Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Want to be more financially savvy? These tips will help you skillfully manage your money Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Create an inflation-proof budget Rising prices can make it feel impossible to create a budget that allows you to enjoy life and still build your savings. But it is possible. Here's how to get started. Review your expenses. The first step to creating a budget is to review your bills and expenses. This is a great way to track where your money goes each month. Are you spending too much on dining out? Could you get a better deal if you switch cell phone providers? Are you paying for music and video streaming services that you don’t use anymore? Reviewing expenses gives you a better understanding of how your money is being spent and how you can modify your choices to live a more financially successful life. Increase your income. Take a look at your current salary and compare it to other people in similar roles (Glassdoor's salary index is a great place to start). Is it in line with industry averages for your role? If not, consider negotiating a higher salary with your current employer. Another option is to move to a different company. Protocol reports professionals who job-hopped in the past few years “received a 30% increase in salary.”If increasing your salary isn’t possible now, there are other ways to grow your checking account balance. Many individuals are starting side-hustles to supplement their income. If you have many years of experience in an industry, you can offer consulting or training services. If you have musical talent, you can perform at gigs or give music lessons. And, if you’re on social media all the time, consider that social media management and blogging are considered some of the most profitable side jobs. Expand your professional skills. Learning new skills can open up new job opportunities—and access to industries where you may not have experience. Start saving In addition to modifying your budget and increasing your income, saving money is a vital part of money management. Set aside a fixed amount to deposit into your savings account each month. It doesn’t have to be a large amount—you can start with 5 percent and increase that amount as your earnings increase. What’s important is to make savings a habit. Consider setting up an automatic transfer to savings every time you get paid. Invest for the future Investing can sound scary, but it doesn’t have to be. Investing is simply making your money work for you instead of having it sit in your bank account. Even if you’re not ready to invest in the stock market, putting your money in a high-yield savings account or a certificate of deposit can produce profitable results. If you’re not sure how or where to start investing your money, talk to a financial adviser for help evaluating your various investment choices. Review your retirement options Planning ahead for your golden years ensures your retirement will be enjoyable and relatively stress-free. If your employer offers a retirement plan like a 401(k), it’s a great idea to start investing in it as soon as you can, especially if they offer a matching contribution. If you don’t have access to an employer plan, or if you want to save more than your employer’s plan allows, you have two options for opening an individual retirement account (IRA). Traditional Individual Retirement Account (IRA) A traditional individual retirement account is funded with pre-tax money. This means you have the benefit of getting a tax deduction on your contribution. Be aware: This means you may owe taxes on the money when you withdraw it. You will also not be able to withdraw funds until you reach the age of 59½. Expect your retirement savings needs to change over time, especially if you change employers. Investopedia notes, “Rolling your money over into an IRA will often reduce the management and administrative fees you've been paying.” Your financial advisor can counsel you on the best course of action to take for your retirement funds. Sign up for Vibrant Credit Union’s personal banking services Transforming into a financially savvy superstar is easy when you take advantage of Vibrant’s personal banking services. Our friendly and knowledgeable team makes banking services easy to understand so you can achieve your financial goals. Contact us to discuss all that we can help you achieve. FAQs Q: What do I need to open a Vibrant checking or savings account? A: To open an account, you’ll need to provide the following: Full name Address Social Security Number Valid, government-issued photo ID: driver’s license, passport or military ID. Minimum deposit of $5 to activate your account. Every Vibrant member must open a membership savings account with a minimum $5 deposit before they can take advantage of other products and services. Q: How much money should I keep in my checking account? A: We recommend keeping 1–2 months of living expenses in your checking account. Q: How do I open an IRA? A: Schedule an appointment with a Vibrant personal banker to review your goals. They'll set up your account and help you choose a portfolio that's the right fit. Next Item Previous Item

Closing your Vibrant digital banking account Want to close your account? We're sorry to see you go. Once you close your account, you will no longer be able to access your account information through our online banking platform or mobile app. 1. Close your account in person. Visit one of our branches and request to close any or all of your accounts. Bring your current state-issued ID or driver's license. Talk to a staff member and let them know which account(s) you'd like to close. We'll ask you to sign an account closure form. We'll refund your balance in cash, with a cashier's check, or through a wire transfer to another financial institution. 2. Close your account by phone. Call us at 1-800-323-5109 between 8:30 a.m. and 5 p.m. CT Monday through Friday or from 8:30 a.m. to 12 p.m. CT on Saturday. When you connect, press option 1, then option 3. Tell our member contact center agent which account(s) you'd like to close. We will confirm your identity, then get your signature on an account closure form. You can choose to have us mail you a cashier's check for the balance of your account or help you transfer the remaining funds to another financial institution by wire. To learn how Vibrant handles your personal information and data while you're an account holder, as well as after you close your account, please see our privacy policy . Previous Item Next Item

If you've purchased equipment and financed it through a Vibrant loan, find out how to manage your payments, update your account, and more. Can't wait to get back to work? Don't worry—managing your equipment loan is fast and easy. Manage your account Add a Title Manage your account Don’t worry—managing your equipment loan is fast and easy. Can't wait to get back to work? Access your account online to view statements, manage payments, and review your payment history. Set up your account Set up an ACH transfer from your financial institution to your loan account using your account and routing number. Pay by ACH transfer... Set up automatic payments or make a one-time payment online using your debit card. ...Or pay by debit card Go to our loan payment portal Getting started FAQ Am I a Vibrant Credit Union member? Yes! You are now eligible for all our products—checking, credit cards, and more! Visit our website to learn more. How will I get my loan documents? You will receive your loan documents through DocuSign. Please save a copy of your documents at the time of signing. Where are you guys located? Our headquarters is located in Moline, Illinois, and we have branches in Iowa and Illinois. Can you help me set up an ACH transfer? Absolutely! If you're not comfortable setting up a transfer through our online portal we're glad to set it up for you. Call us at 800-323-5109 between 8:30 a.m. and 5:00 p.m. CT Monday through Friday, or from 8:30 a.m. to 12:00 p.m. CT on Saturday. How can I make a payment? You have three options for paying your loan: You can pay online with your debit card (where you can also access your account statements and payment history if you set up an account). You can pay online with an ACH transfer from your bank account. Need help setting up your transfer? Call us at 800-323-5109 and we'll take care of it. If you prefer, you can just mail us a check! Vibrant ATTN: Payments PO Box 1550 Moline, IL 61266 How can I set up an automatic payment? Log in to your loan account and choose "Pay my bills" under your latest invoice. When you enter your payment information, you can choose a one-time payment or a recurring payment. Can I pay by mail? Yes! You can send a check to the address below if you prefer to pay by mail. Remember to include your account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline, IL 61266 FAQ Getting started Set up your account Access your account online to view statements, manage payments, and review your payment history. Pay by ACH transfer Set up an ACH transfer from your financial institution to your loan account using your account and routing number. ...or pay by debit card Set up automatic payments or make a one-time payment online using your debit card. Manage your account Monday – Friday: 8:30 a.m. – 5:00 p.m. CT Saturday: 8:30 a.m. – noon CT Business hours Get personal support from our team. Call 1-800-323-5109 or send an email to connect with us. Need a hand?

QC Storm Game Ticket Giveaway Disclaimers Giveaway Overview: One winners will be selected to win four (4) tickets to the QC Storm game at Vibrant Arena on Novmber 1, 2025. To win, you must: Like the post and leave a comment. The winner will be randomly drawn from the entries by end of day on Thursday, October 30, 2025. If you do not wish to participate in the social media competition outlined above, you can submit your entry to marketing@vibrantcu.org . We will contact the winners by commenting directly on their post comment/emailing them back. Winners must pickup their tickets at Vibrant HQ in Moline, IL. If the winners do not respond back to claim their tickets by the end of the day notified, another winner may be drawn. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. This promotion is in no way sponsored, endorsed, or administered by, or associated with any social media platform such as Facebook, Instagram, LinkedIn, TikTok, etc. Any questions, comments, or complaints regarding any promotion should be directed to Vibrant, not to the social media platform. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on the dates specified in the Guidelines for the particular promotion. All entries or submissions must be received on or before the time stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must follow all required rules of entry to participate in the Giveaway. For social media specific Giveaways, rules may include “Liking” a post on Vibrant’s corresponding social media or commenting on a Timeline as instructed. No post or tag etc., on a personal timeline will be considered. After complying with the instructions and submitting the required information, the entrant will automatically be entered to win. You may enter as many times as you wish unless specifically prohibited by in the Guidelines for the particular promotion. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. A certain number of winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. Some Giveaways may have as few as one (1) winner but may have more than one as announced. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via a posting on Vibrant’s social media and/or by other means in Vibrant’s discretion. The prize or prizes shall be selected at the discretion of Vibrant and will be notated on the Credit Union’s social media with other applicable information. Each entrant is responsible for monitoring Vibrant’s social media for posts regarding prize notification and receipt or other communications related to the Giveaway or as specifically stated in the Guidelines. Vibrant may at its discretion contact winners using email, social media messaging or by comment on a Post. Potential winners must pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. SOCIAL MEDIA GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025 Next Item Previous Item

With interest rates high, now is a great time to consider adding a CD to your financial portfolio. Is a Certificate of Deposit (CD) right for you? With interest rates high, now is a great time to consider adding a CD to your financial portfolio. You shouldn’t expect to become fabulously wealthy by opening a Certificate of Deposit (CD). But if you’re looking for a safe place to earn a guaranteed return on your savings, right now is a great time to consider adding a CD to your financial portfolio. With interest rates rising, many CDs are paying the highest rates consumers have seen in more than 20 years. How is a CD different from an ordinary savings account? In simple terms, a Certificate of Deposit is a type of savings account—one that pays higher interest on your balance in exchange for your promise not to withdraw any funds for a set period of time, which at Vibrant can range from 3 months to 5 years. Further, so long as your deposit balance doesn’t exceed NCUA insurance limits ($250,000 in total deposits per account holder at a single credit union), those returns are guaranteed so long as you don’t need to withdraw your cash early—and it never hurts to have an extra level of assurance considering recent volatility in the banking sector . Talk to us if you’re interested in depositing more than $250,000 for cost-free strategies for maximizing your deposit insurance coverage. The kinds of people who should consider investing in a CD If your current financial goals fall into any of the following categories, a CD might be the right solution for you. You’re saving for a short-term goal If you’ve been setting aside money for a down payment on a home, a new car or boat, a dream vacation, or a wedding, then putting your savings in a CD is a good way to grow your nest egg faster without committing to a long-term investment. You want to jump-start your retirement savings Even if retirement is a long way off, you can invest in an IRA CD at any age—and, right now, potentially earn a better rate of return than you would through your 401(k). With an IRA CD, your investment itself is tax-deductible (similar to the way that 401(k) contributions are made with pre-tax dollars). And, unlike a conventional CD, an IRA CD enables you to put off paying taxes on the interest income you earn until it’s time to make a withdrawal from your retirement plan. You can even roll over your IRA into a different retirement savings plan without tax penalties once your 401(k) starts earning more. You want to protect your cash against inflation When inflation is high, the value of your savings decreases. Putting your savings into a CD can help protect your money by locking in a fixed interest rate until the economy improves. You want a safe and secure place to park your savings CDs are a low-risk way to grow your money. The interest rate is fixed, so you know exactly how much money you will earn. Further, Vibrant CDs are insured by the NCUA, which means your money is protected up to $250,000 per account holder (and you can talk with a banker about strategies to maximize your NCUA coverage if you want to invest more). You want a great rate but don’t have a lot of money to invest While many financial institutions require a minimum deposit amount in the four figures to get their best CD rates, all of Vibrant’s CDs are available with a minimum $5 deposit. The bottom line Before you put your savings in a CD, think carefully about when you will need to access the money you’re setting aside. All financial institutions charge some kind of early withdrawal penalty if you need to close a CD before it reaches maturity—up to and including giving up all the interest you’ve earned to date. Once you decide how long you can afford to set aside your savings, compare your options to find the term and interest rate that work best for you. See Vibrant’s current CD rates, then reach out to one of our personal bankers for help opening an account or open an account online . Disclosures Before you open a Certificate of Deposit, be aware that there may be penalties imposed if you withdraw your money before the end of the term. Unless you specify otherwise, Vibrant's certificates will automatically renew at the end of the term—the 13-month CD automatically renews into a 12-month CD at maturity. Vibrant will contact you before your CD reaches maturity to help you choose not to renew or if you'd prefer to renew for a different term. All Vibrant CDs are federally insured by NCUA. Next Item Previous Item

Find your account number To find your account number, you have a few different options: Refer to your Member Service Agreement that was sent to you via email shortly after your account was opened via DocuSign Grab a check and check out the two strings of numbers at the bottom. The first number starting with 2711..is our routing number. The second is your account number. Send us a secure message through online banking. Previous Item Next Item

According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Next Item Previous Item

Turning a hobby into a part-time job Making Money | 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. Next Item Previous Item

In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen. Why Vibrant turned its Bettendorf branch into a coffeehouse In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen. In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen . Naturally, people have a lot of questions. Here are a few answers. How does a credit union decide to start a coffeehouse? People used to choose where to bank based largely on which financial institutions had the closest branches—because every time you needed to make a deposit or get cash, you had to visit in person. Now that nearly 80% of Americans prefer to bank online, there’s a lot less need for multiple branch locations in every city. So a few years ago, we started looking at other ways we could maintain a presence in the community that went beyond traditional banking. How will the Bettendorf Coffeehouse compare to the Moline location? The menu will be the same, and the look and feel are similar—but the vibe is a little different. While our Moline location is in a mostly commercial area, the Bettendorf Coffeehouse will have more of a neighborhood feel—with a large patio and plenty of space for after-school hangouts and family gatherings. Can I bank there? One of the highlights of the new space will be a new interactive teller machine (ITM) that can handle all your banking transactions and connect you to a live representative when you need assistance. What will happen to the people who work at the Bettendorf branch? Don’t worry, we’re not going to make them learn how to brew coffee (unless they really want to!). Our branch employees will be moving into similar roles either at Vibrant HQ or at one of our other branches. Next Item Previous Item

Schedule an appointment online to meet with a Vibrant banker at Vibrant HQ to open a new account, get a financial review, or make changes to your existing account. Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Schedule an appointment with a banker Trying to decide what product is right for you? Schedule time to talk with a Vibrant Personal Banker. Open a checking or savings account Schedule a one-on-one meeting with a Vibrant banker to open a checking or savings account. Choose the date and time that works best for you! Open an account > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule > Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Open a CD >

Not sure which Vibrant account is the best for you? Take this short quiz about your financial habits and get recommendations. Get the card that comes with your favorite perk Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Become a member Add a Title

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