All Vibrant members are eligible for $1,000 of accidental death and dismemberment insurance paid for by Vibrant. You can also purchase up to $300,000 in additional coverage. Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Add a Title Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Plus guaranteed acceptance for up to $300,000 in additional coverage As a Vibrant Credit Union member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health. Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them. Learn more Andrea L. Heger, Licensed Insurance Agent #2277322 0122 1947555 Note, AD&D Products are not federally insured by the NCUA.

Learn about Vibrant HQ, Vibrant's corporate headquarters in Moline, Illinois. Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Add a Title Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Behind the Pinwheel Your one stop for everything Vibrant. Banking Check out our ITMs, where you can speak face-to-face with a teller, or come into a branch for help opening a new account, applying for a loan, and getting assistance with your existing account. Corporate offices It’s where to go for job interviews and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! A great place to work If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. Meet our state-of-the-art ITMs Our new all-digital branch at Vibrant HQ is the first to feature interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Working at Vibrant HQ Get a sneak peek inside our workspaces! Here are a few highlights. Three types of workspace—offices, pods, and cubicles Adjustable-height desks with laptop docking stations and dual monitors Locking personal storage cupboards State-of-the-art conference rooms for video conferences, presentations, and training Casual, comfy seating throughout the building-bring your laptop! Scooters you can ride to meetings throughout the building (just remember to ding the bell as you're rounding corners) Frequently asked questions How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday and 8:30 a.m. to 12 p.m. CT on Saturday. FAQs

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Looking for a member service agreement or our current rates and charges for various products? You're in the right place. Disclosures Members Member Service Agreement Rates and Service Charges (updated 02.12.2026) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice Text Messaging and Opt-Out Policy Overdraft Protection Funds Availablility of Deposits Business Members Business Service Agreement Business Rates & Service Charges (updated 11.14.2025) Master ACH Agreement for Businesses Business Online Banking Account Access Agreement and Disclosure Statement Other Security and Refund Policy Illinois Community Reinvestment Act Notice - Corporate Illinois Community Reinvestment Act Notice - Branch

Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Moline, IL — April 3, 2024 Last fall, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. Interest rates on consumer borrowing, especially car and home loans, have risen significantly over the last 2+ years as the Federal Reserve has raised the federal funds rate to combat inflation. At the same time, interest rates on consumer deposits—the funds that financial institutions use to make many of those loans—have remained stubbornly low. Most big banks still offer a measly 0.01 percent annual percentage yield on consumer savings—meaning that if you deposit $10,000 in a savings account, by the end of the year, you’ll earn a single dollar in interest. Put that same $10,000 in Vibrant’s new Preferred Savings account, though, and you’ll earn $450. Further, the account has no monthly service fees, no minimum balance requirements, and no hidden conditions about setting up direct deposit or making a certain number of debit card transactions each month to qualify. It's a strategy that’s proving wildly successful for the credit union. In February alone, current and new members moved an additional $26 million in deposits to Vibrant. So why aren’t other financial institutions following suit? Matt McCombs, Vibrant’s president and CEO since 2015, thinks it’s because Vibrant’s new model goes against the conventional wisdom of what a credit union is supposed to look like. “Over the last few years, we’ve taken a long hard look at where we’re spending our members’ money and how well that aligns with what they actually want us to spend money on,” says McCombs. “For instance, a decade ago, more than half our members did at least some of their banking in person at one of our branches. Last year, that number was down to about 16 percent, and it’s continuing to drop. “So we asked, what if we invested more in the technologies and services our members are actually using—like our online banking platform and our call center? What if we close some of our branches outright and use the savings to pay our members more interest on their deposits?" That’s the new Vibrant: relentlessly focused on the products it knows it does better than its competitors and devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. “It’s a matter of understanding our strengths and doubling down on them,” says McCombs. For now, it means that Vibrant doesn’t look like anyone else in the area. But McCombs is confident Vibrant’s model is the way of the future. “The days of getting all your financial needs met by a single institution are over. When someone wants to buy a house, they can get on Rocket Mortgage. When they want to buy a car, they go straight to the dealership. We don’t mind if our members get the best deal on their loans from someone else, because that means we’re able to give them the best deal on their deposits.” Even given the rise of so many internet-only financial institutions, McCombs also sees an important place for credit unions like Vibrant. “In general, people prefer to do business with local people,” McCombs says. "When they have questions, they want to be able to talk with someone they know. They want to support local jobs. They're just not going to do it at the expense of passing up a much better deal online. Our savings and checking options give people an excellent reason to keep their money here in our communities.” About Vibrant Vibrant was founded in 1935 as a federally insured credit union with its roots in agricultural manufacturing. Now an industry-leading deposit rate competitor, customers across the country can bank with the best utilizing easy access apps and money movement-friendly accounts with top earning rates. In the community, Vibrant strives to bring specialized products to nonprofits and small businesses to foster all to "be the good." Not far from their roots, Vibrant also provides relationship- and education-focused equipment financing programs to outdoor equipment manufacturers nationwide. Previous Item Next Item

Vibrant started the Be The Good Foundation to build and sustain vibrant communities throughout Iowa and Illinois. Be The Good Foundation Empowering Our Communities Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. BE THE GOOD FOUNDATION Empowering Our Communities Our Vision To be a driving force for positive change—fueling communities with funding, volunteer support, and opportunities to thrive. We envision Vibrant communities where people grow together, opportunities abound, and compassion leads the way.  Our Mission We fund projects and programs that boost financial literacy, equip kids with essential life skills, and create thriving communities. We do this with purpose and heart, rooted in our belief that when people and organizations come together for good, everyone benefits.  Groups We Support Be The Good Foundation particularly focuses on organizations and initiatives that support: Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. Our Core Values We love our communities and want to make them even better. We’re proud to be a part of the communities we serve. These aren’t just places on a map—they’re home. We believe that when you care deeply about a place, you do your part to help it grow, improve, and thrive. Whether that means supporting grassroots programs and projects, investing in local leadership, or simply showing up where we’re needed, we are here to uplift and empower. Our communities deserve to flourish, and we’re committed to being a part of that transformation every step of the way. We believe in good—doing good, being good, and spreading good. In a world that can often feel divided or heavy, we choose to lead with hope and positivity. We intentionally support programs and projects that are doing good in their pocket of the world—because we believe those efforts ripple outward in powerful ways. To us, “good” isn’t just an abstract idea. It’s about showing kindness, standing up for others, lending a hand, and doing what’s right, even when it’s not easy. By consistently choosing good, we hope to inspire others to do the same—and together, create a more compassionate and connected world. We’re here to help people. Helping others is at the heart of who we are. It’s not about grand gestures or recognition—it’s about meeting people where they are and supporting them in ways that truly matter. We believe that no act of help is too small. Whether we’re backing nonprofit organizations with innovative solutions, responding to urgent community needs, or simply making life a little easier for someone facing a tough time, we approach every effort with care, compassion, and the belief that every person is worth investing in. When people feel seen and supported, they can rise—and that’s the kind of world we want to build. We’re hopeful and optimistic. We see so much good happening around us—nonprofits doing extraordinary work, volunteers stepping up with heart, and communities coming together with courage and resilience. That gives us hope. We choose to believe in what’s possible, even in the face of challenges. Our optimism isn’t naïve—it’s rooted in the real, tangible work being done by people and organizations who care deeply and work tirelessly. That’s why we support them. They inspire us daily, and we believe their efforts are building a brighter, more vibrant future for everyone. We bring joy to what we do. Joy is a driving force in our work. Yes, we tackle serious issues—but we also believe that joy, gratitude, and connection make our efforts even more impactful. We celebrate the wins, cherish the partnerships, and find meaning in the small moments. When you love what you do and believe in why you’re doing it, joy becomes a natural part of the process. It fuels us, lifts others up, and reminds us that even in the hardest work, there’s room for light and celebration. We care about real results. We’re not just here to feel good—we’re here to do good, and to do it well. That means staying focused on the outcomes that truly make a difference in people’s lives. We want to see positive change that lasts—more access to opportunities, stronger support systems, healthier and wealthier communities. That’s why we support initiatives that are strategic, measurable, and seek real impact. When we give, we give with purpose. And we expect our partners to do the same, because our ultimate goal is lasting, meaningful progress—not just quick wins. Integrity matters—always. We believe that integrity is the foundation of everything. It builds trust, ensures accountability, and creates the conditions for real change. We hold ourselves to high ethical standards in everything we do—from how we select and support our grantees to how we communicate with our community. And we ask the same of those with whom we partner. Doing good isn’t just about the results—it’s also about how we get there. Integrity means being transparent, honest, and consistent, even when no one is watching. It’s nonnegotiable for us, and essential to the kind of impact we want to make. Our Board Tiffany Haedt President Megan Anderson Vice President Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Ready to get started? Apply for a Grant Eligibility Requirements We welcome proposals for conforming programs that align with our values and priorities. Please check our Grantmaking Guidelines to see if you're eligible to apply. Need More Information? Have questions about the process or want to request more information about the Be The Good Foundation? Request more details Grantee Forms & Resources Small Grant Proposal Regular Grant Proposal Cover Form Regular Grant Proposal Cover Form for Renewing Due Diligence Due Diligence Questionnaire Organizational Changes Supporting Documentation Supporting Documentation for Renewing Applicants Request to Support a Program Small Grant Report FAQ

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1,000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and more—right from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena , special offers from Vibrant Music Hall , plus much more. Open a checking account Which account is right for you? Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 4.00% APY* on balances up to $25,000. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of February 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $ 0 – $24,999 4.00% Premier Checking Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% 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. 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 on Premier Checking? 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 rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month.

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.

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 1.75% APY* on balances of $25,000 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 3.25% 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% 1.75% 0.75% – 4.00% 3.25% 4.25% $250,000 - $999,999 0.05% 1.75% 0.75% – 4.00% 3.25% 4.00% $100,000 - $249,999 0.05% 1.75% 0.75% – 4.00% 3.25% 3.75% $25,000 - $99,999 0.05% 1.75% 0.75% – 4.00% 3.25% 0.50% $15,000 - $24,999 0.05% 1.25% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.25% 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 February 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.

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 February 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 February 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 February 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.

Get some of the best CD rates available. See our current CD specials and other CD terms. Open an account online in minutes. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Stay ahead of falling rates Lock in a great rate while you can. Open a CD with a minimum deposit of just $5. Open a CD Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD Open a CD Stay ahead of falling rates Stay ahead of falling rates Stay ahead of falling rates Lock in a great rate while you can . Open a CD with a minimum deposit of just $5. Open a CD $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates falling, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. Which CD is right for you? 6-month CD Our 6-month CD offers a competitive rate, giving you a secure and rewarding way to grow your savings in just half a year. Current rate 4.15% APY* 13-month CD Maximize your interest earnings through 2025 and beyond. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances . Current rate 4.00% APY* 48-month CD If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings for the next four years. Current rate 3.65% APY* Open a CD CD rates Term APY* 6-Month CD Special 4.15% 13-Month CD Special 4.00% 48-Month CD 3.65% 23-Month CD Special 3.50% 30-Month CD 3.50% 40-Month Bump-Up CD Special 3.35% *APY = "Annual Percentage Yield." APYs accurate as of February 12, 2026. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. View our Rates and Service Charges for more details. Federally insured by NCUA. 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. 13-Month CD Special will auto-renew into a 12-month certificate when the certificate matures. 23-Month CD Special will auto-renew into a 24-month certificate when the certificate matures. 40-Month Bump-up CD Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. Frequently asked questions Who is eligible to open a CD with Vibrant? Click here to learn more about our membership eligibility options. How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Is there a penalty for early withdrawal? You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options. What happens when my CD reaches the end of its term? If you choose not to withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the same term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose and our current rates , you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it could potentially earn more interest than you’d earn with a savings account. In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

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