Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? At first glance, most savings accounts look the same. They hold your money. They’re safe. They earn interest. But once you look a little closer, the difference between a traditional savings account and a high-yield savings account can be significant—especially over time. What Is a Traditional Savings Account? Traditional savings accounts are what most people are familiar with. They’re typically offered by banks or credit unions and provide: A safe place to store money Easy access to funds A small amount of interest They’re simple and reliable—but often come with lower interest rates than newer alternatives. What Is a High-Yield Savings Account? A high-yield savings account is designed to do the same thing—but more efficiently. You still get: Security Accessibility Stability But you also get: a more competitive interest rate , which allows your money to grow faster over time The core difference isn’t how the account works—it’s how much your money earns while it sits there. Explore high-yield savings options: High-yield savings accounts Key Differences That Matter The differences between traditional and high-yield savings accounts come down to a few key areas: Interest Rate: Traditional savings accounts typically offer low interest rates, while high-yield savings accounts are designed to provide more competitive returns. Growth Potential: With lower rates, traditional savings accounts may see minimal growth over time. High-yield savings accounts allow your balance to grow more meaningfully, especially as it increases. Accessibility: Both types of accounts generally allow easy access to your money when you need it. Safety: Both traditional and high-yield savings accounts are designed to keep your money secure. Why Many People Are Switching More people are starting to question whether their savings account is doing enough. The shift toward high-yield savings is driven by a simple idea: If your money is going to sit in an account anyway, it should be earning as much as it reasonably can. There’s no added complexity. No added risk. Just a better return on the same type of account. Which One Is Right for You? If your priority is: Keeping your money safe Maintaining easy access Earning more on your balance A high-yield savings account is often the better choice. If you haven’t reviewed your savings account in a while, it may be worth taking a second look. The Bottom Line Not all savings accounts are created equal. The difference between a traditional account and a high-yield account may seem small at first—but over time, it can have a meaningful impact on how your money grows. See how much more your savings could be earning: High-yield savings account Previous Item Next Item

Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. The Best Place to Keep Your Emergency Fund (Without Losing Access) Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. Where Should You Keep Your Emergency Fund in 2026? An emergency fund should give you peace of mind—not sit in an account earning next to nothing. But that’s exactly what’s happening for a lot of people right now. Even as interest rates have increased, many traditional savings accounts are still paying very little. Which means your emergency fund may not be working as hard as it could. So where should you keep it? Let’s break it down. What an Emergency Fund Needs to Do Before choosing where to keep it, it helps to define the job. Your emergency fund should be: Accessible — You can get to it quickly Safe — Your balance isn’t exposed to market risk Earning — It should grow, even while sitting idle If an account misses one of these, it’s not doing its job. Option 1: Traditional Savings Accounts Traditional savings accounts are familiar and easy to use. They offer: Security Simple access No surprises But many still come with very low interest rates, which can limit how much your money grows over time. For an emergency fund, that tradeoff matters more than most people realize. Option 2: High-Yield Savings Accounts This is where more people are starting to make a shift. A high-yield savings account is designed to do the same job as a traditional savings account—but with significantly better earning potential. You still get: Easy access to your money A safe place to store your funds But you also get: a more competitive rate that helps your balance grow over time For most people, this is the best balance of access and earnings for an emergency fund. Explore your options: High-yield savings accounts A Simple Way to Approach It For most people, the goal isn’t to find the most complex place to store an emergency fund—it’s to find the most efficient one. That usually means: Keeping your money fully accessible Earning a competitive rate Avoiding unnecessary restrictions A high-yield savings account checks all three boxes. Some people choose to keep a small amount of cash readily available for immediate needs, while storing the rest in a higher-earning account. This approach keeps your money both accessible and working for you. The Bottom Line Your emergency fund shouldn’t just sit still. It should: Be there when you need it Grow quietly in the background The good news is you don’t have to choose between access and earning potential anymore. See current savings options and rates: High-yield savings account Previous Item Next Item

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

Find a dealership in Vibrant Credit Union’s trusted network to finance your new or used car with our competitive rates. Fast, easy, and convenient auto loans to get you on the road. Find a trusted dealership near you We’ve teamed up with dealerships across the region to make financing your next vehicle easier than ever. Visit a participating location, choose your car, and ask to finance with Vibrant to get great rates and fast approval—right on the spot. How it works How it works Visit a participating dealer (list coming soon) Choose your vehicle — new or used Finance through Vibrant directly at the dealership Drive away with confidence. Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my car? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. Ready to get started? Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t. Apply now

New to Vibrant Equipment Lending? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Compact Equipment Promos Rural Lifestyle Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Yanmar customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to Wacker Neuson Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Wacker Neuson's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Wacker Neuson to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Wacker Neuson customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

New to McCormick Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is McCormick's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with McCormick to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for McCormick customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

Finance your new or used vehicle with competitive rates through Vibrant Credit Union’s trusted dealership network. Fast, easy, and convenient auto loans to get you on the road. One Stop for Your Vehicle and Your Loan Enjoy a simple, streamlined financing experience — all handled right at the dealership. Find a dealership GetMyCash How it works Financing your next vehicle through Vibrant is simple, fast, and designed to keep everything in one place. Here’s what to expect: Visit a participating dealer— Head to one of our trusted dealerships (see list of dealerships ). Find your vehicle— Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot. Apply and get approved at the dealership— Complete your financing application right there with the dealer — no extra trips or paperwork. Drive away the same day— Once approved, you can take the keys and hit the road immediately. Manage your loan with ease— Track payments, view your balance, and stay on top of your loan anytime through your Vibrant online account or mobile app. Find a dealership We're proud to partner with some of the best dealerships in the region Kunes CDJR Belvidere 1615 N State St. Belvidere, IL 61008 McGrath Chevy CR 1600 51st St. Cedar Rapids, IA 52402 Yemm Chevy 2195 N. Henderson St Galesburg, IL 61401 Interested in becoming a dealer? Join a growing network of dealerships partnering with Vibrant to deliver simple, competitive vehicle financing—right at the dealership, with the support and speed your team expects. Learn more Competitive rates designed to fit your budget Convenient on-site financing apply and get approved at the dealership Money in your account fast with same-day funding available Fast, easy process no extra steps, just a smooth path to your next ride Manage your loan anytime directly through your Vibrant account and mobile app Managing your vehicle loan Buying a vehicle is exciting, but there are a few important things to keep in mind after you drive off the lot: Submit proof of insurance While you're paying off your Vibrant loan, the financed vehicle must maintain full coverage insurance. Send us the declarations page from your insurance provider—visit www.myinsuranceinfo.com or c all 800-523-6404. Questions about y our vehicle title Vibrant holds your vehicle title until the loan is paid in full. If you have questions about title status, our team can help guide you through the process. Optional Vehicle Protection Products If you need to cancel ancillary product—such as extended warranties, GAP coverage, or service contracts—contact the dealership or product provider where the coverage was purchased. If you're unsure who to contact, our team can help point you in the right direction. Find a dealership Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my vehicle? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs.

Deposit a check There are three ways to deposit a check: at a Vibrant branch, at Vibrant ATMs located at our Moline (South Park and Vibrant HQ ) branches, or via the Vibrant mobile app. Download the mobile app for Anroid 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 Only.” 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. Previous Item Next Item

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

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