Vibrant started the Be The Good Foundation to build and sustain vibrant communities throughout Iowa and Illinois. Be The Good Foundation Empowering Our Communities Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. BE THE GOOD FOUNDATION Empowering Our Communities Our Vision To be a driving force for positive change—fueling communities with funding, volunteer support, and opportunities to thrive. We envision Vibrant communities where people grow together, opportunities abound, and compassion leads the way.  Our Mission We fund projects and programs that boost financial literacy, equip kids with essential life skills, and create thriving communities. We do this with purpose and heart, rooted in our belief that when people and organizations come together for good, everyone benefits.  Groups We Support Be The Good Foundation particularly focuses on organizations and initiatives that support: Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. Our Core Values We love our communities and want to make them even better. We’re proud to be a part of the communities we serve. These aren’t just places on a map—they’re home. We believe that when you care deeply about a place, you do your part to help it grow, improve, and thrive. Whether that means supporting grassroots programs and projects, investing in local leadership, or simply showing up where we’re needed, we are here to uplift and empower. Our communities deserve to flourish, and we’re committed to being a part of that transformation every step of the way. We believe in good—doing good, being good, and spreading good. In a world that can often feel divided or heavy, we choose to lead with hope and positivity. We intentionally support programs and projects that are doing good in their pocket of the world—because we believe those efforts ripple outward in powerful ways. To us, “good” isn’t just an abstract idea. It’s about showing kindness, standing up for others, lending a hand, and doing what’s right, even when it’s not easy. By consistently choosing good, we hope to inspire others to do the same—and together, create a more compassionate and connected world. We’re here to help people. Helping others is at the heart of who we are. It’s not about grand gestures or recognition—it’s about meeting people where they are and supporting them in ways that truly matter. We believe that no act of help is too small. Whether we’re backing nonprofit organizations with innovative solutions, responding to urgent community needs, or simply making life a little easier for someone facing a tough time, we approach every effort with care, compassion, and the belief that every person is worth investing in. When people feel seen and supported, they can rise—and that’s the kind of world we want to build. We’re hopeful and optimistic. We see so much good happening around us—nonprofits doing extraordinary work, volunteers stepping up with heart, and communities coming together with courage and resilience. That gives us hope. We choose to believe in what’s possible, even in the face of challenges. Our optimism isn’t naïve—it’s rooted in the real, tangible work being done by people and organizations who care deeply and work tirelessly. That’s why we support them. They inspire us daily, and we believe their efforts are building a brighter, more vibrant future for everyone. We bring joy to what we do. Joy is a driving force in our work. Yes, we tackle serious issues—but we also believe that joy, gratitude, and connection make our efforts even more impactful. We celebrate the wins, cherish the partnerships, and find meaning in the small moments. When you love what you do and believe in why you’re doing it, joy becomes a natural part of the process. It fuels us, lifts others up, and reminds us that even in the hardest work, there’s room for light and celebration. We care about real results. We’re not just here to feel good—we’re here to do good, and to do it well. That means staying focused on the outcomes that truly make a difference in people’s lives. We want to see positive change that lasts—more access to opportunities, stronger support systems, healthier and wealthier communities. That’s why we support initiatives that are strategic, measurable, and seek real impact. When we give, we give with purpose. And we expect our partners to do the same, because our ultimate goal is lasting, meaningful progress—not just quick wins. Integrity matters—always. We believe that integrity is the foundation of everything. It builds trust, ensures accountability, and creates the conditions for real change. We hold ourselves to high ethical standards in everything we do—from how we select and support our grantees to how we communicate with our community. And we ask the same of those with whom we partner. Doing good isn’t just about the results—it’s also about how we get there. Integrity means being transparent, honest, and consistent, even when no one is watching. It’s nonnegotiable for us, and essential to the kind of impact we want to make. Our Board Tiffany Haedt President Megan Anderson Vice President Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Ready to get started? Apply for a Grant Eligibility Requirements We welcome proposals for conforming programs that align with our values and priorities. Please check our Grantmaking Guidelines to see if you're eligible to apply. Need More Information? Have questions about the process or want to request more information about the Be The Good Foundation? Request more details Grantee Forms & Resources Small Grant Proposal Regular Grant Proposal Cover Form Regular Grant Proposal Cover Form for Renewing Due Diligence Due Diligence Questionnaire Organizational Changes Supporting Documentation Supporting Documentation for Renewing Applicants Request to Support a Program Small Grant Report FAQ

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 3.75% APY* on your checking balance up to $24,999 That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Earn 3.75% APY* on your checking balance up to $24,999 That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and more—right from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena , special offers from Vibrant Music Hall , plus much more. Open a checking account Which account is right for you? Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 3.75% APY* on balances up to $24,999. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. 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. $ 0 – $24,999 4.00% Premier Checking Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% 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. 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 on 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 the interest rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month.

Learn about Vibrant HQ, Vibrant's corporate headquarters in Moline, Illinois. Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Add a Title Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Behind the Pinwheel Your one stop for everything Vibrant. Banking Check out our ITMs, where you can speak face-to-face with a teller, or come into a branch for help opening a new account, applying for a loan, and getting assistance with your existing account. Corporate offices It’s where to go for job interviews and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! A great place to work If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. Meet our state-of-the-art ITMs Our new all-digital branch at Vibrant HQ is the first to feature interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Working at Vibrant HQ Get a sneak peek inside our workspaces! Here are a few highlights. Three types of workspace—offices, pods, and cubicles Adjustable-height desks with laptop docking stations and dual monitors Locking personal storage cupboards State-of-the-art conference rooms for video conferences, presentations, and training Casual, comfy seating throughout the building-bring your laptop! Scooters you can ride to meetings throughout the building (just remember to ding the bell as you're rounding corners) Frequently asked questions How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday and 8:30 a.m. to 12 p.m. CT on Saturday. FAQs

“Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds . (“SMS” and “phishing” equals “smishing.” Get it?) There are all kinds of text scams going around—free vacations, text “XXXXX” to donate to disaster relief—but the most common are focused on stealing your personally identifiable information, including account logins and passwords, Social Security numbers, security codes, birthdates, and more. Often, the senders impersonate reputable brands, like Microsoft, Amazon, or the financial institution where you bank, to gain your trust. Smishing is effective because the messages are short (so there’s less opportunity to say something that sounds fake) and because it’s hard to preview a link without clicking on it. Further, many mobile numbers are available in public databases, making it easy for scammers to hit up a bunch of potential victims without a lot of effort. 3 smishing warning signs Pay extra attention to texts that include: Links to websites. While there are times when legitimate senders will include a link in their message (for instance, Hy-Vee wants give you access to the receipt for your online order), most senders will tell you to call (and you should verify that number belongs to the sender before you do!) or ask you to reply to the message. Blocked, unknown, or incorrect Caller IDs. If you can’t see who’s sending the message, there’s a good chance it’s an attempted smishing attack. Appeals to respond quickly. Scammers don’t want you to think before you act. So they rely on messages designed to make you feel as though you’re at risk. How to respond if you're being smished Don’t reply “STOP” if it’s offered as an option. When you do, you confirm to the scammer that they’ve reached a valid number with an attentive person on the other end. This particular conversation may stop, but you’ll likely be hearing from them again. Don’t give out any personal information. No reputable organization will request your date of birth, Social Security Number, address, or payment information via text. Report scam texts to your mobile phone company and the FTC. You can forward scam texts to your mobile provider by forwarding the text message to 7726 (that’s SPAM). And you can share your scams with the Federal Trade Commission at reportfraud.ftc.gov or call 1-877-382-4357. How to minimize your risk of being smished Actively block or filter spam messages from your phone. On Android’s Messages app , click the menu in the upper right corner and choose DETAILS, then choose the BLOCK & REPORT SPAM option. On iPhone's Messages app , if you’ve opened the message, scroll to the bottom, select REPORT JUNK, then click DELETE AND REPORT JUNK. Make sure your phone software is up-to-date. Don’t put off those software updates! Back up your phone data. If you have an Android phone, it’s easy to move your photos and data to Google Drive. Apple iPhone users can use iCloud or back up to your PC or Mac via iTunes. Previous Item Next Item

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

All Vibrant members are eligible for $1,000 of accidental death and dismemberment insurance paid for by Vibrant. You can also purchase up to $300,000 in additional coverage. Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Add a Title Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Plus guaranteed acceptance for up to $300,000 in additional coverage As a Vibrant Credit Union member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health. Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them. Learn more Andrea L. Heger, Licensed Insurance Agent #2277322 0122 1947555 Note, AD&D Products are not federally insured by the NCUA.

Vibrant is proud to be the official sponsor of the Quad City Strikers youth soccer organization. Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Add a Title Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Dear Strikers Family, Our ongoing partnership with the Strikers has been an amazing experience. From watching each team take the field for the first time in their Vibrant jerseys to cheering as they distinguished themselves in competition, it's been exciting to see these kids growing in skill and ability. We're proud to be a part of an organization where players learn to be their best on and off the field—and we’re excited for what comes next. Vibrant | #bevibrant Stay tuned for more great perks As the Strikers' corporate partner, we've worked with the organization to ensure players have access to trainers, indoor practice facilities, and great new jerseys. As the new season gets under way, we'll be pitching in to provide special try-out shirts, team photos, and unique gear for our hard-working coaches.

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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