And how to know when you can keep scrolling How to Know When a Financial Tip Online Actually Applies to You And how to know when you can keep scrolling Scroll any social feed long enough and you’ll see it: “Everyone should be doing this with their savings.” “If you’re not using this account, you’re leaving money on the table.” “This one move changed my finances forever.” Some of it is solid advice. Some of it isn’t wrong, exactly. It’s just not right for you . And that’s the part that doesn’t get enough airtime. Because here’s the truth: good financial advice is rarely one ‑size ‑fits ‑all (even when it’s trending). If you’ve ever wondered whether a money tip you saw online actually applies to your life (or whether you can safely ignore it), you’re not behind. You’re paying attention . And that’s a good place to start. Why So Much Financial Advice Feels Urgent (and Generic) A lot of online financial content is designed to do one thing: catch attention fast. That leads to advice that’s extremely simplified, framed as universally applicable, and delivered with a sense of urgency (“Do this now!”). The problem? Personal finances are, well… personal. Your income, goals, risk tolerance, timeline, and comfort with technology all matter. Advice that works beautifully for someone in their 20s with flexible expenses may be totally unhelpful (or even stressful) for someone with a different setup. Urgency gets clicks. Context gets results. Unfortunately, context doesn’t always fit neatly into a reel. A Simple Rule of Thumb Before You Take Any Financial Advice Before acting on a tip, ask yourself this one question: “What assumptions is this advice making about my life?” You’d be surprised how quickly things become clear when you slow it down. A lot of financial advice quietly assumes things like: Your income looks the same month to month Moving money requires effort or delay You have to choose between access and growth Money should sit still to work effectively None of those assumptions are good or bad. They’re just assumptions. If advice only works when life is predictable, money is hard to move, or access comes at the expense of earning, it may need adjusting (or skipping altogether). The best guidance fits how you already live —not how someone else says you should. Signs a Financial Tip Might Actually Be Helpful Not all online advice is noise. Some of it is genuinely useful (especially when it checks these boxes): It explains why , not just what It allows for tradeoffs It gives options , not ultimatums Good advice respects context (and the fact that real lives are rarely perfectly optimized). Signs You Can Probably Scroll Past It’s okay to let go of advice that sounds like: “Everyone should be doing this” “If you don’t have this, you’re behind” “This works for anyone, no matter what” Financial confidence doesn’t come from copying someone else’s setup. It comes from understanding your own. How to Personalize General Advice (Without Overthinking It) If a tip seems interesting but not obviously relevant, you don’t have to accept or reject it outright. Try this instead: Match it to your goal (growth, stability, convenience, or security) Check the timeline (short‑term flexibility or long‑term payoff) Consider how hands ‑on it requires you to be If it doesn’t fit your life right now, that’s useful information, too. Why It’s Okay to Ignore “Popular” Financial Advice There’s a lot of pressure online to optimize every dollar, every account, every decision. The implication is that standing still is falling behind. But here’s something worth saying out loud: The best financial setup is the one you can actually live with. It’s okay if: You prefer simplicity over constant optimization You value access as much as growth You choose fewer tools instead of more Confidence grows when your system works for you (not when it looks impressive on the internet). One Last Thought Financial advice is a tool, not a test. You don’t earn points for following it perfectly, and you don’t fall behind by choosing differently. The goal isn’t to do what everyone else is doing. It’s to make decisions that support your life, your priorities, and your peace of mind. If a tip helps with that? Great. If not? Keep scrolling. That’s not apathy, it’s judgment. Previous Item Next Item

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 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 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 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 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. 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 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 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 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 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 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 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. 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 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 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 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 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 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. 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.

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 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 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 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 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. 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.

Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Previous Item Next Item

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 Year's 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. Saturday, May 30, 2026 Free Shred Day Bring your old documents to be shredded for FREE at our Moline HQ Branch location from 9 AM – 12 PM. No membership required. 2-box limit. More info here: https://www.facebook.com/share/1Kn1aBAhNm/ Friday, June 19, 2026 Juneteenth All Vibrant branches and our corporate headquarters will be closed in observance of Juneteenth. Saturday, July 4, 2026 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.

Log in to your Vibrant personal or business account, recover your password and User ID, or set up online banking.

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.

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

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

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