TPC Community Business Disclaimer Giveaway Overview: Individuals who attend a community banking meeting (in person or virtual) are eligible to receive up to four (4) TPC Deere Run golf passes per person, while supplies last. Schedule your meeting here . Participants may also qualify by referring a friend. Once the referred individual completes their meeting, both the referrer and the referee will be eligible to receive two (2) golf passes each. Submit your referral here . By providing your email address, you consent to receive marketing communications. Unsubscribe at any time. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. This promotion is in no way sponsored, endorsed, or administered by, or associated with any social media platform such as Facebook, Instagram, LinkedIn, TikTok, etc. Any questions, comments, or complaints regarding any promotion should be directed to Vibrant, not to the social media platform. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on the dates specified in the Guidelines for the particular promotion. All entries or submissions must be received on or before the time stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must follow all required rules of entry to participate in the Giveaway. For social media specific Giveaways, rules may include “Liking” a post on Vibrant’s corresponding social media or commenting on a Timeline as instructed. No post or tag etc., on a personal timeline will be considered. After complying with the instructions and submitting the required information, the entrant will automatically be entered to win. You may enter as many times as you wish unless specifically prohibited by in the Guidelines for the particular promotion. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. A certain number of winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. Some Giveaways may have as few as one (1) winner but may have more than one as announced. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via a posting on Vibrant’s social media and/or by other means in Vibrant’s discretion. The prize or prizes shall be selected at the discretion of Vibrant and will be notated on the Credit Union’s social media with other applicable information. Each entrant is responsible for monitoring Vibrant’s social media for posts regarding prize notification and receipt or other communications related to the Giveaway or as specifically stated in the Guidelines. Vibrant may at its discretion contact winners using email, social media messaging or by comment on a Post. Potential winners must pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. SOCIAL MEDIA GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025 Previous Item Next Item

You don't need to a banker to have a fulfilling Vibrant career. Learn about our headquarters, our culture, and the benefits you can expect. Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Add a Title Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Make your career Vibrant You might be surprised by the number of Vibrant employees who never considered working in banking until they came here. What makes us different? First, we want you to find a role that makes you look forward to coming to work—and we’ll make sure you get the training and development to succeed in one that does. Second, we believe there’s no single “right” way to do most things, and we’re not afraid to try something new. That opens up a ton of opportunities to build your skills. Third, we take our members seriously, but not ourselves. Which is why there’s a closet full of inflatable cow costumes at our corporate headquarters. Get to know Vibrant HQ The majority of our team works at our corporate headquarters in Moline. Even branch and remote employees can expect to spend a few days here each year for training and team building. In keeping with our commitment to community revitalization, we transformed a former big-box outlet into a state-of-the-art workspace with plenty of room to keep growing. Vibrant HQ is also the place where we launch new technologies and initiatives like our first fully digital branch and ITMs. Check it out Our employees get great benefits The expected All the usual benefits, without the usual lengthy waiting period before they kick in Medical, dental, and vision insurance 401(k) match up to 6 percent of your salary Paid time off The unexpected Some things you might expect from a credit union, plus a few you wouldn't Flexible schedules and locations for many positions Casual dress code Work in our new state-of-the-art corporate headquarters Learn more The extraordinary Because there's so much more to you than the hours you spend at work Paid time off for volunteering Education reimbursement Leadership development courses Named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for in 2022. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more in American Banker Frequently asked questions I've submitted an application. What next? Check your inbox for an email confirmation that your application has been received. We’ll get back to you within 5–10 business days with an update on your application status. Are there many opportunities to grow? Yes! As employees become more familiar with our operations, it’s not unusual for them to move into different roles and different departments. We also offer specialized training for employees who want to become leaders and for leaders who want to become exceptional. How long will I have to wait to become eligible for benefits? Health coverage kicks in on the first of the month following your hire date. You’ll also start earning PTO hours, but you won’t be able to use them until you’ve been here for 90 days. If you choose to contribute to a 401(k) plan, your plan will become active on the first day of the second full month following your hire date. (So if you started on July 5, your health benefits begin on August 1, and your 401(k) plan on September 1.) Will I be eligible for vacation/PTO hours during my first year of full-time employment? Yes, but your total number of PTO hours will be pro-rated depending on your start date. On January 1 following your hire date, you’ll be able to draw upon a full 15 days of PTO. FAQ

Finance your new or used vehicle with competitive rates through Vibrant Credit Union’s trusted dealership network. Fast, easy, and convenient auto loans to get you on the road. 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 vehicle? 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. One Stop for Your Vehicle and Your Loan Enjoy a simple, streamlined financing experience — all handled right at the dealership. Find a dealership GetMyCash Competitive rates designed to fit your budget Convenient on-site financing apply and get approved at the dealership Money in your account fast with same-day funding available Fast, easy process no extra steps, just a smooth path to your next ride Manage your loan anytime directly through your Vibrant account and mobile app How it works Financing your next vehicle through Vibrant is simple, fast, and designed to keep everything in one place. Here’s what to expect: Visit a participating dealer— Head to one of our trusted dealerships (see list of dealerships ). Find your vehicle— Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot. Apply and get approved at the dealership— Complete your financing application right there with the dealer — no extra trips or paperwork. Drive away the same day— Once approved, you can take the keys and hit the road immediately. Manage your loan with ease— Track payments, view your balance, and stay on top of your loan anytime through your Vibrant online account or mobile app. 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. 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 Interested in becoming a dealer? body copy body copy. Learn more

Get a complete list of upcoming Vibrant holidays and closures. Remember, you can use the Vibrant mobile app 24/7! Holidays & Events Thursday, January 1, 2026 New Year's Day 2026 All Vibrant branches and our corporate headquarters will be closed in observance of New Years Day. Monday, January 19, 2026 Martin Luther King Jr. Day All Vibrant branches and our corporate headquarters will be closed in observance of Martin Luther King Jr. Day. Monday, February 16, 2026 Presidents Day All Vibrant branches and our corporate headquarters will be closed in observance of Presidents Day. Monday, February 23, 2026 at 1 PM CST Annual Meeting All members are invited to join our Annual Meeting virtually. Link: https://www.microsoft.com/en-us/microsoft-teams/join-a-meeting Meeting ID: 298 877 436 992 43 Passcode: dA3v6uy3 Monday, May 25, 2026 Memorial Day All Vibrant branches and our corporate headquarters will be closed in observance of Memorial Day. Friday, June 19, 2026 Juneteenth All Vibrant branches and our corporate headquarters will be closed in observance of Juneteenth. Friday, July 3, 2026 (observed) Independence Day All Vibrant branches and our corporate headquarters will be closed in observance of Independence Day. Monday, September 7, 2026 Labor Day All Vibrant branches our corporate headquarters will be closed in observance of Labor Day. Monday, October 12, 2026 Indigenous Peoples' Day All Vibrant branches and our corporate headquarters will be closed in observance of Indigenous Peoples' Day. Wednesday, November 11, 2026 Veterans Day All Vibrant branches and our corporate headquarters will be closed in observance of Veterans Day. Thursday, November 26, 2026 Thanksgiving Day All Vibrant branches and our corporate headquarters will be closed in observance of Thanksgiving Day. Thursday, December 24, 2026 Christmas Eve All Vibrant branches and our corporate headquarters will close at 12:00 P.M. CST in observance of Christmas. Friday, December 25, 2026 Christmas Day All Vibrant branches and our corporate headquarters will be closed in observance of Christmas Day. Thursday, December 31, 2026 New Year's Eve All Vibrant branches and our corporate headquarters will close at 12:00 P.M. CST in observance of New Year's Eve. Friday, January 1, 2027 New Year's Day 2027 All Vibrant branches and our corporate headquarters will be closed in observance of New Years Day.

$50 Mastercard Giveaway Giveaway Overview: Individuals who provide their contact information will receive one entry to win one $50 Mastercard Gift Card. By providing your email address, you consent to receive marketing communications. Unsubscribe at any time. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on Friday, January 9, 2026. All entries or submissions must be received on day stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must fill out the digital form with their basic information including name, phone number, and email address. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. Five winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via email. If the email is not responded to in one week, Vibrant will make one follow-up phone call. Three business days from that phone call without response, they will select another winner. Potential winners must respond to an email or phone call to pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025 Previous Item Next Item

Complete the form to request a donation of funds for your community project. Vibrant wants to Be the Good in the communities we serve. Get a little help from your friends We care about the communities where our members live and work Get a little help from your friends We care about the communities where our members live and work Find out what we can do for you The basics Are you looking for funding, giveaway items, or some extra helping hands? Get in touch. You must be a nonprofit or tax-exempt organization Submit a request at least 30 days in advance of your event (longer is better!) No solicitations will be allowed on Vibrant property Causes we support While we can’t help out with every request, we love to work with organizations that support these goals: Community development Civic affairs Culture Education (including booster clubs and PTAs) Environment Financial literacy Health and welfare Public safety Youth character building (including scouting, sports clubs, and other organizations) Submit a donation request

Your Vibrant deposits are insured up to $250,000 per account holder. If you keep your IRA here as well, that deposit is separately insured up to $250,000. How we protect your money Security When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? Government protection The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Your retirement is covered IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Using more accounts for more coverage For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage.

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

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

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 11.14.2025) 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

Update your password Before you go to the trouble of resetting your password, a reminder about your current password. It must contain:At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) Didn’t help? Okay, time to reset your password . Read and accept the disclosure. On the next screen, choose the “Reset my password” option. To verify your identity, you will need to provide your user name , Social Security number, and date of birth. Choose whether you want to have the password reset link sent to your email or texted to you via SMS. Enter the six-digit verification code. You will be prompted to enter a new password. Your new password must: Your password must include:At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) Previous Item Next Item

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 repurposed some of those spaces that were being underutilized as branches and turned them into revenue-generating coffee shops that also offer video banking? What if we close some of those 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