Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Kids take over—again! Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Moline, IL – December 31, 2025 After an overwhelmingly positive response to last year’s inaugural event, Vibrant Credit Union—alongside the Quad City Storm hockey team and Junior Achievement of the Heartland—is proud to bring back the second annual QC Kids Run the Show hockey game. This unique, fan-favorite experience returns to give young leaders another chance to step into the spotlight for a night of excitement, confidence-building, and unforgettable memories. Happening on Friday, January 9, 2026 , at Vibrant Arena at The MARK, QC Kids Run the Show invites local kids to take over key roles behind the scenes and on the ice. Participants will once again get hands-on experience announcing plays, running in-game entertainment, assisting coaches, collaborating with the media team, and helping stage a professional hockey game from the inside out. “Seeing the impact of last year’s event made it clear—we had to bring it back for 2026,” said Vibrant Credit Union President and CEO, Matt McCombs. “Kids Run the Show gives young people a chance to build leadership skills, try new challenges, and have a whole lot of fun doing it. We’re thrilled to continue this partnership with Junior Achievement and Quad City Storm to inspire even more local kids in 2026.” The fun doesn’t stop at the puck drop. Throughout the night, Vibrant will shine a light on its High Yield Savings Accounts to help kick off easy, real-life conversations about saving and smart money habits with students, families, and fans. It’s all about giving people tools they can actually use and rates that give back—another example of Vibrant’s commitment to strengthening the communities it serves. Junior Achievement, known regionally for championing youth leadership and financial empowerment, is excited to return for year two. “Last year proved how transformative hands-on learning can be,” said Lysa Hegland, President of Junior Achievement of the Heartland. “We’re thrilled to once again partner with Vibrant Credit Union and the Quad City Storm to give kids real-world roles that boost their confidence and expand their vision for the future.” The Quad City Storm team is also energized to welcome their young collaborators back to the rink. “Hockey is always better when the community is involved—especially its youngest members,” said Brian Rothenberger, Quad City Storm Team President. “We loved what the kids brought to game day last year, and we can’t wait to see them take charge again.” Tickets for the 2026 QC Kids Run the Show game are available now at bit.ly/QCkidsruntheshow . For each ticket purchased, $5 will be donated to Junior Achievement of the Heartland . Families, fans, and community members are invited to join in cheering on both the Quad City Storm and the next generation of local leaders. #QCKidsRunTheShow About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union rooted in agricultural manufacturing and built for what’s next. Now a national leader in deposit rates, Vibrant delivers top-earning accounts, intuitive digital banking, and fast, flexible money movement—giving customers across the country a smarter way to bank. Beyond financial performance, Vibrant is driven by purpose, providing specialized solutions for nonprofits and small businesses and championing its call to Be The Good . Staying true to its origins while pushing forward, Vibrant also powers outdoor equipment manufacturers nationwide through relationship-driven, education-first equipment financing programs About Junior Achievement Junior Achievement is dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs are delivered by corporate and community volunteers, and provide relevant, hands-on experiences that give students from kindergarten through high school knowledge and skills in financial literacy, work readiness and entrepreneurship. Locally, Junior Achievement of the Heartland serves 24 counties in eastern Iowa and western Illinois. About Quad City Storm The Quad City Storm is in its 7th year of serving as the community's team; providing unmatched excitement, energy and entertainment while giving back to and supporting the QCA. To date, the Storm has donated more than half a million dollars to local non-profit organizations. The Storm is a locally and Veteran owned team that competes in the SPHL. To learn more about the Storm follow us on social media and visit QuadCityStorm.com. Previous Item Next Item

Detect potential scams Want to make sure your Vibrant accounts stay safe? We've put together some helpful tips for helping you recognize fraud attempts before it's too late. Unsolicited: If a person, business, or organization you don't have an existing relationship with asks you for money or personal information, be on guard. Make sure they are who they say they are. Unexpected: If you’re contacted out of the blue by an organization you DO have a relationship with, don’t respond directly. Instead, contact the organization via their publicly available phone number or email address so you can verify it's a legit request. Urgent: Scammers know the more time you have to think, the more questions you’ll ask. Even in a genuine emergency, no one will ask you to disclose personal or financial information before you do anything else. Watch out for spoof calls and text messages Your Caller ID may tell you Vibrant is calling, but it could be a scammer. If a caller asks you to provide any of the information below, this could be an attempt to access your personal account. Say nothing and hang up! Anything more than the last 4 digits of your debit or credit card Any security or verification code you receive via text or email Your account or routing number Your complete Social Security Number Your account password Your PIN Does Vibrant ever verify my identity by texting or emailing me a code? If you’ve set up two-factor authentication (2FA) on your account—and we highly recommend it—you will receive a code via text or email when you try to log in to verify it’s really you. While you'll need to enter that code on your browser or mobile app to complete your login, Vibrant will never ask you to tell us what the code is. Can a scammer access my account even I don't tell them my password? Unfortunately, yes. Scammers may find your login information through a data breach, on the dark web, or through other phishing tactics. Two-factor authentication (2FA) offers additional protection, but it's not foolproof. A common scam is to try bypass 2FA by pretending to be a legitimate caller who wants to verify your identity by sending you a security code, which they'll ask you to read back to them. If you tell them the code, unfortunately, they can use it to log in from their device How do I set up my two-factor authentication on my account? Log in to your account and go to Settings, then choose the Security tab. Toggle the on/off switch next to Two-Factor Authentication to ON to require a second security code via email, text, or voice call (you'll have the option to choose the method that works best for you any time you log in). What if a caller tells me I owe money and they need immediate payment? Legitimate organizations, including the IRS, your local tax assessor, or your financial institution, will never ask you to provide payment via a gift card, prepaid debit card, or wire transfer. If you get a a call demanding immediate payment and they want you to use one of these payment methods, it's a scam. In addition, a legitimate caller will never threaten to alert law enforcement, immigration officials, or other authorities to collect a debt. What should I do if I think I may have been scammed? Contact us immediately to report the incident. We’ll place a fraud alert on your account and help you reset your login information. (And no, we won't ask you to tell us your new password.) Previous Item Next Item

Get in touch with us any time via phone, email, or secure messaging through the Vibrant mobile app. Need to get in touch? Current Vibrant members Send a secure message through your online banking app. We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, and 8:30 a.m. to noon on Saturday). New to Vibrant? Get started with an online application or schedule an in-person meeting. Become a new member Email us at hello@vibrantcu.org with any other questions FAQ I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report your debit card lost or stolen and it's after our regular business hours , please call 1-800-379-6724 to prevent unauthorized charges. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109 . What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. For after hours support on your debit card, please call 1-800-379-6724 to prevent unauthorized charges. FAQ Send us a message Have an issue that involves personal or sensitive info? For your security, we can’t handle those types of requests over email—things like account problems, login troubles, or personal detail updates. Instead, reach out through the secure messaging option in online banking or give us a call. We’ll make sure you’re taken care of safely. *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.

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

Learn how my interest is calculated 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 approximately 31 cents in interest at the end of the month. Interest dividends are paid to your account at the end of every month. On our 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 4.00% APY on that amount. Previous Item Next Item

Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Want to be more financially savvy? These tips will help you skillfully manage your money Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Create an inflation-proof budget Rising prices can make it feel impossible to create a budget that allows you to enjoy life and still build your savings. But it is possible. Here's how to get started. Review your expenses. The first step to creating a budget is to review your bills and expenses. This is a great way to track where your money goes each month. Are you spending too much on dining out? Could you get a better deal if you switch cell phone providers? Are you paying for music and video streaming services that you don’t use anymore? Reviewing expenses gives you a better understanding of how your money is being spent and how you can modify your choices to live a more financially successful life. Increase your income. Take a look at your current salary and compare it to other people in similar roles (Glassdoor's salary index is a great place to start). Is it in line with industry averages for your role? If not, consider negotiating a higher salary with your current employer. Another option is to move to a different company. Protocol reports professionals who job-hopped in the past few years “received a 30% increase in salary.”If increasing your salary isn’t possible now, there are other ways to grow your checking account balance. Many individuals are starting side-hustles to supplement their income. If you have many years of experience in an industry, you can offer consulting or training services. If you have musical talent, you can perform at gigs or give music lessons. And, if you’re on social media all the time, consider that social media management and blogging are considered some of the most profitable side jobs. Expand your professional skills. Learning new skills can open up new job opportunities—and access to industries where you may not have experience. Start saving In addition to modifying your budget and increasing your income, saving money is a vital part of money management. Set aside a fixed amount to deposit into your savings account each month. It doesn’t have to be a large amount—you can start with 5 percent and increase that amount as your earnings increase. What’s important is to make savings a habit. Consider setting up an automatic transfer to savings every time you get paid. Invest for the future Investing can sound scary, but it doesn’t have to be. Investing is simply making your money work for you instead of having it sit in your bank account. Even if you’re not ready to invest in the stock market, putting your money in a high-yield savings account or a certificate of deposit can produce profitable results. If you’re not sure how or where to start investing your money, talk to a financial adviser for help evaluating your various investment choices. Review your retirement options Planning ahead for your golden years ensures your retirement will be enjoyable and relatively stress-free. If your employer offers a retirement plan like a 401(k), it’s a great idea to start investing in it as soon as you can, especially if they offer a matching contribution. If you don’t have access to an employer plan, or if you want to save more than your employer’s plan allows, you have two options for opening an individual retirement account (IRA). Traditional Individual Retirement Account (IRA) A traditional individual retirement account is funded with pre-tax money. This means you have the benefit of getting a tax deduction on your contribution. Be aware: This means you may owe taxes on the money when you withdraw it. You will also not be able to withdraw funds until you reach the age of 59½. Expect your retirement savings needs to change over time, especially if you change employers. Investopedia notes, “Rolling your money over into an IRA will often reduce the management and administrative fees you've been paying.” Your financial advisor can counsel you on the best course of action to take for your retirement funds. Sign up for Vibrant Credit Union’s personal banking services Transforming into a financially savvy superstar is easy when you take advantage of Vibrant’s personal banking services. Our friendly and knowledgeable team makes banking services easy to understand so you can achieve your financial goals. Contact us to discuss all that we can help you achieve. FAQs Q: What do I need to open a Vibrant checking or savings account? A: To open an account, you’ll need to provide the following: Full name Address Social Security Number Valid, government-issued photo ID: driver’s license, passport or military ID. Minimum deposit of $5 to activate your account. Every Vibrant member must open a membership savings account with a minimum $5 deposit before they can take advantage of other products and services. Q: How much money should I keep in my checking account? A: We recommend keeping 1–2 months of living expenses in your checking account. Q: How do I open an IRA? A: Schedule an appointment with a Vibrant personal banker to review your goals. They'll set up your account and help you choose a portfolio that's the right fit. Previous Item Next Item

Plan your next visit to SouthPark Branch - Moline. Get hours, services, and driving directions. SouthPark Branch - Moline 4400 16th St Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed Services Coin machine Night drop Branch lobby open Drive-thru open FAQ

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.

Stretch your budget with Skip-a-Pay. You can skip up to two personal, auto, or equipment loan payments per year and pay no fees until the end of your loan term. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. How it works When you Skip-a-Pay, you pay absolutely nothing now: Your skipped payment is added to the end of your current term Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* Who can apply? Anyone with a Vibrant auto, personal, or Loan Program (equipment) loan can apply if: Your balance is current Auto and personal loans: It’s been more than one payment cycle since you last used Skip-a-Pay, you have fewer than two (2) skips in the last calendar year, and you've skipped fewer than 6 payments total Loan Program Consumer (equipment loans): You've made at least 1 loan payment, you haven't requested a skip in the previous 12 months, and you've skipped fewer than 3 payments total GetMyCash loans are not eligible for Skip a Pay. What to expect To apply, all you need is your account number and current balance: Check your inbox for confirmation and a form from DocuSign to agree to the Skip-A-Payment terms If you use autopay, make sure to adjust any scheduled payments Apply now *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. A Vibrant employee may follow up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive in your junk/spam folder. Processing time may take 1–2 business days. This payment skip will extend the final maturity date of your loan by one (1) month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non-real estate loan is allowed a maximum of two (2) skipped payments per 12-month period and are limited to six (6) total for the life of the loan. There must be one full payment made between skips. Loan Program loans are eligible for one (1) skip per 12-month period, after at least one initial payment on the loan has been made and are limited to three (3) for the life of the loan. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss.

Make the most of your Vibrant account with these handy tools. Sign up for e-statements, request Skip-a-Pay on your personal or auto loan, and more. Bank your own way Find everything you need to manage your finances. View FAQ Add a Title Bank your own way Find everything you need to manage your finances. View FAQ Shorten your to-do list E-statements Save a trip to the mailbox and get instant access to all your account statements when you sign up to receive them electronically. Learn more Direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. Enroll now AutoPay Never forget an insurance or loan payment. You can even set up direct deposit for your employees! Enroll in AutoPay Set up online banking Securely access all your Vibrant accounts via your browser. Check your balances Pay bills Transfer money Enroll in online banking Stretch your budget with Skip-a-Pay Short on cash because of unexpected expenses? With Skip-a-Pay, you can skip your monthly payment on your Vibrant vehicle or personal loan up to two times a year (non-consecutive months only). Request Skip-a-Pay The closest branch is as near as your phone Android Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App on Google Play> Apple Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App at the App Store> More resources How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more >

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Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Flexible terms 5-, 10-, or 15-year repayment terms One-time lump sum Receive the full loan amount upfront, making it ideal for large expenses No prepayment penalties Enjoy the freedom to pay off your loan early without additional fees Today's rates Local knowledge Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Affordable rates & fees There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Education & guidance Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Fast, convenient closings Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Ready to unlock your home's potential? Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream home — and offering home equity loans to help them make the most of it. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years, have found your forever home, or want to tap into your equity for renovations, debt consolidation, or more. Get started (i) Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. (ii) Any periodic rate used to compute the finance charge, expressed as an annual percentage rate as determined under § 1026.14(b). (iii) The maximum annual percentage rate that may be imposed in a variable-rate plan. The Assumptions link takes us to the disclosures but TILA requires Clear and Conpicuous disclosures meaning the disclosed aspects have qual prominence and in close proximity to the advertised rates or payments triggering the required disclosures,