Manage your QuickBooks or Quicken software Vibrant will undergo scheduled maintenance to our online and mobile banking system on February 4, 2025. This will require you to make changes to your QuickBooks or Quicken software. Please follow the instructions below to ensure a smooth transition. First action date: February 3, 2025 A data file backup and a final transaction download should be completed by this date. Transaction history may not be available after February 3, 2025. Second action date: February 5, 2025 You will need to deactivate and reactivate your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection. Conversion Instructions Choose the software you are using for step-by-step instructions on connecting your Vibrant accounts. Quicken QuickBooks Desktop QuickBooks Online Please carefully review your downloaded transactions after completing the instructions to ensure no transactions were duplicated or missed on the register. 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 33 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

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

Download our app For Apple Users On your iPhone or iPad, open the App Store app. In the bottom search bar, type Vibrant Credit Union. Tap the "Get" button Confirm the installation with your side button and double tap to install. Use your online banking credentials to sign in. Not signed up yet? Get started here . From Google Play Open Google Play.On your device, use the Play Store app On your computer, go to play.google.com . Search for "Vibrant Credit Union" Tap Install Previous Item Next Item

Plan your next visit to Vibrant HQ - Moline. Get hours, services, and driving directions. Vibrant HQ - Moline 6600 44th Avenue Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours (including ITMs) 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 ITM banking Cash-dispensing ATM Deposit-taking ATM Branch lobby open Drive-thru open FAQ

Plan your next visit to SouthPark - Moline. Get hours, services, and driving directions. SouthPark - 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

Learn more about using Vibrant's online loan application platform for equipment dealers. Find videos and other tools. Yanmar Training Center Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Add a Title Yanmar Training Center Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Your guide to online banking! Online Banking User Guide

Learn more about using Vibrant's online loan application platform for equipment dealers. Find videos and other tools. Equipment Lending Training Center Before you take our equipment loan application platform for a spin, check out our library of videos to help guide the way. Add a Title Yanmar Training Center Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Your guide to online banking! Online Banking User Guide Need assistance? Submit the form below or contact us at 1-800-479-6206 during regular business hours (Monday through Friday from 7:30 a.m. to 6:00 p.m. CT and Saturdays from 8:30 a.m. to 12:00 p.m. CT).

Find the best high-yield savings (HYSA), high-yield checking accounts, and CD rates available. Open an account online in minutes at Vibrant Credit Union. ⚠️ Fraud Alert: Scammers can spoof caller ID to look like Vibrant. No one legitimate will ever ask for your online banking login, password, or authentication code. If it feels off, hang up and call us. 🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number. 🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number. Earn up to 4.00% APY* with our Premier Checking with no hoops. Because your interest rate shouldn’t come with homework. Open an account Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Start saving like a PRO. Give your kid's savings a winning start with 4.00% APY* on balances up to $15k. Find out more Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. We're not just saying we're the best . It's been scientifically proven. Bank with the best Move your money to a Vibrant checking or savings account and start earning up to 400x more interest on your balance. Open an account Savings‎ Checking‎ CDs‎‎ Vibrant 4.00% APY* balances up to $14,999.99 Average Bank 0.33% APY* Average Credit Union 0.20% APY* Vibrant 4.00% APY* on balances up to $24,999 Average Bank 0.21% APY* Average Credit Union 0.15% APY* Vibrant 4.00% APY* 13-month CD Average Bank 2.35% APY* 1-year CD Average Credit Union 3.03% APY* 1-year CD * For illustrative purposes only. "APY" = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. Federally insured by NCUA. Savings comparison: As of September 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.33% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.20% APY, based on a $2,500 balance. Vibrant APY is for the Preferred Savings account and is accurate as of October 30, 2025. Rates are subject to change. 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. $5 Membership Share account required. Federally insured by NCUA. Checking comparison: As of September 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.21% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Vibrant APY is for the Premier Checking account and is accurate as of October 30, 2025. 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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. CD comparison: As of September 26, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.35% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 3.03% APY, based on a $10,000 deposit. Vibrant APY is for the 13-month CD and is accurate as of November 4, 2025. When the 13-month certificate matures, it will automatically renew into a 12-month certificate. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. If you can't be the best, why even bother? Market-leading rates Paying you more interest on your checking and savings every day is pretty much our whole deal. Check 'em out ZERO hidden requirements No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account. Find the right account No waiting around Bank at Vibrant speed—open an account in minutes, deposit checks from your phone 24/7, and hey, get that direct deposit up to 2 days early. Open an account We're the best kind of local. Sure, our rates are right up there with those internet-only banks. But there's one big difference between us and them—the money you deposit at Vibrant stays here, from the interest you earn to the investments we make in the communities we serve. Learn more

New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of December 31, 2025. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (660–679) 36 month 6.99% 6.99% 11.99% 48 month 6.99% 6.99% 11.99% 60 month 6.99% 6.99% 11.99% 72 month 6.99% 6.99% 11.99% 84 month 7.49% 7.99% 12.99% 120 month 7.49%** 7.99% 12.99% *"APR" = "Annual Percentage Rate." Minimum loan amount of $15,000 for all 120-month terms. **7.49% standard rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers will qualify. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Quick Resources Loan Portal Compact Equipment Promos Rural Lifestyle Promos Insurance Information ACH User Guide Email Vibrant Call Vibrant Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Video Resources How-to Training Videos Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Yanmar customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Email us Call us Manage your account

See Vibrant's current rates on checking and savings accounts, certificates of deposit (CD), personal credit cards, and more. Bank with the Best in Deposit Rates Paying you more interest on your checking and savings is kind of our thing—and it’s why our rates are nationally recognized. Premier Checking 4.00% APY* on balances up to $24,999 Get started Preferred Savings 4.00% APY* on balances up to $14,999 Get started 6-month cd 4.15% APY* with $5 minimum deposit Get started *APY = "Annual Percentage Yield." These rates are effective as of November 14, 2025. Unless otherwise noted, rates are subject to change without notice. Used with permission. ©2025 Dow Jones & Company, Inc. Let’s find the right rate for you. Whether you’re saving, spending, or doing a little of both, explore our account options and find the rates that fit your needs. Open an account in minutes For Individuals Personal Checking Personal Savings Certificate of Deposits (CDs) Insured Money Market Individual Retirement Account (IRA) Health Savings Account (HSA) For Businesses & Orgs Business Checking Business Savings Certificate of Deposits (CDs) Insured Money Market Business Money Market Personal checking account rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. 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. Back to top Personal savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.75% 0.75% – 4.00% 3.25% 4.25% $250,000 - $999,999 0.05% 1.75% 0.75% – 4.00% 3.25% 4.00% $100,000 - $249,999 0.05% 1.75% 0.75% – 4.00% 3.25% 3.75% $25,000 - $99,999 0.05% 1.75% 0.75% – 4.00% 3.25% 0.50% $15,000 - $24,999 0.05% 1.25% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.25% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. 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. Back to top Certificate of Deposit (CD) rates Term APY* 6-Month CD Special 4.15% 13-Month CD Special 4.00% 48-Month 3.65% 23-Month CD Special 3.50% 30-Month 3.50% 40-Month Bump Up Special 3.35% 8-Month 0.01% 9-Month 0.01% 12-Month 0.01% 15-Month CD Special 0.01% 18-Month 0.01% 24-Month 0.01% 36-Month 0.01% 5-Year Add-On Certificate 0.01% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. Federally insured by NCUA. The 6-month Certificate Special will auto-renew into a 6-month certificate at the rate available at the time of maturity. 9- , 13- and 15-month certificates will automatically renew into a 12-month term at maturity. The 23-month CD will automatically renew into a 24-month term at maturity. For the 40-month Bump Certificate 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. The 8-month Certificate Special will auto-renew into a 6-month certificate when the certificate matures. During the term of the Add-On certificate , you may make deposits of $5 or more at any time. Need to grow your cash steadily and securely? Open a CD. Back to top Insured Money Market rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your funds with extended NCUA insurance coverage. Get started now . Back to top Individual Retirement Account (IRA) rates Average Daily Balance APY* $100,000+ 0.35% $50,000 - $99,999 0.30% $25,000 - $49,999 0.10% $100 - $24,999 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. IRA 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. Any fees could reduce potential earnings. Make retirement planning less taxing. Talk to us about an IRA . Back to top Health Savings Account (HSA) rates Average Daily Balance APY* $100+ 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. HSA 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. Any fees could reduce potential earnings. Looking to supplement your healthcare coverage? Talk to us about an HSA . Back to top Business checking account rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account are a tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Business savings account rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $25,000+ 0.005% 3.25% $100 - $24,999 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings Account are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Insured Money Market rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Back to top Business Money Market rates Average Daily Balance APY* $500,000+ 0.75% $100 - $499,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Don't see the rate you're looking for? Explore our borrowing options for home loans, vehicle loans, and credit cards. Home mortgages Credit cards Vehicle loans

Discover banking solutions built for community organizations and associations. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Community Associations We saw a need for better banking solutions tailored to groups in our communities. With a shared passion for making an impact, we built a unique set of bank accounts designed specifically for small businesses, sports teams, not-for-profits, and more . Our goal? To make managing money easier, more accessible, and built around the needs of those who give back, grow, and bring people together. Learn more Florida Condo HOAs Our reserve and lending solutions are built specifically for HOAs impacted by House Bill 913, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity. Learn more Faith-Based Organizations Steward your resources with confidence. Our deposit solutions help faith-based organizations protect funds beyond traditional limits, earn competitive returns, and access reserves when mission needs arise—all with a partner committed to community and good will. Learn more Insured Money Market At Vibrant, safeguarding your deposits is a priority. We offer Extended Share Insurance to help protect your funds beyond the typical limits—giving you greater peace of mind and broader coverage as your reserves grow. Whether your organization needs added protection for operating funds, reserve balances, or mission-critical resources, a Vibrant Insured Money Market account provides an extra layer of security that complements our full suite of deposit solutions. Learn more Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account are a tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $0 - $99 0.00% 3.25% $100 - $24,999 0.005% 3.25% $25,000+ 0.005% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings Account are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Business Money Market Account Rates Average Daily Balance Business Money Market $500,000+ 0.75% $100 - $499,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.