Find affordable options on mortgage and refinances through Mortgage Center, a credit union-owned mortgage company. See current rates. Get a great rate on your new home Financing a home is easier than you think with help from Mortgage Center. Get started Meet the homebuying experts at Mortgage Center Vibrant is pleased to introduce you to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Local knowledge Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Affordable rates & fees There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Education & guidance Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Fast, convenient closings Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Today's rates See all mortgage rates * APR = Annual Percentage Rate. APR is accurate as of today's date and is subject to change without notice. Rates and terms vary based on credit profile, loan amount, and property type. All loans subject to credit approval. Get a great rate on your new home Financing a home is easier than you think with our partners at Mortgage Center. Get started Talk to Mortgage Center Wondering how much money you'll need to purchase a home? Or whether you even qualify for a home loan? No matter where you are in the homebuying process, Mortgage Center is ready to help. To get started, submit the form below. Don't worry, this isn't an application—just the start of a conversation.

According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Previous Item Next Item

Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Moline, IL — February 26, 2026 Be The Good Foundation proudly presented its inaugural grant to Living Lands & Waters , marking an exciting milestone in the Foundation’s mission to strengthen and serve our communities. Living Lands & Waters, a nationally recognized environmental nonprofit dedicated to river cleanups, watershed conservation, and community engagement, was selected as the Foundation’s first grant recipient in recognition of its meaningful impact and ongoing commitment to protecting natural resources. The $500 grant was formally presented during a check ceremony with representatives from both organizations. The event celebrated a shared commitment to service, stewardship, and creating positive change. “Launching Be The Good Foundation with Living Lands & Waters as our first recipient reflects exactly what we stand for — action, impact, and community,” said Tiffany Haedt, President of Be The Good Foundation. “We are proud to support organizations that are making a tangible difference.” Be The Good Foundation was established to invest in initiatives that uplift communities, support meaningful causes, and embody the spirit of doing good in both big and small ways. Now Accepting Grant Applications Be The Good Foundation invites nonprofit organizations and community groups to submit grant requests via the Vibrant Credit Union website. Organizations with missions aligned to community improvement, service, and positive impact are encouraged to apply. To learn more or submit a grant request, visit the Be The Good Foundation page . Together, we can continue to build stronger communities — one act of good at a time. About the Be The Good Foundation Be The Good Foundation, founded by Vibrant Credit Union, supports programs that expand financial literacy, empower young people with life and career skills, and strengthens communities. The foundation operates with a simple belief: when you put more good into the world, the world responds in kind. About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union built on strong roots and a forward-looking mindset. Vibrant delivers competitive deposit rates, intuitive digital banking, and fast, flexible money movement designed to make everyday finances easier. Beyond products, Vibrant is deeply committed to giving back — supporting nonprofits, strengthening communities, and championing its call to Be The Good through meaningful partnerships and measurable impact. Because great financial tools matter, but what you do with them matters even more. Previous Item Next Item

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Find the right credit card for your needs. Choose from low-interest credit cards, cashback credit cards, travel rewards credit cards, and more. Apply now. Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards More cards, more options Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, there's a card to help you do it. Whichever you choose, you can count on these great features. Accepted at millions of locations worldwide Mobile purchasing for added convenience Zero Fraud Liability* You won't be liable for fraudulent purchases when your card is lost or stolen. 24/7 cardmember services Find the right card *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Frequently asked questions Where do I send my credit card payment? Starting in March 2025, Elan Financial Services will handle service and processing for all Vibrant Mastercard accounts. Watch your mailbox for communications from them about your account. Access your account now . I already have a Vibrant Mastercard, but I'm interested in a different rewards program. Can I change cards? You can choose from a variety of cards and rewards programs based on your interests and financial needs. Explore all your card options . Where can I find your interest rates? See the latest rates on all your credit card options to find the one that's best for you. Is there an annual fee for these credit cards? Most of our new credit card options are available without an annual fee. However, some premium rewards programs may charge a fee. Get the details . What if my credit history isn't that great? Check out the Vibrant Secured Card and see if it's a good fit for your situation. It's a great way to start building or improving your credit history.

New to Wacker Neuson Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Wacker Neuson's exclusive loan processing and servicing partner for individual consumer and small business 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 Wacker Neuson 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? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. 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 in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Wacker Neuson 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? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or 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! See above to find your RM! 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.

To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” 5 money-saving tips for college graduates To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” Here are five simple tips for how to stay on top of your savings after you graduate college. Start with a simple budget You can certainly keep a running list of expenses and then add it up at the end of the month to see if you spent less than you earned, but making a budget might be more helpful. Consider the 50/30/20 approach to budgeting. Set aside 50% of your budget for your “needs” like rent, utilities, and groceries, 30% for your “wants” like road trips, tickets to concerts, and pizza on Friday nights, and the last 20% for savings. The idea is to figure out how much you have to spend on what you need, so that you know how much you can afford to spend on what you want. Make your student loan payments According to the most recent statistics, about 45 million Americans have student loan debt. If you’re one of them, the sooner you start making payments, the better off you’ll be. Most student loans have a six-month grace period after graduation, but you’ll save on interest if you can start paying off that debt sooner. Most importantly, make sure you are making your payments on time. If you have federal student loans and are struggling to make payments, it might be worth considering applying for an income-driven repayment plan. Work on building your credit Need another reason to make your student loan payments? Well, aside from the fact that that debt isn’t going anywhere unless you start paying it off, making payments helps build your credit. It’s an opportunity to show lenders that you are a responsible borrower, improving your chances of being approved for a mortgage or a car loan. You should also explore other ways to build your credit, like applying for a credit card. Just remember to spend responsibly! Keep enough in your savings for emergencies Not all savings is for retirement. And considering you’re a recent college graduate, it’s safe to say retirement is probably not in your immediate future. Savings at your age is about creating breathing room, because a budget will only get you so far before an unexpected expense wrecks your budget. You can start by aiming to save at least 20% of your paycheck and setting it aside in a high-yield savings account. Consider that your emergency fund. If you can reach the point where you have at least $500 set aside for emergencies, you’ll have a great start. Understand the basics of investing The next best thing to saving your money is investing it. Now before you start dreaming about trading on Wall Street, there are simpler ways to invest than buying individual stocks. You can invest your income in a retirement account like a 401(k) or IRA, allowing your money to grow over time due to compound interest. Retirement may be in your distant future, but your future self will almost certainly be thankful you invested as early as you did. If you are interested in learning more about how you can start saving post-graduation, please get in touch with us . The learning never stops, even after college! Previous Item Next Item

With interest rates high, now is a great time to consider adding a CD to your financial portfolio. Is a Certificate of Deposit (CD) right for you? With interest rates high, now is a great time to consider adding a CD to your financial portfolio. You shouldn’t expect to become fabulously wealthy by opening a Certificate of Deposit (CD). But if you’re looking for a safe place to earn a guaranteed return on your savings, right now is a great time to consider adding a CD to your financial portfolio. With interest rates rising, many CDs are paying the highest rates consumers have seen in more than 20 years. How is a CD different from an ordinary savings account? In simple terms, a Certificate of Deposit is a type of savings account—one that pays higher interest on your balance in exchange for your promise not to withdraw any funds for a set period of time, which at Vibrant can range from 3 months to 5 years. Further, so long as your deposit balance doesn’t exceed NCUA insurance limits ($250,000 in total deposits per account holder at a single credit union), those returns are guaranteed so long as you don’t need to withdraw your cash early—and it never hurts to have an extra level of assurance considering recent volatility in the banking sector . Talk to us if you’re interested in depositing more than $250,000 for cost-free strategies for maximizing your deposit insurance coverage. The kinds of people who should consider investing in a CD If your current financial goals fall into any of the following categories, a CD might be the right solution for you. You’re saving for a short-term goal If you’ve been setting aside money for a down payment on a home, a new car or boat, a dream vacation, or a wedding, then putting your savings in a CD is a good way to grow your nest egg faster without committing to a long-term investment. You want to jump-start your retirement savings Even if retirement is a long way off, you can invest in an IRA CD at any age—and, right now, potentially earn a better rate of return than you would through your 401(k). With an IRA CD, your investment itself is tax-deductible (similar to the way that 401(k) contributions are made with pre-tax dollars). And, unlike a conventional CD, an IRA CD enables you to put off paying taxes on the interest income you earn until it’s time to make a withdrawal from your retirement plan. You can even roll over your IRA into a different retirement savings plan without tax penalties once your 401(k) starts earning more. You want to protect your cash against inflation When inflation is high, the value of your savings decreases. Putting your savings into a CD can help protect your money by locking in a fixed interest rate until the economy improves. You want a safe and secure place to park your savings CDs are a low-risk way to grow your money. The interest rate is fixed, so you know exactly how much money you will earn. Further, Vibrant CDs are insured by the NCUA, which means your money is protected up to $250,000 per account holder (and you can talk with a banker about strategies to maximize your NCUA coverage if you want to invest more). You want a great rate but don’t have a lot of money to invest While many financial institutions require a minimum deposit amount in the four figures to get their best CD rates, all of Vibrant’s CDs are available with a minimum $5 deposit. The bottom line Before you put your savings in a CD, think carefully about when you will need to access the money you’re setting aside. All financial institutions charge some kind of early withdrawal penalty if you need to close a CD before it reaches maturity—up to and including giving up all the interest you’ve earned to date. Once you decide how long you can afford to set aside your savings, compare your options to find the term and interest rate that work best for you. See Vibrant’s current CD rates, then reach out to one of our personal bankers for help opening an account or open an account online . Disclosures Before you open a Certificate of Deposit, be aware that there may be penalties imposed if you withdraw your money before the end of the term. Unless you specify otherwise, Vibrant's certificates will automatically renew at the end of the term—the 13-month CD automatically renews into a 12-month CD at maturity. Vibrant will contact you before your CD reaches maturity to help you choose not to renew or if you'd prefer to renew for a different term. All Vibrant CDs are federally insured by NCUA. Previous Item Next Item

Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up For a long time, earning higher interest meant giving something up. Usually, that meant locking your money away in an account you couldn’t easily access. But that tradeoff isn’t as necessary as it once was. The Tradeoff People Assume Exists Many people believe: If you want higher returns, you need to lock your money up If you want access, you have to accept lower interest That used to be true—but it’s not the full picture anymore. Why You Don’t Have to Lock Your Money Away Today, there are savings options designed to give you both: Competitive interest rates Easy access to your money This means your cash can stay flexible while still working for you in the background. What to Look for Instead If your goal is to earn more without sacrificing access, focus on accounts that offer: Strong, competitive rates No unnecessary restrictions Easy transfers when you need your money A high-yield savings account is built around exactly this idea. Explore flexible savings options: High-yield savings account A Smarter Way to Think About Savings Instead of choosing between access and earnings, you can prioritize both. Your money should be: Available when you need it Growing when you don’t That balance is what makes modern savings strategies more effective. The Bottom Line You don’t have to lock your money away to earn more on it. With the right account, your savings can stay flexible while still delivering meaningful returns. See how your savings can work harder—without losing access: High-yield savings account Previous Item Next Item

We all start a new year with the best of intentions, but building new habits is hard. If you want to take better control of your personal finances in 2022, here are a few things you can do that won’t require a lot of time—or a lot of willpower. 5 New Years resolutions that will be easy to keep We all start a new year with the best of intentions, but building new habits is hard. If you want to take better control of your personal finances in 2022, here are a few things you can do that won’t require a lot of time—or a lot of willpower. We all start a new year with the best of intentions, but building new habits is hard. If you want to take better control of your personal finances in 2022, here are a few things you can do that won’t require a lot of time—or a lot of willpower. Resolution #1: How to save more money One reason New Year’s resolutions fail is because they are too easy to break. You can turn regular savings into a habit by automating the process. Set up an automatic transfer each pay day that transfers a small amount of cash into your savings account. It’s okay to start small—you don’t want to be tempted to cancel your transfer because you suddenly need that money for something else next month. You can always increase the amount in the future. Time required: 2 minutes to log in to online banking and set up a new automatic transfer Resolution #2: How to reduce your debt One of the fastest ways you can reduce your monthly debt expenses is by reducing your borrowing costs. With interest rates still near record lows, it’s a great time to explore refinancing your mortgage, your auto loan, or consolidating your debt into a single monthly payment. Right now, for instance, credit card rates average about 16% APR (annual percentage rate). If you have good (or better) credit, you can probably find a personal loan that charges considerably less. Time required: 60 minutes (and often far less) to fill out an application, talk with a banker, and sign documentation Resolution #3: How to reduce your spending Are you spending money right now on things you don’t even use? Take a look at your subscriptions—streaming services, magazines and newspapers, websites—and think hard about the value they provide. Do you watch enough baseball to justify a $129 subscription to MLB? Are Spotify’s ads really that annoying? Time required: 5 minutes or less to cancel an account, depending on whether it's one of those companies that makes you call instead of letting you cancel online (definitely stop giving those guys your money) Resolution #4: How to earn more money (easy mode) First, an easy thing you should check right now: Are you earning your full employer match on your retirement savings? Many employees, including Vibrant, will match your contribution dollar-for-dollar up to a certain percentage. If you’re not contributing at least that percentage of your salary to your retirement plan, you’re essentially telling your employer to keep an extra 1, 2, or even 5 percent of your annual salary for themselves. Time required: 15 minutes or less to ask your HR department what you need to do to increase your contribution Resolution #5: How to earn more money (advanced) Second, there’s never been a better time to think about changing jobs—or renegotiating your current salary. The latest economic data shows there are more than 10 million open jobs right now, while the number of Americans collecting unemployment is lower than 2 million. Lots of people are finding better jobs right now—which could mean that your current employer might be more willing to increase salaries to keep experienced workers from moving on. It’s probably a good time to mention that Vibrant is hiring—and we offer a 401(k) match up to 6 percent of your salary. Check out our current openings . Time required: As little as a couple of weeks to six months or longer, depending on your field and your location Previous Item Next Item

New to Vibrant Equipment Lending? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an exclusive loan processing and servicing partner for individual consumer and small business 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 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? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. 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 in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for 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? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or 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! See above to find your RM! 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.

Download our app For Apple Users On your iPhone or iPad, open the App Store app. In the bottom search bar, type Vibrant Credit Union. Tap the "Get" button Confirm the installation with your side button and double tap to install. Use your online banking credentials to sign in. Not signed up yet? Get started here . From Google Play Open Google Play.On your device, use the Play Store app On your computer, go to play.google.com . Search for "Vibrant Credit Union" Tap Install Previous Item Next Item