Find your account number To find your account number, you have a few different options: Refer to your Member Service Agreement that was sent to you via email shortly after your account was opened via DocuSign Grab a check and check out the two strings of numbers at the bottom. The first number starting with 2711..is our routing number. The second is your account number. Send us a secure message through online banking. Previous Item Next Item

Add Vibrant to your digital wallet If you never leave home without your smartphone, at least you can leave home without your wallet. Your Vibrant debit or credit card works with Apple Pay, Google Pay, and Samsung Pay. No more swiping! Apple Pay Open the Wallet app and tap the plus (+) sign to add a new card. Enter your card number, expiration date, and CVV code and tap NEXT. Vibrant will automatically verify your card info. To pay from your phone, wave your phone in front of any contactless card reader or tap it against the ))) symbol. Google Pay Open the Google Pay app and tap the +ADD TO WALLET button. Choose PAYMENT CARD, then ADD NEW PAYMENT CARD. Enter your card details manually or use your phone camera to automatically scan your card. Vibrant will automatically verify your card info. To pay from your phone, hold it against the contactless payment symbol on the card reader. Boop! You're ready to go. Samsung Pay Open Samsung Pay on your phone. Tap MENU (the three horizontal lines) in the top left corner, and then tap CARDS. Tap ADD CARD (look for the icon with a credit card with a plus sign). Tap ADD CREDIT/DEBIT CARD. Follow the instructions to register your card. When you add a card, you must agree to the card's terms and conditions. Vibrant will verify your card info. That's it! Hold your phone against any contactless card reader to pay. Previous Item Next Item

Open a high-interest personal checking or savings account in minutes and start earning today! Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Built to help them reach their goals. With competitive rates and no monthly fees, Vibrant makes it easy to help kids grow their savings—and their future. See how it works Earn up to 20x the national average. Get 4.00% APY* on balances up to $15k with a Vibrant Preferred Savings account. Open an account now Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Built to help them reach their goals. With competitive rates and no monthly fees, Vibrant makes it easy to help kids grow their savings—and their future. See how it works Award-winning rates Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score any time—all from your own device. No hidden fees With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Open an account Find the right account for you Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 3.75% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No direct deposit required No minimum debit card transactions required Dividends paid monthly Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Open an account See how you can earn more with Vibrant Compare our rates with other banks, and it’s easy to see why we lead the way. Savings Checking CDs * For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% 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. 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. * For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.29% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 2.95% APY, based on a $10,000 deposit. 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. * For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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. Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 4.00% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No direct deposit required No minimum debit card transactions required Dividends paid monthly Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K ★ MEMBER FAVORITE ★ Preferred Savings Earn 4.00%* APY on balances from $5K-$15K Premier Checking Earn 4.00%* APY on balances Up to $25K Open an account Ask The Wall Street Journal, Investopedia and CBS News—Vibrant has some of the best rates available. You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. Ready to earn more on your money? Open a savings account. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app 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. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.

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

Liquidity that doesn’t make you sacrifice yield. Get high-yield savings with no requirements. AS SEEN ON INVESTOPEDIA Digital Advantage High-Yield Savings | 4.40% APY* Liquidity that doesn't make you sacrifice yield. Get started now Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Open in minutes Fast, hassle-free online account opening. Federally insured NCUA insurance up to $250K per depositor. No hidden fees Keep more of what you earn without all the hoops. Join nationwide Eligible to join from anywhere in the U.S. "...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..." Larry Z. — Vibrant Credit Union Member "Very happy with your products. Your rates can't be beat..." Vicki M. — Vibrant Credit Union Member "Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..." Patsy B. — Vibrant Credit Union Member Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K ★ MEMBER FAVORITE ★ Preferred Savings Earn 4.00%* APY on balances from Up to $15K Premier Checking Earn 3.75%* APY on balances Up to $25K Open an account Digital Advantage Savings account rates Average Daily Balance APY* $0 - $4,999 4.40% $5,000+ 0.01% - 4.40% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage 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. Digital Advantage Savings is only available for new members and must be opened online. Limit of one Digital Advantage Savings account per member. Take advantage of this limited-time opportunity. Open a savings account. Other savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. Ready to earn more on your money? Open a savings account. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. Ready to make your money work harder? Open a checking account. Earn up to 4.00% APY* on your checking Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes: No monthly fees or minimum balance requirements No direct deposit or debit card transaction requirements No withdrawal limits Free online & mobile banking with mobile check deposit Get started now Open from anywhere. Give from the start. By becoming a Friend of the Be The Good Foundation , you’re eligible to become a member nationwide and we’ll make a $5 donation on your behalf to support financial education, youth development, and community impact. Learn more Ask The Wall Street Journal, Investopedia and CBS News—Vibrant has some of the best rates available. You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards. Frequently asked questions What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . How old do I have to be to open an account? You'll need to be at least 18 years old to open a Digital Advantage Savings account online. If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone 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. Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . Can I open more than one Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $5,000. Explore some of our other products here.

Set up direct deposit You'll need to know your full checking account number and Vibrant's routing number (271183646) To find your account number, grab a check (your number is to the right of our routing number at the bottom) or your Member Service Agreement. To direct-deposit your paycheck: Contact your HR department or log in to your HR system to update your information. To direct-deposit other recurring payments, contact the brokerage or other entity that issues the payment for instructions. Confirm your changes and keep an eye out for your deposit. Previous Item Next Item

Enable second-factor authentication (2FA) When you use 2FA, you’ll automatically receive a verification code via text or email when you try to log in to your Vibrant account. Before you can access your information, you’ll have to enter that code into your smartphone or browser. 2FA verification codes are set to expire within 10 minutes, and they change every time you request one by logging in. Step 1: Log in to your Vibrant account. Log in from your browser or use the Vibrant mobile app (available for Apple or Android ). Step 2: Access your security settings. For mobile app users Select MORE from the options listed across the bottom of the screen. Select FULL SITE. Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Choose the channels through which you prefer to receive your verification code (text, email, voice call). For browser users Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Choose where you want Vibrant to send your verification code (text, email, voice call). Previous Item Next Item

Get one of the best high-interest savings accounts available anywhere. Apply online in minutes and start earning more. A better place to keep your savings Earn 4.00% APY* with a savings account built to deliver long-term value and flexibility. Open an account Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. No monthly fees No minimum balance required. Unlimited transactions Move money between your checking and savings, make withdrawals, even pay bills. Earn up to 400x more interest Say goodbye to that 0.01% APY* you're earning at your current bank. And hello to Vibrant. Which account is right for you? Everyday Savings Get in the savings habit. Keep cash on hand for emergencies or splurges without restrictions or fees. No monthly fees Dividends paid monthly See current rates Featured rate 1.00% APY* on balances of $10,000 and up Preferred Savings If you have less than $15,000 in savings, this high-yield account will help you grow your nest egg fast. No monthly fees No minimum balance requirements Unlimited transfers and withdrawals No minimum debit transactions per month Dividends paid monthly Featured rate 4.00% APY* on balances up to $14,999.99 Premier Savings If you typically have between $25,000 and $100,000 in savings, this account earns you a better-than-average yield. No monthly fees Unlimited transfers and withdrawals Dividends paid monthly Featured rate 3.00% APY* on balances of $25,000 and up Elite Savings If you have $100,000 or more in savings, you can earn interest at rates comparable to a high-yield CD— without penalties when you want to make a withdrawal. No monthly fees No transaction limits Monthly dividends Federally insured by NCUA—talk to us about strategies to maximize your deposit insurance Featured rate 4.25% APY* on balances of $1 million and up Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. 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. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000. How is interest calculated on savings accounts? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of, say, $104.35 in a Preferred Savings account, you'll earn the listed interest rate on that amount.

Closing your Vibrant digital banking account Want to close your account? We're sorry to see you go. Once you close your account, you will no longer be able to access your account information through our online banking platform or mobile app. 1. Close your account in person. Visit one of our branches and request to close any or all of your accounts. Bring your current state-issued ID or driver's license. Talk to a staff member and let them know which account(s) you'd like to close. We'll ask you to sign an account closure form. We'll refund your balance in cash, with a cashier's check, or through a wire transfer to another financial institution. 2. Close your account by phone. Call us at 1-800-323-5109 between 8:30 a.m. and 5 p.m. CT Monday through Friday or from 8:30 a.m. to 12 p.m. CT on Saturday. When you connect, press option 1, then option 3. Tell our member contact center agent which account(s) you'd like to close. We will confirm your identity, then get your signature on an account closure form. You can choose to have us mail you a cashier's check for the balance of your account or help you transfer the remaining funds to another financial institution by wire. To learn how Vibrant handles your personal information and data while you're an account holder, as well as after you close your account, please see our privacy policy . Previous Item Next Item

Get our routing number Vibrant's routing number is 271183646. You can find it on the footer of every page on our website! Previous Item Next Item

Savings with up to $5M* in protection. Maximize NCUA insurance coverage while earning competitve returns-automatically. Are your funds fully insured? Keep every dollar safe, accessible, and working for you — all in one account. Learn More Schedule a meeting Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. A safer way to protect & access your funds. Traditional banks insure only up to $250,000 per account, leaving many organizations with uncovered funds. Vibrant’s Insured Money Market Account with Extended Share Insurance gives you expanded NCUA-backed protection — without the burden of opening multiple accounts across multiple institutions. Your funds stay in one secure, consolidated account, while our auto-sweep network works behind the scenes to maximize insurance coverage. No extra accounts, no additional paperwork, and no managing multiple statements. Whether you’re managing operating reserves, capital planning, or savings for future growth, this account delivers the safety, liquidity, and simplicity you need. Fully Insured Coverage Extend your protection will beyond standard limits with up to $15 million in fully insured deposits.* Full Liquidity of Funds Access your reserves any time (before the daily cutoff) without penalties, restrictions, or waiting periods. Competitive Earnings Earn strong, market-leading rates while keeping every dollar insured — no need to sacrifice safety for growth. One Account, One Statement No more managing multiple bank relationships; your entire balance rolls into one clean, consolidated view. No Hidden Fees — Ever Enjoy the benefits of this account without hidden fees, draw fees, or usage requirements. Designed for people and organizations that need safety, clarity, and control. This account supports anyone managing reserves above standard insurance limits — without the complexity of juggling multiple financial institutions. Faith-Based Organizations HOAs & COAs Small & Mid-Sized Businesses Schools & Educational Institutions Nonprofits & Community Organizations Municipalities & Public Agencies Foundations & Trusts High-Balance Individuals Get started Why organizations choose extended insurance and why traditional banks fall short. Many organizations unknowingly hold reserves that exceed standard insurance limits — leaving some funds exposed. Others struggle with liquidity, costly fees, or slow access to capital when needs arise. Here’s how Vibrant solves those challenges with one streamlined account. Challenge Solution Large reserves over $250,000 may exceed standard insurance limits—leaving some funds uncovered. Emergency repairs or other expenses require fast access to your funds. Unexpected building repairs or urgent expenses require more capital than you have. Transparency is needed for seasonal cash flow and fluctuating profits, donations, tuition, or offerings. High-yield accounts can be risky, restrictive, or come with hidden fees, putting your reserves at risk or limiting access. You want a financial partner who shares your values and supports your mission. Our high-yield reserve account* is fully insured and backed by the full faith of the U.S. Government through NCUA coverage , keeping your funds secure and accessible. Our insured money market account is fully liquid , giving you same-day access to funds (prior to cutoff time) without compromising safety. We offer quick, easy eligibility for lines of credit tailored to your organization with no personal guarantees, draw fees, non-usage fees, or origination fees. With 24/7 account visibility and access , you're always prepared. If bundled with a line of credit, you can draw instantly for immediate funding. With no hidden fees and full access to your funds, you can earn competitive interest rates to grow your reserves with no risks involved. Vibrant is a partner investing in your mission and the community through our Be the Good Foundation . Schedule time to talk with an expert "We invest back into communities and help organizations like yours thrive. By partnering with us, you’re choosing a financial institution that cares about purpose — not just profit." Nick Tarpein — Chief Financial Officer, Vibrant Credit Union "I've had a great experience with Vibrant. The representative I work with is most helpful and goes above and beyond to make sure all details of my account are clear and accessible." Regena C — Vibrant Member “In our mind...we have to have government backed accounts that ensure safety , so the FDIC/NCUA insurance is vital for us & it always has been.” Paul S — President, KWBTS “Vibrant combines deep knowledge with a friendly, no-rush approach that immediately puts you at ease... I’ve rarely seen this level of thoughtful and proactive service.” Dmitry F — Vibrant Member Expanded coverage without the extra effort. Our Insured Money Market account uses an auto-sweep system to maximize your insurance while keeping your experience simple. When your balance exceeds a set threshold, excess funds automatically sweep into our network of partner credit unions — each covered by the NCUA. You still see one balance, one account, and one statement . We handle the rest behind the scenes. Request more info More than insurance — a financial partner you can trust. Vibrant is a modern credit union built on relationships, transparency, and community impact. We believe managing large balances shouldn’t require complex structures or multiple banking relationships. Instead, we offer a safe, streamlined experience backed by: Dedicated relationship managers who understand your financial goals. Member-first philosophy , not driven by shareholders. Proven track record supporting nonprofits, businesses, ministries, schools, and community institutions. Award-winning deposit products — named a Best In Deposit Rates winner by The Wall Street Journal’s Buy Side. When you work with Vibrant, you're not just getting expanded coverage — you’re gaining a partner invested in your long-term stability. Learn more about us Frequently asked questions How do I open an account? Opening an Extended Insurance Account with Vibrant is simple and hassle-free. Just reach out to your account manager at 309-326-3128 or email us at relationshipmgrs@vibrantcu.org to get started. In most cases, our efficient process allows your account to be opened and funded the same day . What is ModernFi? ModernFi is a network of credit unions that Vibrant Credit Union has joined to help better protect your balances by distributing funds across partner credit unions to offer extended NCUA share insurance. How does the Extended Insurance Account work? Suppose you have $1 million that you want to safeguard and earn interest on. You can achieve this by depositing the full amount with Vibrant Credit Union through an Extended Insurance Account. The money is then distributed into smaller portions and placed in demand deposit accounts at various credit unions within the network. The first $250,000 will be allocated to Vibrant Credit Union, another $250,000 to Credit Union 2, an additional $250,000 to Credit Union 3, and the remaining $250,000 to Credit Union 4. All of these credit unions are partnered with the ModernFi Network. This allocation helps ensure that each dollar is covered by NCUA share insurance, in an amount up to the maximum of $250,000 per share owner per credit union. Using these Extended Insurance Accounts eliminate the need to keep track of multiple accounts at various credit unions. All of your deposits and activity across your allocated credit unions are consolidated into one statement. Additionally, the Extended Insurance Account interest rate is competitive, making it a compelling choice for individuals and businesses with substantial cash reserves. Who maintains my Extended Insurance Account? You control the account just like a regular transaction account. You can deposit, withdraw, or transfer funds at any time through a dedicated Member Portal. Vibrant Credit Union and ModernFi manage and oversee your allocation, ensuring funds are distributed to demand deposit accounts within the network. How secure is the Extended Insurance Account? Extended Insurance Accounts offer a high degree of security for your deposits, utilizing NCUA insurance to safeguard funds up to $250,000 per member at each participating credit union. This protection extends even in the event of a participating credit union’s failure, ensuring the continued safety of your deposits. Since the inception of the National Credit Union Share Insurance Fund in 1970, no member has lost NCUA-insured funds due to a credit union's failure. All accounts at NCUA-insured credit unions are covered on a dollar-for-dollar basis, encompassing principal plus any interest accrued. In the unlikely event a credit union fails, the NCUA assumes the responsibility of closing the credit union, receives its assets, and settles all deposit claims. Vibrant Credit Union works with ModernFi to file all required materials with the NCUA to coordinate the receipt of your funds from the failed institution. Payment starts within a few business days after the credit union closure. For more information on NCUA insurance, please visit here. What qualifies a credit union’s eligibility to join ModernFi’s network? ModernFi partners with credit unions in good standing with regulators and compliant with all Anti-Money Laundering and Know Your Customer requirements. ModernFi only places deposits at US-based NCUA-insured credit unions that are monitored by a U.S. federal or state governmental agency responsible for the supervision of financial institutions. Vibrant Credit Union maintains complete control over the credit unions that can receive your funds. Furthermore, you and Vibrant Credit Union always have full transparency into the allocation of your funds. How do I open an Extended Insurance Account? Opening an Extended Insurance Account is quick and easy with Vibrant Credit Union. Simply contact your relationship manager or visit your nearest branch to open an account and start taking advantage of the benefits offered by the Extended Insurance Account. After account opening, you will gain access to the “Member Portal” to view details on your Extended Insurance Account. You can view statements and your allocations throughout the network at any time, so you always know your money is safe with credit unions you know and trust. *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.

Discover banking solutions built for community organizations and associations. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Community Associations We saw a need for better banking solutions tailored to groups in our communities. With a shared passion for making an impact, we built a unique set of bank accounts designed specifically for small businesses, sports teams, not-for-profits, and more . Our goal? To make managing money easier, more accessible, and built around the needs of those who give back, grow, and bring people together. Learn more Florida Condo HOAs Our reserve and lending solutions are built specifically for HOAs impacted by House Bill 913, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity. Learn more Faith-Based Organizations Steward your resources with confidence. Our deposit solutions help faith-based organizations protect funds beyond traditional limits, earn competitive returns, and access reserves when mission needs arise—all with a partner committed to community and good will. Learn more Insured Money Market At Vibrant, safeguarding your deposits is a priority. We offer Extended Share Insurance to help protect your funds beyond the typical limits—giving you greater peace of mind and broader coverage as your reserves grow. Whether your organization needs added protection for operating funds, reserve balances, or mission-critical resources, a Vibrant Insured Money Market account provides an extra layer of security that complements our full suite of deposit solutions. Learn more Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking accounts are a 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. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $25,000+ 0.005% 3.25% $100 - $24,999 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business 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. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Business Money Market Account Rates Average Daily Balance Business Money Market $500,000+ 0.75% $100 - $499,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of March 12, 2026. Rates subject to change without notice. $5 Membership Share account required. 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. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. 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. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.