Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Flexible terms 5-, 10-, or 15-year repayment terms One-time lump sum Receive the full loan amount upfront, making it ideal for large expenses No prepayment penalties Enjoy the freedom to pay off your loan early without additional fees Today's rates Local knowledge Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Affordable rates & fees There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Education & guidance Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Fast, convenient closings Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Ready to unlock your home's potential? Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream home — and offering home equity loans to help them make the most of it. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years, have found your forever home, or want to tap into your equity for renovations, debt consolidation, or more. Get started (i) Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. (ii) Any periodic rate used to compute the finance charge, expressed as an annual percentage rate as determined under § 1026.14(b). (iii) The maximum annual percentage rate that may be imposed in a variable-rate plan. The Assumptions link takes us to the disclosures but TILA requires Clear and Conpicuous disclosures meaning the disclosed aspects have qual prominence and in close proximity to the advertised rates or payments triggering the required disclosures,

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

Plan your next visit to Vibrant HQ Branch - Moline. Get hours, services, and driving directions. Vibrant HQ Branch - Moline 6600 44th Avenue Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours (including ITMs) Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed Services ITM banking Cash-dispensing ATM Deposit-taking ATM Branch lobby open Drive-thru open FAQ

See where to find our Vibrant ITMs (interactive teller machines) and what makes them different from a traditional ATM. Say hello to ITM banking Just don't be startled when we say "hello" back. Get to know our ITMs Our ITMs (interactive teller machines) may look like ATMs, but they can do practically everything you'd visit a branch for. You can connect instantly via video with a Vibrant teller during business hours any time you need assistance You don’t need a debit card—just your photo ID When you deposit a check, you'll get an image of the deposited check on your receipt You can perform more types of transactions beyond getting cash or making deposits—including making a loan or credit card payment or transferring funds When to use TALK TO A TELLER ITM tellers are available 8:30 a.m. to 5 p.m. Monday through Friday and 8:30 a.m. to 12 p.m. on Saturday Our ITMs can also be used for simple tasks like making a deposit, getting cash, or checking your balance. During business hours, they can do a whole lot more. Select TALK WITH A TELLER on the main screen to: Cash a check Deposit cash or checks immediately Make a loan payment Move money from one account to another Get change for larger bills Update your contact information Order checks Order a replacement debit card How to MAKE AN ITM DEPOSIT You can insert up to 50 checks or bills at a time—the ITM will automatically scan and count them. Deposit checks by inserting up to 50 checks at a time in the deposit slot. The teller will ask you to verify each check image when it appears on screen. Deposit cash by inserting up to 50 bills in the deposit slot. The machine will display the total amount on screen. Please note that the ITMs do not accept coin deposits. How long does it take for my deposit to appear in my account? If you make a teller-assisted deposit, it should appear in your account immediately unless the teller informs you there will be a hold on the check. Why would Vibrant place a hold on my deposit? Your deposit totals more than $6,725 in a single day Your total deposit is larger than the balance available in your account Your account has been opened in the last 30 days The deposited check comes from an out-of-state financial institutions Find a location near you Bank in person at one of our Moline branches or enjoy full-service digital banking with our ITMs. Plus, Vibrant members now have access to over 30,000 surcharge-free ATMs. Find an ATM For a list of nearby ATM locations delivered right to your inbox, text your ZIP code to 91989. Vibrant HQ Branch Vibrant Credit Union 6600 44th Avenue Moline, IL 61265 More details SouthPark Branch Vibrant Credit Union 4400 16th St Moline, IL 61265 More details Vibrant ITM* Vibrant Coffeehouse & Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 More details *This location features a full-service ITM (interactive teller machine) that connects you with our Vibrant team via video. Frequently asked questions Are the Vibrant ITM tellers Vibrant employees? They sure are! You may even recognize some friendly faces from your last trip to a Vibrant branch. How do I cash a check at an ITM? Insert the check in the deposit slot when the teller is ready. An image of your check will appear on screen, and you'll have the option to deposit or request cash back in $100s, $20s, $5s, or $1s and change. Can I use the ITM without talking to a teller? Yes! You can withdraw cash, deposit checks, or view your balance at any time. When making a withdrawal, you can choose Select Your Bills to pick the denominations you want; otherwise, the machine will dispense the largest available bills. If you choose to deposit a check without teller assistance, be aware that only the first $275 of your deposit will be available immediately. The remainder will be available within two (2) business days, unless there is a hold on your check. I left my debit card at home. Can I still do my banking? Yes! Select TALK TO A TELLER and show them your government-issued photo ID to verify your identity. How do I pay my Vibrant loan or credit card bill through an ITM? Pay in cash or with a check by inserting it in the deposit slot when the teller is ready—or ask the teller to transfer funds from your Vibrant checking or savings account. Are the drive-thru ITMs available 24/7? While our drive-thru ITMs are available 24/7 for deposits or cash withdrawals, most other transactions will only be available during regular business hours. Will it take longer for my deposit to post than it would if I went to a ordinary branch? Nope! When you use the "talk to teller" option, your deposit will post at the same time it would if you made the deposit in person at a branch. Can I deposit coins through a Vibrant ITM? Unfortunately, our ITMs do not have the ability to accept coins. Can I get a cashier's check or money order from a Vibrant ITM? If you're at our Vibrant HQ location, you can get cashier's checks and money orders through the ITM. You will need to pick these items up from our front desk staff in the Vibrant HQ lobby. If you're using any other ITMs, you can request to have a cashier's check mailed to you. Send us a secure message for more information! How can I ensure my transaction is private? You can either use the handset on the machine to speak directly with your teller or communicate via typing into the keyboard. There is also a mic jack on the machine for members who need to connect assistive technology. Can I get change for a $100 bill through a Vibrant ITM? You absolutely can, provided you connect with a teller through the ITM first. They can dispense $1, $5, $20, and $100 bills as requested. NOTE: If you're making an ordinary cash withdrawal without teller assistance, your withdrawal will be available in $20 bills only. FAQ

Turning a hobby into a part-time job Making money by Alyssa Streets Turning a hobby into a part-time job Welcome to Making Money , a series of conversations with entrepreneurs at all stages of their careers about what they’ve learned about starting and running their own businesses. We start with Alyssa Streets, 25—currently a social media specialist at Vibrant but also a longtime barista and inveterate thrift shopper—whose passion for thrift shops has become a steady source of income. When did you get interested in vintage clothing? I grew up without a lot of money, so I’ve gone thrifting as long as I can remember. That’s just where we bought our stuff. I was very embarrassed about it in high school, but then I discovered this YouTuber—all she did was thrift, her entire closet was all vintage clothing. I was really inspired by her look and started discovering my own personal tastes and wearing really weird out-of-pocket things. How did you start selling clothes? I majored in fashion in college, and I definitely have an eye for cool clothes. I started reselling some of my own stuff through Poshmark in college mostly to keep my closet from getting out of control. Sometimes I might find designer brands while I was thrifting, and I’d resell those, too. I still sell a lot of stuff on Poshmark, but I also have a lot of Instagram followers, so I sometimes sell stuff via Stories. I also do markets a few times a year. No judgment, but what is your personal closet situation? I have two full-sized closets plus a clothing rack in my apartment. So yeah. I have a lot of clothes. How often do you go thrifting? I probably go once or twice a week. I love to go through the Goodwill bins where they sell unsorted stuff by the pound, and you just have to scrounge through everything. I’ve found a lot of cool things that way, like vintage Harley-Davidson shirts. On the one hand, it’s an incredible bargain, but on the other hand, it takes a lot of time to dig through everything, you get itchy because there’s a lot of dust coming up and everyone around you is sneezing, and honestly, it’s kind of gross. Another place I find a lot of my stuff is at estate sales. Especially when I was working in the service industry and had Friday mornings off, I would show up Friday morning at 8 a.m. and get a number and wait in line to raid the closets. Those sales are very cheap—like $2 for any item—because people need to move things out, but the quality is often really good, because someone was still wearing it. Could you ever see yourself doing this full-time? I've been really inspired by Becca and Red at Abernathy's and would love to have a business like theirs one day. I worked there for about a year and learned so much. (And they still lend me their tag gun for markets!) But I saw just how much work they have to put into it to make it successful. It’s hard for them to take time off. And I’m not really at a point in my life where I’m ready to sacrifice like that. I’ve made an effort in the past to establish my own brand, like they have, with a shop website and a dedicated Instagram, but at the time, I was also working full-time and going to school full-time, and it was really hard to keep up. I think it would be really cool to open up a coffee shop/vintage resale store one day, but for now it’s more for fun. I have a good eye for thrifting and flipping and I love selling at markets and talking to people. And it’s a great way to make some extra cash when I need it. How much extra cash are we talking about? Definitely not enough to support myself, but enough to pay a few bills—and when I’m short on cash, I know I can go into my closet and grab a few things and make what I need. I think I’ve probably earned about $3,000 on Poshmark since I started selling stuff there, but I have literally never cashed out my account. I just use it to buy other stuff on Poshmark. Like if I need a nice pair of boots or want a new perfume—they have a lot of stuff that you can’t find at Goodwill. But it still lets me shop for it secondhand. Do you think you’d continue to thrift even if you landed a high-paying corporate gig one day? I think so, because I do like the thrill of finding cool things. When I’m at the Goodwill bins and I find an awesome shirt, it makes me happy to bring it to someone in my community who’s going to love it. Shop Alyssa’s Poshmark store or follow her on Instagram to see pop-up specials and find out about her upcoming market schedule. When it’s time to move your money from Poshmark or Venmo and start putting it to work elsewhere, talk to us about our business checking and business savings accounts, with no monthly fees, transaction limits, or minimum balance requirements. Previous Item Next Item

Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Kids take over—again! Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Moline, IL – December 31, 2025 After an overwhelmingly positive response to last year’s inaugural event, Vibrant Credit Union—alongside the Quad City Storm hockey team and Junior Achievement of the Heartland—is proud to bring back the second annual QC Kids Run the Show hockey game. This unique, fan-favorite experience returns to give young leaders another chance to step into the spotlight for a night of excitement, confidence-building, and unforgettable memories. Happening on Friday, January 9, 2026 , at Vibrant Arena at The MARK, QC Kids Run the Show invites local kids to take over key roles behind the scenes and on the ice. Participants will once again get hands-on experience announcing plays, running in-game entertainment, assisting coaches, collaborating with the media team, and helping stage a professional hockey game from the inside out. “Seeing the impact of last year’s event made it clear—we had to bring it back for 2026,” said Vibrant Credit Union President and CEO, Matt McCombs. “Kids Run the Show gives young people a chance to build leadership skills, try new challenges, and have a whole lot of fun doing it. We’re thrilled to continue this partnership with Junior Achievement and Quad City Storm to inspire even more local kids in 2026.” The fun doesn’t stop at the puck drop. Throughout the night, Vibrant will shine a light on its High Yield Savings Accounts to help kick off easy, real-life conversations about saving and smart money habits with students, families, and fans. It’s all about giving people tools they can actually use and rates that give back—another example of Vibrant’s commitment to strengthening the communities it serves. Junior Achievement, known regionally for championing youth leadership and financial empowerment, is excited to return for year two. “Last year proved how transformative hands-on learning can be,” said Lysa Hegland, President of Junior Achievement of the Heartland. “We’re thrilled to once again partner with Vibrant Credit Union and the Quad City Storm to give kids real-world roles that boost their confidence and expand their vision for the future.” The Quad City Storm team is also energized to welcome their young collaborators back to the rink. “Hockey is always better when the community is involved—especially its youngest members,” said Brian Rothenberger, Quad City Storm Team President. “We loved what the kids brought to game day last year, and we can’t wait to see them take charge again.” Tickets for the 2026 QC Kids Run the Show game are available now at bit.ly/QCkidsruntheshow . For each ticket purchased, $5 will be donated to Junior Achievement of the Heartland . Families, fans, and community members are invited to join in cheering on both the Quad City Storm and the next generation of local leaders. #QCKidsRunTheShow About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union rooted in agricultural manufacturing and built for what’s next. Now a national leader in deposit rates, Vibrant delivers top-earning accounts, intuitive digital banking, and fast, flexible money movement—giving customers across the country a smarter way to bank. Beyond financial performance, Vibrant is driven by purpose, providing specialized solutions for nonprofits and small businesses and championing its call to Be The Good . Staying true to its origins while pushing forward, Vibrant also powers outdoor equipment manufacturers nationwide through relationship-driven, education-first equipment financing programs About Junior Achievement Junior Achievement is dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs are delivered by corporate and community volunteers, and provide relevant, hands-on experiences that give students from kindergarten through high school knowledge and skills in financial literacy, work readiness and entrepreneurship. Locally, Junior Achievement of the Heartland serves 24 counties in eastern Iowa and western Illinois. About Quad City Storm The Quad City Storm is in its 7th year of serving as the community's team; providing unmatched excitement, energy and entertainment while giving back to and supporting the QCA. To date, the Storm has donated more than half a million dollars to local non-profit organizations. The Storm is a locally and Veteran owned team that competes in the SPHL. To learn more about the Storm follow us on social media and visit QuadCityStorm.com. 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

Find the right credit card for your needs. Choose from low-interest credit cards, cashback credit cards, travel rewards credit cards, and more. Apply now. Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards More cards, more options Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, there's a card to help you do it. Whichever you choose, you can count on these great features. Accepted at millions of locations worldwide Mobile purchasing for added convenience Zero Fraud Liability* You won't be liable for fraudulent purchases when your card is lost or stolen. 24/7 cardmember services Find the right card *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Frequently asked questions Where do I send my credit card payment? Starting in March 2025, Elan Financial Services will handle service and processing for all Vibrant Mastercard accounts. Watch your mailbox for communications from them about your account. Access your account now . I already have a Vibrant Mastercard, but I'm interested in a different rewards program. Can I change cards? You can choose from a variety of cards and rewards programs based on your interests and financial needs. Explore all your card options . Where can I find your interest rates? See the latest rates on all your credit card options to find the one that's best for you. Is there an annual fee for these credit cards? Most of our new credit card options are available without an annual fee. However, some premium rewards programs may charge a fee. Get the details . What if my credit history isn't that great? Check out the Vibrant Secured Card and see if it's a good fit for your situation. It's a great way to start building or improving your credit history.

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

We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. we are vibrant. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. our mission Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Our mission our core values our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. Our core values What drives us Reciprocity with Purpose We’re redefining banking to be digitally-led, people-assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. what drives us Reciprocity with Purpose We’re redefining banking to be digitally led-people assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. Vibrant Credit Union & Be The Good Foundation Vibrant is more than just a 90-year-old credit union — we’re something new. Think of this as our rebirth. We’ve always been a place where people can count on us as a credit union and for support, but now, we’re intentionally building around a deeper purpose: total health. We see total health as having four pillars: Physical Health – Feeling strong, energetic, and cared for. Mental & Emotional Health – Feeling grounded, supported, and connected. Financial Health – Feeling confident, capable, and empowered. Foundational Health – The systems and support that make the first three possible. That’s community. That’s relationships. That’s us. Our Be The Good Foundation supports initiatives and ideas that increase these kinds of pillars within our community — because when you thrive, we all do. Vibrant Credit Union is here to help you become the best version of yourself — and then send that version back into the world. That’s how communities grow stronger. That’s how people gain balance, even when the balance in life shifts. Think of us as all that, and more. We’re not just holding your money — we’re holding space for your potential. And then giving everything we can right back to help you realize it. To make you brighter, bolder, and even more Vibrant. Smart banking made simple Flow like a pro Life moves fast—so should your money. Our fee-free checking is like the zen of banking: effortless, intuitive, and always in the moment. Tap, swipe, transfer—repeat. With tools to keep your spending in check, you’re not just tracking your money, you’re mastering the art of financial flow. Learn more Grow what matters Saving doesn’t have to be all spreadsheets and self-restraint. With a Vibrant savings account, your money does the adulting while you dream big. Stash your cash, skip the nonsense fees, and earn like a boss. It's like planting a money tree—only real, and less likely to attract squirrels. Vacations? Guitars? That inflatable hot tub you swear you’ll use? Yeah, that kind of growth. Learn more The future, sealed with certainty Think of it as a time capsule for your money. Lock it in, let it chill, and come back later to find it’s grown—no guesswork, no drama. With fixed rates and flexible terms, our CDs are a simple way to say, “Hey future me, you’re gonna love this.” Learn more Vibrant Credit Union is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. Responsible growth Extended secure account coverage From dreams to driveways Collaborating for your financial success Vibrant is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. responsible growth extended secure account coverage from dreams to driveways secure peace of mind collaborating for your financial success Vibrant Credit Union's complete offerings No gimmicks. Just smarter banking that puts you first. Discover the Vibrant difference today. Premier Checking Account learn more Everyday Checking Account learn more Everyday Savings Account learn more Preferred Savings Account learn more Premier Savings Account learn more Elite Savings Account learn more Certificate of Deposits (CDs) learn more Personal Credit Cards learn more Community Business Checking learn more Community Business Savings learn more Business Credit Cards learn more Insured Money Market Accounts learn more Home Loans learn more Skip-a-Pay learn more Life Event Loans coming soon

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

Make the most of your Vibrant account with these handy tools. Sign up for e-statements, request Skip-a-Pay on your personal or auto loan, and more. Bank your own way Find everything you need to manage your finances. View FAQ Add a Title Bank your own way Find everything you need to manage your finances. View FAQ Shorten your to-do list E-statements Save a trip to the mailbox and get instant access to all your account statements when you sign up to receive them electronically. Learn more Direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. Enroll now AutoPay Never forget an insurance or loan payment. You can even set up direct deposit for your employees! Enroll in AutoPay Set up online banking Securely access all your Vibrant accounts via your browser. Check your balances Pay bills Transfer money Enroll in online banking Stretch your budget with Skip-a-Pay Short on cash because of unexpected expenses? With Skip-a-Pay, you can skip your monthly payment on your Vibrant vehicle or personal loan up to two times a year (non-consecutive months only). Request Skip-a-Pay The closest branch is as near as your phone Android Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App on Google Play> Apple Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App at the App Store> More resources How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more >