’t have to keep a large balance to earn a great rate. You’ll start earning interest with every dollar you deposit. No minimum balance requirement Unlike many high-yield checking accounts, we don’t require you to sign up for direct deposit or make a minimum number of monthly transactions. No hoops to jump through Each month, you’ll receive a monthly dividend based on your average daily balance. Get monthly interest dividends Add a Title Open an account online With Premier Checking, you can. turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 Premier Checking Rates *APY = "Annual Percentage Yield." APYs accurate as of July 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. Average Daily Balance APY* $ 0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00%

  • Why Vibrant turned its Bettendorf branch into a coffeehouse

    Why Vibrant turned its Bettendorf branch into a coffeehouse In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen. In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen . Naturally, people have a lot of questions. Here are a few answers. How does a credit union decide to start a coffeehouse? People used to choose where to bank based largely on which financial institutions had the closest branches—because every time you needed to make a deposit or get cash, you had to visit in person. Now that nearly 80% of Americans prefer to bank online, there’s a lot less need for multiple branch locations in every city. So a few years ago, we started looking at other ways we could maintain a presence in the community that went beyond traditional banking. How will the Bettendorf Coffeehouse compare to the Moline location? The menu will be the same, and the look and feel are similar—but the vibe is a little different. While our Moline location is in a mostly commercial area, the Bettendorf Coffeehouse will have more of a neighborhood feel—with a large patio and plenty of space for after-school hangouts and family gatherings. Can I bank there? One of the highlights of the new space will be a new interactive teller machine (ITM) that can handle all your banking transactions and connect you to a live representative when you need assistance. What will happen to the people who work at the Bettendorf branch? Don’t worry, we’re not going to make them learn how to brew coffee (unless they really want to!). Our branch employees will be moving into similar roles either at Vibrant HQ or at one of our other branches. Next Item Previous Item

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