What is a certificate of deposit and how does it work? What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." If you’re unfamiliar with certificates of deposit, it’s an investment tool that allows you to turn the tables on the lender. Instead of paying interest on a loan, the bank pays you interest on a deposit. What is a certificate of deposit? As the name suggests, a certificate of deposit is a deposit. You deposit a specific dollar amount with a lender, but you agree not to withdraw that deposit for a certain length of time. It could be three months, a year, or even as long as 10 years. For as long as you agree to leave the deposit with the lender, you will earn interest on that deposit. Once your certificate of deposit has reached what’s called its “maturity date,” you can withdraw that money, penalty-free. Like a cherry on top of an ice cream sundae, you’ll also get to pocket the interest. How does a CD work? The most important parts of a certificate of deposit are the interest rate and the length of the deposit. Generally, the longer you are willing to leave your deposit with a lender, the better the interest rate they’re going to offer you. CDs are an appealing alternative to a traditional savings account because the interest rates are often higher and the rates are fixed. It’s considered a safe investment tool because you’re not at the mercy of the market. CDs are also federally insured, so your deposit is protected. You also have the freedom to shop around and find the lender that offers the best CD interest rates. Is a CD right for you? Do you have a chunk of cash tucked away that you don’t need right now? Instead of collecting dust, that money can collect interest in a CD. It can grow into a bigger chunk of cash that you can then use toward a home, a car, or even a boat if you’re looking to set sail. The risk is obviously that, in the event that you find yourself in a bind, you can’t withdraw the funds without paying a penalty. So it’s best not to think of this deposit as an emergency fund. On the flip side, it can remove the temptation to spend that money. You can consider the CD as safekeeping for savings you might be tempted to spend under the right circumstances. If you’re interested in a Certificate of Deposit, get in touch with us ! The sooner you make your deposit, the sooner you can start growing that deposit into something more. Next Item Previous Item

Yes, I'm interested! Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Add a Title Yes, I'm interested! Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Want to save money? Dear Strikers Family, Our ongoing partnership with the Strikers has been an amazing experience. From watching each team take the field for the first time in their Vibrant jerseys to cheering as they distinguished themselves in competition, it's been exciting to see these kids growing in skill and ability. We're proud to be a part of an organization where players learn to be their best on and off the field—and we’re excited for what comes next. Vibrant | #bevibrant As the Strikers' corporate partner, we've worked with the organization to ensure players have access to trainers, indoor practice facilities, and great new jerseys. As the new season gets under way, we'll be pitching in to provide special try-out shirts, team photos, and unique gear for our hard-working coaches. Stay tuned for more great perks

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Help us Be The Good Join us in creating more vibrant communities across Iowa and Illinois. Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. Our story Vibrant started Be The Good Foundation to focus and grow our efforts to build and sustain thriving communities across Illinois and Iowa. Be The Good Foundation contributes both funding and volunteer manpower in projects and programs that increase financial literacy, help kids develop skills that will make them successful in their future careers, and create better, safer, and, well, more vibrant places for our friends and neighbors to work and live. Groups we support Our mission Be The Good Foundation particularly focuses on organizations and initiatives that support: ​ Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment ​ We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. ​ Some of the groups we work with include: ​ Junior Achievement of the Heartland Quad Cities Strikers Youth Soccer CASI — Center for Active Seniors ​ If you represent a youth sports team, a fraternal organization, an educational or cultural program, or other civic groups, get in touch. We'd love to hear your ideas. ​ Be The Good Foundation provides financial and volunteer support to organizations and groups that are making life better for our friends, families, and neighbors. The philosophy that guides Be The Good Foundation reaches back to Vibrant’s earliest days as a credit union, which was founded with the goal of providing working people with financial resources when few banks were willing to help them. Now, Be the Good Foundation seeks to partner with organizations with an emphasis on serving as many people as possible, regardless of religious or political affiliation or socioeconomic background. That includes youth sports leagues, fraternal organizations, educational programs, and other civic groups. Our vision Tiffany Haedt Matt McCombs Megan Anderson Amy Henderson Marsha Wolff Meet the board FAQ

Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Apply now *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. A Vibrant employee may follow up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive to your Junk/Spam folder. Processing time may take 1–2 business days. This payment skip will extend the final maturity date of your loan by one (1) month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non-real estate loan is allowed a maximum of two (2) skipped payments per 12-month period and are limited to six (6) total for the life of the loan. There must be one full payment made between skips. Loan Program loans are eligible for one (1) skip per 12-month period, after at least one initial payment on the loan has been made and are limited to three (3) for the life of the loan. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss. When you Skip-a-Pay, you pay absolutely nothing now: Your skipped payment is added to the end of your current term Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* How it works To apply, all you need is your account number and current balance: Check your inbox for confirmation and a form from DocuSign to agree to the Skip-A-Payment terms If you use autopay, make sure to adjust any scheduled payments What to expect Anyone with a Vibrant auto, personal, or Loan Program (equipment) loan can apply if: Your balance is current Auto and personal loans: It’s been more than one payment cycle since you last used Skip-a-Pay and you've skipped fewer than 6 payments total Loan Program Consumer (equipment loans): You've made at least 1 loan payment and you've skipped fewer than 3 payments total Who can apply?

Features & benefits Plus free mobile deposit, online banking, and monthly credit monitoring. 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

1. ENTRY: No purchase necessary to enter. Winner will receive two (2) tickets to see Little Big Town + Sugarland live at Vibrant Arena in Moline, Illinois, on Saturday, November 16, 2024. To enter, contestants should either comment on the indicated Facebook post (as this is a public forum, please do NOT provide any personal identifying information) or fill out the online form. 2. ELIGIBILITY: This contest is open only to legal U.S. residents. Void where prohibited by law. Contestants residing in those areas where the contest is void may participate in the contest but may not win any prizes. 3. WINNER SELECTION: One (1) winning entry that meets the indicated criteria will be chosen on November 1, 2024. 4. PRIZES: One (1) winner will receive two (2) tickets to see Dierks Bentley on Friday, September 20, 2024. The winner will be able to pick up their tickets before at the show at Vibrant's headquarters at 6600 44th Avenue, Moline IL 61265. 5. WINNER NOTIFICATION: Winner will be notified via Facebook Messenger and will have 24 hours to respond before another winner is picked. 6. NOT ENDORSED BY META, FACEBOOK, OR OTHER SOCIAL MEDIA: By participating in this contest, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with, Facebook and release Facebook from all liability arising from or related to this contest. 7. CONDUCT: All contest participants agree to be bound by these Official Rules. Vibrant in its sole discretion reserves the right to disqualify any person it finds to be tampering with the entry process, the operation of its website or is otherwise in violation of these rules. All contestants participating agree to obey all laws and to conduct themselves in a safe and appropriate manner. Vibrant reserves the right to cancel, terminate, modify or suspend the event if in its sole discretion there are any unsafe acts or conditions. Contestants are responsible for their own actions. 8. LIMITATIONS OF LIABILITY: Vibrant is not responsible for lost or misdirected entries or for any computer, online, telephone, or technical malfunctions that may occur. If for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, Vibrant Credit Union may cancel, terminate, modify or suspend the contest. Entrants further agree on behalf of themselves, their heirs, agents and assigns, to release Vibrant from any liability resulting from, or related to their participation in the contest, or as a result of Vibrant’s negligent acts related to the contest, including but not limited to personal injury, property damage or death. Little Big Town + Sugarland Giveaway Disclaimer Enter the Contest

1. ENTRY: No purchase necessary to enter. Winner will receive two (2) tickets to see Little Big Town + Sugarland live at Vibrant Arena in Moline, Illinois, on Saturday, November 16, 2024. To enter, contestants should either comment on the indicated Facebook post (as this is a public forum, please do NOT provide any personal identifying information) or fill out the online form. 2. ELIGIBILITY: This contest is open only to legal U.S. residents. Void where prohibited by law. Contestants residing in those areas where the contest is void may participate in the contest but may not win any prizes. 3. WINNER SELECTION: One (1) winning entry that meets the indicated criteria will be chosen on November 1, 2024. 4. PRIZES: One (1) winner will receive two (2) tickets to see Dierks Bentley on Friday, September 20, 2024. The winner will be able to pick up their tickets before at the show at Vibrant's headquarters at 6600 44th Avenue, Moline IL 61265. 5. WINNER NOTIFICATION: Winner will be notified via Facebook Messenger and will have 24 hours to respond before another winner is picked. 6. NOT ENDORSED BY META, FACEBOOK, OR OTHER SOCIAL MEDIA: By participating in this contest, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with, Facebook and release Facebook from all liability arising from or related to this contest. 7. CONDUCT: All contest participants agree to be bound by these Official Rules. Vibrant in its sole discretion reserves the right to disqualify any person it finds to be tampering with the entry process, the operation of its website or is otherwise in violation of these rules. All contestants participating agree to obey all laws and to conduct themselves in a safe and appropriate manner. Vibrant reserves the right to cancel, terminate, modify or suspend the event if in its sole discretion there are any unsafe acts or conditions. Contestants are responsible for their own actions. 8. LIMITATIONS OF LIABILITY: Vibrant is not responsible for lost or misdirected entries or for any computer, online, telephone, or technical malfunctions that may occur. If for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, Vibrant Credit Union may cancel, terminate, modify or suspend the contest. Entrants further agree on behalf of themselves, their heirs, agents and assigns, to release Vibrant from any liability resulting from, or related to their participation in the contest, or as a result of Vibrant’s negligent acts related to the contest, including but not limited to personal injury, property damage or death. Little Big Town + Sugarland Giveaway Disclaimer Enter the Contest

Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds . (“SMS” and “phishing” equals “smishing.” Get it?) There are all kinds of text scams going around—free vacations, text “XXXXX” to donate to disaster relief—but the most common are focused on stealing your personally identifiable information, including account logins and passwords, Social Security numbers, security codes, birthdates, and more. Often, the senders impersonate reputable brands, like Microsoft, Amazon, or the financial institution where you bank, to gain your trust. Smishing is effective because the messages are short (so there’s less opportunity to say something that sounds fake) and because it’s hard to preview a link without clicking on it. Further, many mobile numbers are available in public databases, making it easy for scammers to hit up a bunch of potential victims without a lot of effort. 3 smishing warning signs Pay extra attention to texts that include: Links to websites. While there are times when legitimate senders will include a link in their message (for instance, Hy-Vee wants give you access to the receipt for your online order), most senders will tell you to call (and you should verify that number belongs to the sender before you do!) or ask you to reply to the message. Blocked, unknown, or incorrect Caller IDs. If you can’t see who’s sending the message, there’s a good chance it’s an attempted smishing attack. Appeals to respond quickly. Scammers don’t want you to think before you act. So they rely on messages designed to make you feel as though you’re at risk. How to respond if you're being smished Don’t reply “STOP” if it’s offered as an option. When you do, you confirm to the scammer that they’ve reached a valid number with an attentive person on the other end. This particular conversation may stop, but you’ll likely be hearing from them again. Don’t give out any personal information. No reputable organization will request your date of birth, Social Security Number, address, or payment information via text. Report scam texts to your mobile phone company and the FTC. You can forward scam texts to your mobile provider by forwarding the text message to 7726 (that’s SPAM). And you can share your scams with the Federal Trade Commission at reportfraud.ftc.gov or call 1-877-382-4357. How to minimize your risk of being smished Actively block or filter spam messages from your phone. On Android’s Messages app , click the menu in the upper right corner and choose DETAILS, then choose the BLOCK & REPORT SPAM option. On iPhone's Messages app , if you’ve opened the message, scroll to the bottom, select REPORT JUNK, then click DELETE AND REPORT JUNK. Make sure your phone software is up-to-date. Don’t put off those software updates! Back up your phone data. If you have an Android phone, it’s easy to move your photos and data to Google Drive. Apple iPhone users can use iCloud or back up to your PC or Mac via iTunes. Next Item Previous Item

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