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 4.00% APY* 13-month CD Maximize your interest earnings through the next year. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances . Current rate 3.90% APY* 23-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 two years. Current rate 3.80% APY* Open a CD CD rates Term APY* 6-Month CD Special 4.00% 13-Month CD Special 3.90% 23-Month CD Special 3.80% 48-Month CD 3.65% 30-Month CD 3.50% 40-Month Bump-Up CD Special 3.35% *APY = "Annual Percentage Yield." APYs accurate as of March 19, 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.

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 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 19, 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 19, 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 19, 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.

Find a dealership in Vibrant Credit Union’s trusted network to finance your new or used car with our competitive rates. Fast, easy, and convenient auto loans to get you on the road. Find a trusted dealership near you We’ve teamed up with dealerships across the region to make financing your next vehicle easier than ever. Visit a participating location, choose your car, and ask to finance with Vibrant to get great rates and fast approval—right on the spot. How it works How it works Visit a participating dealer (list coming soon) Choose your vehicle — new or used Finance through Vibrant directly at the dealership Drive away with confidence. Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my car? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. Ready to get started? Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t. Apply now

Not sure which Vibrant account is the best for you? Take this short quiz about your financial habits and get recommendations.

If you have a home loan from Vibrant, you can make adjustments to your escrow account by completing this form. Changes are due by Dec. 30, 2023. Make changes to your escrow account

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

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

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

If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. What to do if your personal data is compromised If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States , everywhere from Twitter to Uber to the credit reporting agency Experian. If you receive a notification that your personal and/or financial information has been compromised, here are some steps you can take to protect yourself. Change your passwords. And while you’re at it, make sure you’re not using the same passwords for more than one login. That’s easier said than done when the average person has dozens of logins to manage, so consider using a password manager like 1Password or Dashlane . These applications will not only remember your login information at every site, they’ll make it easy to choose a unique, hard-to-crack password any time you create an account. But don’t get overconfident—even the password manager LastPass experienced a data breach in 2022 —that’s how common data breaches are.) Set up multi-factor authentication—especially for that password manager you probably just started using. Multi-factor authentication enables you to add an extra layer of protection between your password and your data. After your login information has been correctly entered, with MFA, you’ll automatically receive a phone call or a text message asking you to confirm that you’re the person attempting to access your account, along with a one-time code you can use to prove you’re really you. Take advantage of any free credit monitoring or identity theft protection services you are offered by the organization that was breached. Most companies will offer these services as compensation for the inconvenience they have caused you. Consider adding a verbal PIN or passphrase to your financial accounts. If identity thieves acquire enough of your personal information, it’s possible that they can assume control of your checking and savings accounts by contacting your financial institution and pretending to be you. One way to protect yourself at Vibrant—call us and set up a verbal PIN or passphrase we’ll ask you to provide every time you call. Scammers won’t know you have one unless they call – and it’s much more difficult to crack a password on the phone. Consider setting up a credit freeze. You can place a credit freeze on your credit report, preventing any lender or retailer from pulling your credit as part of a credit application. If you’re not actively in the market for a loan or credit card, then setting up a security freeze on your credit report is an effective way to keep identity thieves from signing up for credit cards of their own. If you later need to apply for credit, you can remove the security freeze either temporarily or permanently. The process is simple, free and can be completed online, via phone, or through the mail. Make sure to contact all three main credit reporting agencies (Experian, Equifax, and TransUnion) to ensure you’re completely protected. Get complete instructions on setting up a credit freeze from USA.gov. Watch your bank and credit card accounts for suspicious transactions. If you see a transaction that doesn’t look familiar, contact your financial institution immediately to file a dispute. If your card has been compromised, your financial institution can issue you a new number and close the old account. Check your credit report regularly to make sure no one is taking out credit in your name. If you’ve signed up for online banking with Vibrant, it’s easy to keep an eye on your credit report. Log in , go to the TOOLS menu, and choose CREDIT TRACKER. You’ll receive an alert any time your credit report updates—from decreases in your available credit to new accounts added. Consider investing in identity theft insurance. Many homeowners and renters policies include optional identity theft protection that can cost as little as $15 a year. This coverage can provide compensation for attorneys’ fees, lost wages if you need to take time away from work to rectify the damage, and for administrative costs including certified mail, long-distance calls, or notary fees. Talk to our partners at Vibrant Insurance Group to find identity theft coverage that fits your needs. Feeling overwhelmed? Get expert advice from IdentityTheft.gov . This free program from the Federal Trade Commission will walk you through everything you need to do in the event of a data breach or documented case of identity theft (e.g., you have found a fraudulent charge on your credit card). Previous Item Next Item

We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. we are vibrant. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. our mission Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Our mission our core values our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. Our core values What drives us Reciprocity with Purpose We’re redefining banking to be digitally-led, people-assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. what drives us Reciprocity with Purpose We’re redefining banking to be digitally led-people assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. Vibrant Credit Union & Be The Good Foundation Vibrant is more than just a 90-year-old credit union — we’re something new. Think of this as our rebirth. We’ve always been a place where people can count on us as a credit union and for support, but now, we’re intentionally building around a deeper purpose: total health. We see total health as having four pillars: Physical Health – Feeling strong, energetic, and cared for. Mental & Emotional Health – Feeling grounded, supported, and connected. Financial Health – Feeling confident, capable, and empowered. Foundational Health – The systems and support that make the first three possible. That’s community. That’s relationships. That’s us. Our Be The Good Foundation supports initiatives and ideas that increase these kinds of pillars within our community — because when you thrive, we all do. Vibrant Credit Union is here to help you become the best version of yourself — and then send that version back into the world. That’s how communities grow stronger. That’s how people gain balance, even when the balance in life shifts. Think of us as all that, and more. We’re not just holding your money — we’re holding space for your potential. And then giving everything we can right back to help you realize it. To make you brighter, bolder, and even more Vibrant. Smart banking made simple Flow like a pro Life moves fast—so should your money. Our fee-free checking is like the zen of banking: effortless, intuitive, and always in the moment. Tap, swipe, transfer—repeat. With tools to keep your spending in check, you’re not just tracking your money, you’re mastering the art of financial flow. Learn more Grow what matters Saving doesn’t have to be all spreadsheets and self-restraint. With a Vibrant savings account, your money does the adulting while you dream big. Stash your cash, skip the nonsense fees, and earn like a boss. It's like planting a money tree—only real, and less likely to attract squirrels. Vacations? Guitars? That inflatable hot tub you swear you’ll use? Yeah, that kind of growth. Learn more The future, sealed with certainty Think of it as a time capsule for your money. Lock it in, let it chill, and come back later to find it’s grown—no guesswork, no drama. With fixed rates and flexible terms, our CDs are a simple way to say, “Hey future me, you’re gonna love this.” Learn more Vibrant Credit Union is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. Responsible growth Extended secure account coverage From dreams to driveways Collaborating for your financial success Vibrant is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. responsible growth extended secure account coverage from dreams to driveways secure peace of mind collaborating for your financial success Vibrant Credit Union's complete offerings No gimmicks. Just smarter banking that puts you first. Discover the Vibrant difference today. Premier Checking Account learn more Everyday Checking Account learn more Everyday Savings Account learn more Preferred Savings Account learn more Premier Savings Account learn more Elite Savings Account learn more Certificate of Deposits (CDs) learn more Personal Credit Cards learn more Community Business Checking learn more Community Business Savings learn more Business Credit Cards learn more Insured Money Market Accounts learn more Home Loans learn more Skip-a-Pay learn more Life Event Loans coming soon

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

Get a quick overview of everything on our website along with quick links to the information you need. Sitemap Personal Find the best account Which Vibrant account is best for you? (Take the quiz) Checking Savings CDs Insured Money Market Business Accounts Why we're better About us Member perks Community giving Be The Good Foundation Loans & credit cards Personal loans Home loans Home equity Vehicle loans Credit cards Resource center Member resources Our rates FAQs Skip-a-Pay AD&D coverage for Vibrant members Find a branch or ATM SouthPark - Moline Vibrant HQ - Moline Schedule an appointment Contact us Pay a loan Equipment loans Auto loans Home loans Credit cards Other products Equipment payment REV Insurance About We are Vibrant Events Blog & news Be The Good Foundation Membership Info Sitemap Careers Work at Vibrant Current openings Benefits Vibrant HQ Core values Careers privacy policy Legal Disclosures Privacy policy Business Service Agreement Member Service Agreement Statement of Financial Condition Community Business Business Accounts Small businesses Sports teams Not-for-profits Insured Money Market Extended share accounts Florida HOAs & COAs Faith-based organizations Resources About us Business credit cards Our Rates