Rates These rates are effective as of May 8, 2024. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria. Which rates are you checking? Checking Savings Certificates of deposit (CDs) Credit cards HSA IRA Business checking Business money market Back to top Ready to make your money work harder? Open a checking account . *APY = "Annual Percentage Yield." APYs accurate as of May 8, 2024. **Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking** $0 - $24,999 4.00% $25,000+ 1.50% – 4.00% Checking Account Rates Saving Accounts Rates Average Daily Balance Membership Savings Everyday Savings ^ Preferred Savings ^^ Premier Savings ^ Elite Savings ^ APY* APY* APY* APY* APY* $0-$99 0.00% 0.10% 4.50% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.50% 0.10% 0.50% $10,000 - $14,999 0.05% 1.50% 4.50% 0.10% 0.50% $15,000 - $24,999 0.05% 1.50% 1.00% – 4.50% 0.10% 0.50% $25,000 - $49,999 0.05% 2.00% 1.00% – 4.50% 2.00% 0.50% $50,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 2.50% 0.50% $100,000 - $199,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.00% $200,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.00% $250,000 - $499,999 0.05% 2.00% 1.00% – 4.50% 3.00% 4.25% $500,000 - $1,000,000 0.05% 2.00% 1.00% – 4.50% 3.00% 4.25% $1,000,000 + 0.05% 2.00% 1.00% – 4.50% 3.00% 4.50% ^Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. ^^Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. *APY = "Annual Percentage Yield." APYs accurate as of May 8, 2024. $5 Membership Share account required. Federally insured by NCUA. Ready to earn more on your money? Open a savings account . Back to top Certificate of Deposit (CD) Rates Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% *APY= Annual Percentage Yield. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. ***13- and 15-month certificates will automatically renew into a 12-month term at maturity. +For the 40-Month Bump Certificate Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 9-Month Certificate Special has a base APY of 5.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 9-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 9-Month Certificate is $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 May 8, 2024. $5 Membership Share account required. Rates subject to change without notice. Back to top Back to top Looking to supplement your healthcare coverage? Talk to us about an HSA . *APY = “Annual Percentage Yield.” APYs accurate as of May 8, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* $100 - $4,999 0.01% $5,000+ 0.01% Health Savings Account (HSA) Rates Back to top Want to ditch those monthly fees and requirements? Open a business checking account. *APY = “Annual Percentage Yield.” APYs accurate as of May 8, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Average Daily Balance APY* Business Checking Account Rates Back to top Searching for flexibility and earnings on your balance? Open a business money market account. *APY = “Annual Percentage Yield.” APYs accurate as of May 8, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Average Daily Balance APY* $100 - $9,999 0.01% $10,000 - $24,999 0.01% $25,000 - $99,999 0.01% $100,000 - $199,999 0.01% $200,000 - $499,999 0.01% $500,000 + 1.00% Business Money Market Rates Vibrant mortgages are now powered by Luminate Home Loans. Looking for mortgage rates? Learn more Back to top Ready to save powerfully for retirement? Open an IRA. *APY = “Annual Percentage Yield.” APYs accurate as of May 8, 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

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 8, 2024 Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% Open a CD *APY= Annual Percentage Yield. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. ***13- and 15-month certificates will automatically renew into a 12-month term at maturity. +For the 40-Month Bump Certificate Special, members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 9-Month Certificate Special has a base APY of 5.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 9-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 9-Month Certificate is $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.

Congrats, you're about to make a bundle. Lock in a great rate until 2025. Open your CD with a minimum deposit of just $5. Open a CD Lock in a great rate until 2024. Open your CD with a minimum deposit of just $5. Congrats, you're about to make a bundle Learn more $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates predicted to fall in the next year, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. 9-month CD Current rate up to 5.75% APY* Our 9-month CD starts with a base rate of 5.50% APY *—but you can earn a rate increase of 0.10% APY* with your Preferred Savings account OR 0.25% APY* with your Elite Savings account. 13-month CD Current rate 5.00% APY* Lock in a great rate until 2025. Your balance is insured up to NCUA limits—and we can help you maximize your deposit insurance on higher balances. 30-month CD Current rate 5.00% APY If you're expecting interest rates to start dropping in the near term, now you can lock in a great rate until late 2026. Which CD is right for you? Open a CD account CD rates Rates current as of May 8, 2024 Term APY* 8 Month++ 0.15% 9-Month CD Special (2) 5.50% 12 Month 0.15% 13 Month*** 5.00% 15 Month*** 0.50% 18 Month 0.60% 23 Month (1) 4.00% 24 Month 0.25% 30 Month 5.00% 36 Month 0.50% 40 Month Bump Up Special(+) 1.90% 48 Month 0.25% 5-Year Add-On Certificate** 0.80% *APY= Annual Percentage Yield. **During the term of the Add-On certificate , you may make deposits of $5 or more at anytime. *** 13- and 15-month certificates will automatically renew into a 12-month term at maturity. +For the 40-Month Bump Certificate Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 9-Month Certificate Special has a base APY of 5.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 9-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 9-Month Certificate is $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 withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the sam term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose, you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it can therefore earn more interest than you’d earn with a savings account. ​ In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

Disclosures Members Member Service Agreement Rates and Service Charges (updated 05.08.2024) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice ​ Business Members Business Service Agreement Business Rates & Service Charges (updated 04.01.2024) Master ACH Agreement for Businesses Other IDFPR – Notice Regarding the Community Reinvestment Notice Security and Refund Policy

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

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Schedule an appointment with a banker Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Open a checking or savings account Schedule a one-on-one meeting with a Vibrant banker to open a checking or savings account. Choose the date and time that works best for you! Make an appointment > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Speak face-to-face with a member of our banking team to open a new account, get a financial review, or update your account information. Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment >

Increase your financial flexibility by opening an IRA. Make retirement planning less taxing Contact an advisor Choose the type of account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution As of 2023, you can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. How a traditional IRA works Make retirement planning less taxing Increase your financial flexibility by opening an IRA Contact an advisor Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit. Invest as little as $5 and for as short a period as 3 months. See rates

*No obligation quote. Vibrant Credit Union’s Property and Casualty Insurance Program is made available through Your Insurance Services LLC (DBA Vibrant Insurance and Investment Services LLC) and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured by the NCUA. This coverage is not sold or guaranteed by Vibrant Credit Union. Investment risk involved, including possible loss of value. First name* Last name* Email* Phone Number Estimated mileage Submit We’ll review policies from 20 leading insurance companies to find the one that’s right for you. Start your free, no-obligation quote

Plan your financial future with an expert Be ready for anything with the help of our investment advisors. Contact an advisor We're talking serious green Get the CD that's here for a good time, not a long time. First, we’ll talk—about your life, what you want to accomplish, and how long it will take to get there. If we can help, we’ll keep talking. If we’re not the right fit for your needs, we’ll recommend other options that will work better for you. Next, we’ll put together a custom portfolio that reflects your timeline, tolerance for risk, and other priorities. We’ll continue to meet with you regularly to review your portfolio’s performance, talk about your current needs, and ensure your investments continue to align with your objectives. How we work with you Wealth preservation Stable growth Aggressive growth Wealth preservation Investments to consider Bonds Fixed annuities Treasury bills Risk tolerance Low Get in touch How can we help you? Calculate your savings Planning for retirement? We can help you choose the best IRA for your situation. You can contribute up to $6,500 a year ($7,500 if you're older than 50). Traditional IRA No penalty on withdrawals once you reach the age of 59½ Funds can be held in a savings account or a certificate of deposit Required minimum distributions after age 72 FAQ Do I need to be a Vibrant member to get financial and investing advice? Not necessarily—though many of our investment clients enjoy the convenience of having all of their accounts with a single institution. We work with clients across the United States; talk to us to see if we’re a good fit for you. How do you charge for your advising services? Because there’s no single investment model for all our clients, what you pay ultimately depends on the mix of products and services you choose. Our focus, however, isn’t generating sales. It’s building a relationship where you feel confident you’re getting advice you can trust, whether that’s buying, selling, or staying the course. I have multiple retirement accounts from previous employers. What are my options? This is an increasingly common scenario for people a decade or more into their careers. We can not only help you consolidate your savings and make it work harder, but also enable you to keep contributing to your retirement savings. Can you help with my estate planning? Yes! Ultimately, the most successful investment strategy not only ensures you don’t run out of money during your lifetime but makes sure what you leave behind has the greatest impact. FAQ

Imagine saving $600 a year We work with the nation's top insurers to find members the right coverage at the best price—saving them an average of $600 in annual premiums. Get a no-obligation quote Why shop for insurance with Vibrant? We’ll help you find the right coverage at the right price because we compare policies from multiple leading insurers You’ll get fast, personal service from a dedicated team of agents—our priority is always your satisfaction, not the bottom line Members save an average of $600 a year on premiums Imagine saving $600 a year We work with the nation's top insurers to find members the right coverage at the best price—saving them an average of $600 in annual premiums. Get a no-obligation quote Find out if we can save you money Whether you rent or own, protect yourself and your belongings against theft, fire, weather damage, and other hazards. Talk to us if you're: ​ Moving to a new home Concerned you don't have adequate protection Want to find out if you can save money Home Get a quote Save money based on your driving record, your annual mileage, or by bundling your coverage. Talk to us if you're: ​ Trading in a vehicle Worried your rates will rise after an accident Adding a young driver to your coverage Vehicle Get a quote You know you need it. We've made it easy to find the right coverage at every stage of life. Talk to us if you're: ​ Getting married or expanding your family Looking for more affordable coverage Not sure how much life insurance you need Life Get a quote FAQ How do I add or change a vehicle? Get the Vehicle Identification Number (VIN) of your new vehicle and contact us at 309-623-4196 . We’ll take care of everything else. How do I request a new insurance ID card? If you’ve set up an online account with your specific carrier, you should be able to download and print a copy from their website. Otherwise, contact us at 309-623-4196 or email vibrant_service@vibrantinsurance.com .