Get help planning for retirement with one of our certified financial advisors. Find out how to get started. Make retirement planning less taxing Increase your financial flexibility by opening an IRA. Contact an advisor How a traditional IRA works Make retirement planning less taxing Increase your financial flexibility by opening an IRA Contact an advisor Choose the type of account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution As of 2023, you can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit. Invest as little as $5 and for as short a period as 3 months. See rates

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

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 April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking accounts are a tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $25,000+ 0.005% 3.25% $100 - $24,999 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Business Money Market Account Rates Average Daily Balance Business Money Market $500,000+ 0.75% $100 - $499,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.

Liquidity that doesn’t make you sacrifice yield. Get high-yield savings with no requirements. AS SEEN ON INVESTOPEDIA Digital Advantage High-Yield Savings | 4.40% APY* Liquidity that doesn't make you sacrifice yield. Get started now Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Open in minutes Fast, hassle-free online account opening. Federally insured NCUA insurance up to $250K per depositor. No hidden fees Keep more of what you earn without all the hoops. Join nationwide Eligible to join from anywhere in the U.S. "...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..." Larry Z. — Vibrant Credit Union Member "Very happy with your products. Your rates can't be beat..." Vicki M. — Vibrant Credit Union Member "Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..." Patsy B. — Vibrant Credit Union Member Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K ★ MEMBER FAVORITE ★ Preferred Savings Earn 4.00%* APY on balances Up to $15K Premier Checking Earn 3.75%* APY on balances Up to $25K Open an account Digital Advantage Savings account rates Average Daily Balance APY* $0 - $4,999 4.40% $5,000+ 0.01% - 4.40% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Digital Advantage Savings is only available for new members and must be opened online. Limit of one Digital Advantage Savings account per member. Take advantage of this limited-time opportunity. Open a savings account. Other savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Earn up to 4.00% APY* on your checking Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes: No monthly fees or minimum balance requirements No direct deposit or debit card transaction requirements No withdrawal limits Free online & mobile banking with mobile check deposit Get started now Open from anywhere. Give from the start. By becoming a Friend of the Be The Good Foundation , you’re eligible to become a member nationwide and we’ll make a $5 donation on your behalf to support financial education, youth development, and community impact. Learn more Ask The Wall Street Journal, Investopedia and CBS News—Vibrant has some of the best rates available. You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards. Frequently asked questions What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . How old do I have to be to open an account? You'll need to be at least 18 years old to open a Digital Advantage Savings account online. If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . Can I open more than one Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $5,000. Explore some of our other products here.

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Looking for a member service agreement or our current rates and charges for various products? You're in the right place. Careers Privacy Notice Privacy Notice about Collection of Personal Information for Applicants, Employees, and Contractors Vibrant Credit Union (the “Company”) is providing you with this Privacy Notice about Collection of Personal Information for Applicants, Employees, and Contractors (“Notice”) in accordance with the California Consumer Privacy Act, as modified by the California Privacy Rights Act of 2020, (the “CCPA”) to inform you about: the categories of Personal Information that the Company collects about applicants, employees, and contractors; why we collect it, how we use and share it; and the rights you have relating to your Personal Information under the CCPA. For purposes of this Notice, the term “Personal Information” (“PI”) means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is publicly available, de-identified, or aggregated. Not all PI identified in this Notice is collected about each applicant, employee, or contractor. The PI collected from and about each individual will depend upon the status of their relationship with the Company, their role, and other circumstances. Assistance For Disabled Applicants and Employees Alternative formats of this Notice are available to individuals with a disability. Please contact hr@vibrantcu.org for assistance. How and Why We Collect and Disclose Your Personal Information, Including Within the Past 12 Months Identifiers 1.1. Personal Information Collected Includes: real name, nickname or alias, postal address, telephone number, e-mail address, unique personal identifier, Social Security number, signature, online identifier, Internet Protocol address, bank account name and number for direct deposits, driver’s license number or state identification card number, passport number, or other similar identifiers. 1.2. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems, created by us (e.g., your username and Company email address), and from service providers that help us to run our business. 1.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 1.4. Purposes for Collection, Use, and Disclosure: to communicate with you, to assess your eligibility for employment, to onboard and enroll you as an employee, to allow you to perform job functions, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us. 2. Personal Information Described in Cal. Civ. Code § 1798.80(e) 2.1.Personal Information Collected Includes: your name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or other financial information, medical information, or health insurance information. 2.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 2.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 2.4. Purposes for Collection, Use, and Disclosure: to communicate with you, to assess your eligibility for employment, to onboard and enroll you as an employee, to manage job duties and operate our business, to manage corporate information technology, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us. 3. Characteristics of Protected Classifications Under California or Federal Law 3.1. Personal Information Collected Includes: age and date of birth; marital status; race; ancestry; ethnic origin; sex; gender; sexual orientation; gender identity; gender expression; religion or creed; military or veteran status; medical condition; pregnancy, childbirth, breastfeeding, and related medical conditions; genetic information; disability. 3.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 3.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 3.4. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, for diversity and inclusion programs. 4. Commercial Information 4.1. Personal Information Collected Includes: records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies. If you interact with Vibrant Credit Union as a consumer, you can find our Privacy Notice here: https://www.vibrantcreditunion.org/privacy . 4.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business. 4.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 4.4. Purposes for Collection, Use, and Disclosure: reimbursement of expenses, auditing, to detect and prevent fraud against you and/or us. 5. Internet or Other Electronic Network Activity Information 5.1. Personal Information Collected Includes: browsing history, search history, log-in or log-out activity on Company resources, email communications, stored documents and emails, all activity on Company communication systems, other information regarding an employee’s use of Company-issued devices, and information regarding your interactions with our websites, applications, or advertisements. 5.2. Categories of Sources from which PI is Collected: automatically when you use our electronic systems and/or Company-issued devices, from service providers that help us to run our business. 5.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, governmental authorities. 5.4. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems, to manage job duties and operate our business, to detect and prevent fraud against you and/or us, to conduct internal audits, and to conduct internal investigations. 6. Geolocation Data 6.1. Personal Information Collected Includes: access-control data based on employee badge swipes and location data inferred from your device’s IP address. 6.2. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems. 6.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 6.4. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us, to conduct internal investigations. 7. Audio, Electronic, Visual, Thermal, Olfactory , or Similar Information 7.1. Personal Information Collected Includes: closed-circuit images, photographs and video of you (for ID badges, marketing materials, etc.), and audio recordings as may relate to your job functions. 7.2. Categories of Sources from which PI is Collected: directly from you, automatically while you are on Company property or using certain Company devices (e.g., if you answer or place phone calls on a recorded line or use our video conferencing software). 7.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 7.4. Purposes for Collection, Use, and Disclosure: to manage the security of our premises and systems; to manage job duties, evaluate performance, and operate our business; to conduct internal investigations. 8. Professional or Employment-Related Information 8.1. Personal Information Collected Includes: recruitment information (such as skills, qualifications, references, recommendations, and other information included in a resume, application form, or cover letter); background information commonly used for onboarding and security screenings; employee profile information (employee status, organization information, performance and talent information, employment background, functional experience, leadership experience, honors or awards, timesheets, education, training, professional certifications, evaluations, developmental planning, career interests and development information, and other talent management and team-based assessments); compensation, payroll and benefits information; medical, parental, family, vacation, and other leave and associated records, including details of the types of and reasons for leave being taken, duration of leave, and leave-related correspondence; any termination of employment documentation, including resignation letters, dismissal letters, minutes of meetings, settlement agreements, and related correspondence. 8.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 8.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 8.4. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment; to onboard and enroll you as an employee; to manage job duties, evaluate performance, and operate our business; to provide compensation and benefits; to comply with applicable laws and regulations; to manage the security of our premises and system; to detect and prevent fraud against you and/or us; to conduct internal investigations. 9. Non-Public Education Information 9.1. Personal Information Collected Includes: school(s) attended, grades, and other information relating to your secondary and post-secondary education. 9.2. Categories of Sources from which PI is Collected: directly from you. 9.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 9.4. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment, to onboard and enroll you as an employee, and to assist with professional licensing. 10. Inferences Used to Create a Profile 10.1. Personal Information Collected Includes: information reflecting your preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. 10.2. Categories of Sources from which PI is Collected: directly from you, drawn from other categories of Personal Information we collect. 10.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 10.4. Purposes for Collection, Use, and Disclosure: to manage job duties, evaluate performance, and operate our business; to manage corporate information technology; to detect and prevent fraud against you and/or us. 11. Background Screening Information 11.1. Personal Information Collected Includes: results of the following types of background screening: credit history, bond and surety history, criminal history; sex offender registration; motor vehicle records; employment history; drug testing. 11.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 11.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 11.4. Purposes for Collection, Use, and Disclosure: to screen applicants and employees for risks to the Company and continued suitability for their jobs, to evaluate employees for internal promotions. 12. Sensitive Personal Information 12.1. Social Security, Driver’s License, State Identification Card, or Passport Number. 12.1.1.1. Categories of Sources from which PI is Collected: directly from you. 12.1.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.1.1.3. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment, to onboard and enroll you as an employee, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems. 12.2 Account Log-in, Financial Account, Debit Card, or Credit Card Number in Combination with any Required Security or Access Code, Password, or Credentials Allowing Access to an Account. 12.2.1.1. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems. 12.2.1.2 .Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.2.1.3. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems. 12.3. Personal Information that Reveals an Employee’s Racial or Ethnic Origin, Citizenship or Immigration Status, Religious or Philosophical Beliefs, or Union Membership. 12.3.1.1. Categories of Sources from which PI is Collected: directly from you and documents you provide with your US Citizenship and Immigration Services Form I-9, from service providers that help us run our business, from third parties. 12.3.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.3.1.3. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, for diversity and inclusion programs. 12.4. Contents of Mail, Email, and Text Messages Except Those for which We are the Intended Recipient. 12.4.1.1. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business. 12.4.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.4.1.3. Purposes for Collection, Use, and Disclosure: to manage job duties, to evaluate performance, to operate our business, to manage corporate information technology. 12.5. Personal Information Collected and Analyzed Concerning an Employee’s Health. 12.5.1.1. Categories of Sources from which PI is Collected: directly from you, service providers that help us to run our business, and benefits providers. 12.5.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business and benefits providers. 12.5.1.3. Purposes for Collection, Use, and Disclosure: to manage job duties, to operate our business, to provide benefits incentivize making healthier lifestyle choices, and to comply with applicable laws and regulations. 12.6. Personal Information Collected and Analyzed Concerning an Employee’s Sexual Orientation. 12.6.1.1. Categories of Sources from which PI is Collected: directly from you, from service providers that help us run our business, from benefits providers. 12.6.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.6.1.3. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, to provide benefits, for diversity and inclusion programs. We do not use or disclose Sensitive Personal Information for purposes to which the right to limit use and disclosure applies under the CCPA. Additional Categories of Personal Information we Collect We collect the following information about you that does not directly fall within the categories listed in the CCPA: Visa status and work authorization information (including information from related documents, such as your passport, driver’s license, or other identification, proof of residence, and proof of authorization to work in the United States) Emergency contacts/next of kin information, details about your spouse/partner, dependents, and beneficiaries (such as their names, ages, titles, relationship to you, addresses, telephone numbers, and email addresses) Languages spoken Criminal records information including results of background checks obtained through government agencies such as the US Federal Bureau of Investigation Withholdings and tax information (such as information collected on IRS Form W-4 and California Tax Form DE 4) Information about births, adoptions, deaths, child medical support orders, loss of eligibility for medical coverage, and other life events that may trigger an opportunity to modify your benefits elections Information about your health, sickness, and absences (including information regarding your physical and/or mental health, any participation in health and wellness programs, drug and alcohol screening information, medical provider information – for example, if you apply for workers’ compensation – and information about any conditions that may require accommodations within the workplace) Information about your credit history and bond or surety history Unless otherwise specified, the sources of this Personal Information, the purposes for which we use it, and the categories of persons to which we disclose it are the same as those listed for Professional or Employment-Related Information. Disclosures of California Employee Personal Information We do not, nor have we within the preceding 12 months, sell or share for cross-context behavioral advertising the personal information of employees that we collect in relation to your employment at Vibrant Credit Union. If you also interact with us as a consumer, please review our Privacy Notice for more information about our practices in that context. How Long We Keep Your Personal Information We keep the categories of Personal Information described above for as long as necessary or permitted for the purposes described in this Notice or otherwise authorized by law. This generally means holding the information for as long as one of the following apply: Your Personal Information is reasonably necessary to manage our operations, to manage your relationship with us, or to satisfy another purpose for which we collected the information; Your Personal Information is reasonably necessary to carry out a disclosed purpose that is reasonably compatible with the context in which the Personal Information was collected; The Personal Information is reasonably necessary to protect or defend our rights or property (which will generally relate to applicable laws that limit actions in a particular case); or We are otherwise required or permitted to keep your information by applicable laws or regulations. Where information is used for more than one purpose, we will retain it until the purpose with the latest period expires. For more information about our retention policies, please contact us using the contact details below. Submitting Requests Relating to Your Personal Information If you are a resident of California, you have the right to submit certain requests relating to your Personal Information as described below. To exercise any of these rights, please submit a request by contacting us at hr@vibrantcu.org or (800) 323-5109. Please note that, if you submit a request to know, request to delete or request to correct, you will be asked to log into your employee account or to provide 2-3 pieces of Personal Information that we will match against our records to verify your identity. You may designate an authorized agent to make a request on your behalf; however, you will still need to verify your identity directly with us before your request can be processed. An authorized agent may submit a request on your behalf using the webform or toll-free number listed above. Right to Know. You have the right to know what Personal Information we have collected about you, which includes: The categories of Personal Information we have collected about you, including: a. Categories of Sources from which PI is Collected: directly from you, from service providers that help us run our business, from benefits providers. b. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, to provide benefits, for diversity and inclusion programs. c. The categories of Personal Information that we disclosed for a business purpose, and for each category identified, the categories of recipients to which we disclosed that particular category of Personal Information; d. The specific pieces of Personal Information we have collected about you. Right to Delete Your Personal Information. You have the right to request that we delete Personal Information we collected from you, subject to certain exceptions. Right to Correct Inaccurate Information. If you believe that Personal Information we maintain about you is inaccurate, you have the right to request that we correct that information. Right to Non-Discrimination for the Exercise of Your Privacy Rights. If you choose to exercise any of your privacy rights under law or regulation, you also have the right not to receive discriminatory treatment by us, including retaliation against you as an employee, job applicant, or independent contractor. How to Contact Us If you have questions regarding this Notice, you can contact us by phone at (800) 323-5109 or via email at hr@vibrantcu.org . Last updated: May 16, 2025.

Got questions about your Vibrant account? This is a good place to start. Find out deposit times, our mailing address, and more. Most(!) frequently asked questions Who can become a Vibrant member? Click here to learn more! What is my Vibrant routing number? 271183646 You'll also find it in the footer of every page of this website! How do I reset my online banking password? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? Some Vibrant branches do have a licensed notary among their staff, but unfortunately, it’s not a service we can guarantee will be available at all hours or at every location. If you do bring a document to be notarized at one of our branches, you will also need to bring someone with you to witness the document, as Vibrant employees cannot serve in that capacity. If we’re not able to help, notary services are also frequently available at public libraries, post offices, and other government buildings. How do I order checks? The easiest way is through online banking! From your browser: Log in , then go to TOOLS and select CHECK ORDERS. From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) How do I get a replacement debit card? To order a new card, please give us a call at 800.323.5109 or send us a message through online banking. An agent will place an order for your new card and it will arrive in 7–10 business days. Where can I cash in coins? Vibrant has a coin machine available to Vibrant members at our Moline branch near SouthPark Mall. Please visit the lobby to access the coin machine (going through the drive-thru is a good way to get your coins stuck in our tube!). When will my deposit appear in my account? If you make a deposit at a branch , it will appear in your account immediately unless there is a hold on the deposit. If you make a deposit at a Vibrant ATM , the first $275 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit. If you make a deposit through the mobile app , your deposit should appear in your account by the times listed below: Monday through Friday (all times are CT) Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. What are Vibrant's current rates? We publish rates for all our products on this website. What is Vibrant's mailing address? Send all correspondence to: Vibrant P.O. Box 1550 Moline IL 61266-1550 Deposits Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? Send us a secure message via your online bank account or call us at 1-800-323-5109. Make sure you have the beneficiary's full name, mailing address, date of birth, and Social Security Number. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Vibrant offers trust accounts for revokable trusts. If you'd like to set up an account, send us a secure message via your online bank account or call us at 1-800-323-5109. How do I close my account? What happens to my personal information when I do? Follow these step-by-step instructions on closing your Vibrant account(s) . See our privacy policy for details on how we handle personal information on active accounts and on closed accounts. Branches What are Vibrant's hours? Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays . Our branches are open from 8:30 a.m. to 5 p.m. CT Mondays through Fridays, and 8:30 a.m. to 12 p.m. CT on Saturday, excluding most federal holidays . Where are your branches located? Find the nearest credit union branch or ITM here . Deposits How do I deposit a check? There are three ways to deposit a check: at a Vibrant branch, at Vibrant ATMs located at our Moline (SouthPark and Vibrant HQ ) branches, or via the Vibrant mobile app. Download the mobile app for Android or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit at Vibrant Credit Union.” Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. How should I endorse a check I'm depositing via mobile deposit? When you endorse a check for mobile deposit, write the words "For Mobile Deposit at Vibrant Credit Union" above your signature. When will funds from my mobile deposit appear in my account? Deposit Approved Posted to Account 12 a.m. CT – 10 a.m. CT 12:15 p.m. CT 10:01 a.m. CT – 1 p.m. CT 2: 15 p.m. CT 1:01 p.m. CT – 4 p.m. CT 6:15 p.m. CT 4:01 p.m. CT – 11:59 p.m. CT 12:15 p.m. CT on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting. My mobile deposit was denied—what’s the reason? If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial. It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also, make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. Make sure all payees have endorsed the check (along with the words "For Mobile Deposit at Vibrant Credit Union") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees and deposited into an account owned by all payees. Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. How do I set up direct deposit? Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account. When does my direct deposit show up in my account? Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you. Why was a hold placed on my deposit? In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: Your deposit totaled more than $5,525 in a single day Your total deposit was larger than the balance available in your account Your account has been opened within the last 30 days The deposited check comes from an out-of-state financial institution If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit. Debit cards I lost my debit card! What can I do? 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. Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? It depends. If we detect suspicious activity on your account, Vibrant will text and call you to confirm whether the transaction is legitimate. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. However, there's a common scam that has affected some of our members that you should be aware of—"spoofing." Your Caller ID may show Vibrant's name or phone number, but the call might actually be coming from a scammer. Or you may receive a text that says it's from Vibrant when it's not. To protect yourself, never share the following information with any unsolicited contact: Your credit or debit card number Your Vibrant account number Your full Social Security Number Your PIN Your online banking username and/or password In addition, if someone texts you a link and tells you to click it to confirm or deny your transaction, DON'T CLICK IT. Vibrant will not ask you to provide a confirmation number that we sent you to confirm a transaction, and we will never disclose the items you purchased. If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking. 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. ACH transfers & payments How do I transfer money from Vibrant to another financial institution? Click here to learn more! How do I set up automatic payments? If you wish to make a recurring payment, choose BILL PAY from the main menu of either the Vibrant app or your online account. Set up a payee Choose ADD PAYEE, designate whether they’re a business or an individual, then whether you want to issue payment via a check, SMS, ACH (digital) transfer, or email. Enter their payment details. Set up a payment From the Bill Pay dashboard, choose your PAYEE, then choose MAKE A PAYMENT. Enter the amount of the payment you want to make, and choose the frequency (from weekly to annually and everything in between), the date when you want the first payment to be made, and the number of times you want to make payments (or, alternatively, the date when you want to stop making payments). How long does it take for a transfer from Vibrant to be deposited at an external institution? All electronic payments take about 3 to 5 business days to be completed. Online & mobile banking How do I set up online banking? Go to the login drop-down in the upper right hand corner of the Vibrant website and choose “No User ID? Enroll in online banking.” Just confirm your name, birthdate, SSN, and email address, and you’re ready to go! Help! I forgot my username and/or password for online banking. It happens to all of us occasionally! It’s easy to recover this information. On the main login screen, choose the “Forgot User ID?” or “Forgot Password?” links. How do I add my Vibrant debit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit card with Venmo, CashApp, PayPal, etc.? Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number). Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details. Loans When is my loan payment due? You can see your next payment due date via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If you don’t see a due date, your next account statement has not yet been issued. Check back soon! How much is my loan payment? You can view your loan payment amount via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If the payment amount is $0, your next account statement has not yet been issued. Check back soon! I received a notice about a missing title. What should I do? When you finance a vehicle with Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. If you receive a notice about a missing title, please contact the dealership where you purchased the vehicle to verify that the title has been sent to Vibrant. If you have additional questions, please reach out to our team for assistance. I received a notice about auto insurance. What do I need to do? While you're paying off your Vibrant auto loan, we need proof of full coverage insurance on the financed vehicle. You can share the declaration page from your insurance agent. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? Call Route 66, your extended warranty provider, at (800) 808-0828. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto, personal, or Loan Program (equipment) loan? You can apply online or contact our member service center if you need assistance filling out the application or have questions. *Skip-a-Pay qualifications are subject to change at any time. What is the fee for skipping a loan payment? It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing and if you have skipped fewer than six loan payments during the term of your loan. You can skip a payment on a Loan Program (equipment) loan a maximum of three times over the life of the loan if your account is in good standing, you've made at least one loan payment, and if you've skipped fewer than three loan payments during the term of your loan. *Skip-a-Pay qualifications are subject to change at any time. Titles How long will it take to receive my title? Vibrant has a 10-day processing period to release your title. After the title is released, it will be sent to you via mail. Can I expedite the title release process if I need it urgently for a private sale? We advise against attempting to expedite the process as it may lead to unintended complications. Instead, consider alternative options such as a Bill of Sale for immediate needs. Fraud I received a letter in the mail from Vibrant. Is it legit? First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.) If you receive a letter from Vibrant telling you your debit or credit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically). I received a call/text/email about fraud on my card. Is this legit? It might be! Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information: Your account number Your card number Your PIN Your online banking username and/or password Your full Social Security Number If in doubt, don't hesitate to contact us or send a secure message through online banking. ACH transfers & payments Online & mobile banking Loans Fraud

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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 3.75% APY* on balances up to $24,999 Get started ★ MEMBER FAVORITE ★ Preferred Savings 4.00% APY* on balances up to $14,999 Get started 6-month cd 4.10% APY* with $5 minimum deposit Get started New Member Offer: 4.40% APY* up to $5,000 Our Digital Advantage Savings account delivers high-yield growth with no minimum balance — available online only to new members. Learn about this limited-time offer 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 *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Personal checking account rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. 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% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Back to top Digital Advantage Savings account rates Average Daily Balance APY* $0 - $4,999 4.40% $5,000+ 0.01% - 4.40% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Digital Advantage Savings is only available for new members and must be opened online. Limit of one Digital Advantage Savings account per member. Take advantage of this limited-time opportunity. Open a savings account. Back to top Certificate of Deposit (CD) rates Term APY* 6-Month CD Special 4.10% 13-Month CD Special 4.05% 23-Month CD Special 3.80% 48-Month CD 3.65% 30-Month CD 3.50% 40-Month Bump-Up CD Special 3.35% *APY = "Annual Percentage Yield." APYs accurate as of April 16, 2026. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. View our Rates and Service Charges for more details. Federally insured by NCUA. 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. 13-Month CD Special will auto-renew into a 12-month certificate when the certificate matures. 23-Month CD Special will auto-renew into a 24-month certificate when the certificate matures. 40-Month Bump-up CD Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. 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 April 16, 2026. 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 April 16, 2026. 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 April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking accounts are a tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. 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 April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. 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 April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. 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

See all our current job opportunities at Vibrant. We'd love to talk with you! Open Positions You deserve a great place to work. We’ve worked hard to create a culture that inspires people to do great work every day. We want you to feel energized and empowered by the work you do, whether you’re working directly with members or supporting the people who do. See why our employees love working here

Safeguard your equipment loan with coverage from REV Insurance Group. Vibrant Credit Union members financing farm, construction, or specialty equipment can protect their investment with physical damage coverage. Primary Keywords: equipment loan insurance, protect equipment loan, Vibrant Credit Union equipment loan, REV Insurance coverage Secondary Keywords: small farm equipment insurance, equipment damage protection, secure your equipment loan Protect Your Equipment Loan with Confidence Financing equipment with Vibrant Credit Union? That tractor, mower, or skid steer isn’t just a tool—it’s the backbone of your work. And while we love optimism, accidents, weather, and the occasional “oops” happen. That’s where REV Insurance Group steps in. Contact us now Protect Your Equipment Loan with Confidence Financing equipment with Vibrant Credit Union? That tractor, mower, or skid steer isn’t just a tool—it’s the backbone of your work. And while we love optimism, accidents, weather, and the occasional “oops” happen. That’s where REV Insurance Group steps in. Learn More Why Coverage With REV Makes Sense Shield your investment from damage or unexpected repair costs Keep your loan secure—no surprises if the unthinkable happens Cover gaps in your home insurance: Avoid high home insurance deductibles Protect your claim-free discount Broader coverage for: Off-premises use Commercial use Higher limits for your equipment Focus on your work, not what-ifs Who This Is For If your Vibrant Credit Union loan is for: Farm & Ag Equipment Tractors, implements, and the accessories that power your farm or acreage. Construction & Landscaping The machines that keep your jobs moving—excavators, skid steers, mowers, and more. Small Business & Specialty Gear Unique or business-specific equipment that keeps your operation running. Getting Started Is Easy Questions? Want a quick walkthrough? Reach out to us today and we will help to make sure your equipment (and peace of mind) is covered. Contact us now FAQ Do I have to get insurance to finance my equipment? You only need coverage if you don’t already have insurance through another company that covers the equipment. What kind of equipment is eligible for coverage? Most small commercial, farm, or construction equipment financed through Vibrant Credit Union—think tractors, mowers, skid steers, and more. Not sure? Aaron can walk you through it. aaron@revinsurancegroup.com. What does the coverage actually protect against? Physical damage from accidents, weather, or other unexpected mishaps. Coverage includes: Fire Flood Theft Rollovers Wind and hail And more How do I sign up? Coverage can be purchased through your local dealer and included directly in your loan Aaron will help answer questions and ensure you pick the option that fits your needs aaron@revinsurancegroup.com.

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