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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. Previous Item Next Item

Find affordable options on mortgage and refinances through Mortgage Center, a credit union-owned mortgage company. See current rates. Get a great rate on your new home Financing a home is easier than you think with help from Mortgage Center. Get started Meet the homebuying experts at Mortgage Center Vibrant is pleased to introduce you to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Local knowledge Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Affordable rates & fees There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Education & guidance Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Fast, convenient closings Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Today's rates See all mortgage rates * APR = Annual Percentage Rate. APR is accurate as of today's date and is subject to change without notice. Rates and terms vary based on credit profile, loan amount, and property type. All loans subject to credit approval. Get a great rate on your new home Financing a home is easier than you think with our partners at Mortgage Center. Get started Talk to Mortgage Center Wondering how much money you'll need to purchase a home? Or whether you even qualify for a home loan? No matter where you are in the homebuying process, Mortgage Center is ready to help. To get started, submit the form below. Don't worry, this isn't an application—just the start of a conversation.

Learn about the latest developments at Vibrant and check out our blog for sound advice about your finances. News Mitsubishi HC Capital America and Vibrant Credit Union expand retail financing for inventory finance dealers New relationship enhances customer access to retail financing for compact agriculture and construction equipment across the United States. Read more at CUInsight > Vibrant Credit Union named Best Credit Union in 2026 Buy Side Awards by The Wall Street Journal Vibrant Credit Union has been named Best Credit Union in the 2026 Buy Side Awards presented by The Wall Street Journal, a national recognition honoring financial institutions that deliver exceptional value, performance, and member experience. Read more at CUInsight > Vibrant CTO Pete Nohelty joins Metal Blockchain Advisory Council His appointment brings unparalleled expertise in tailoring blockchain solutions for credit unions, focusing on critical areas such as digital payments, stablecoins, digital identity, and private subnets, thereby amplifying Metal Blockchain's value for financial institutions. Read more at Metal Blockchain > Read more in American Banker > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Listen at Gallup.com > Investing in and developing people leaders at Vibrant In Gallup's Called to Coach webcast, Jon Sexton (senior vice president of culture and leadership development), VP of corporate services Jennie Powless, retail sales director Lola Williams, and branch manager Jane Evans talk about Vibrant's leadership development training and how it's helped them grow in their careers. Visit OurQuadCities.com > Vibrant shows off more images of updated arena Moline-based Vibrant Credit Union shared some additional images that were introduced at Thursday’s announcement of the renaming of the TaxSlayer Center to Vibrant Arena at The MARK effective Sept. 1. Visit Quad Cities Business > New HQ captures Vibrant Credit Union’s culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Read more > Quad-City Times: Art creates good vibes A Quad Cities artist is creating custom murals at Vibrant branches across the region. Visit CUTimes.com > CU Times: Vibrant PPP loan lending supports businesses The credit union originated more than $200 million in PPP loans for companies across the United States. Read more > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) Read more > Award-Winning. Again. (Not our words, the WSJ's.) Read more > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. Read more > How Compound Interest and High-Yield Accounts Actually Work Together It's the "secret sauce" for making the most of your money. Read more > How to Know When a Financial Tip Online Actually Applies to You And how to know when you can keep scrolling Read more > Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Read more > Vibrant Credit Union launches the Be The Good Foundation The new foundation deepens our mission to bring more good into the communities we love. Read more > 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. Read more > Why the federal reserve changes rates (and why savers shouldn’t wait too long.) Read more > Why savings rates are changing — and why that’s still good news for you When the Federal Reserve changes interest rates, it affects nearly every part of the financial world — including your savings account. So, if you’ve noticed an update to our deposit rates, here’s what’s happening and why Vibrant Credit Union remains one of the best places to grow your money. Read more > Will a checking account affect your credit score? Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Read more > Understanding why interest rates change Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. From the blog

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

Get help managing your financial portfolio from Vibrant's own certified financial advisers. Make an appointment today. You can become a Vibrant member no matter where you work or live* We welcome all U.S. citizens and permanent residents. To get started, choose the category that describes you I'm already a member Hey there! Because you're already a member, you don't need to go through all the red tape to open an additional account. See for yourself how easy it is! Get started I live or work in Iowa Do you live in or work for a business in one of these eligible Iowa counties ? You automatically qualify for membership. Open an account I live or work in Illinois Do you live in or work for a business in one of these eligible Illinois counties ? You automatically qualify for membership. Open an account I live or work in Wisconsin Do you live in or work for a business in Grant , Green , or Lafayette County ? If so, you automatically qualify for membership. Open an account I want to be a part of the Be The Good Foundation. Become a Friend of Vibrant’s Be The Good Foundation. We’ll make a $5 donation on your behalf to support financial literacy, youth life skills, and strengthen communities through grants, volunteers, and partnerships. Open an account I live or work in Indiana Do you live in or work for a business in Fountain , Vermillion , or Warren County ? You're welcome to join. Open an account I'm a member of an association that Vibrant partners with Are you a member of one of these eligible associations ? Not sure if this applies to you? Get in touch and we'll check to see if you qualify! Open an account I want to join the Illinois Consumer Council The Illinois Consumer Council (ILCC) is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers—and its members are automatically qualified for Vibrant membership, too. Open an account I'm not sure! Help! There are other ways to qualify for membership. Contact us at 1-800-323-5109 to discuss your eligibility or apply for membership online. Get started * Pursuant to Vibrant’s current eligibility requirements, which may include Field of Membership and internal policies.

Why there are two numbers (and what they actually mean) APY vs. Dividend Rate Why there are two numbers (and what they actually mean) If you’ve ever looked at a savings account and thought, “Wait… why are there two different rates?” — you’re not alone. APY. Interest rate. Dividend rate. It can feel like we’re all speaking slightly different versions of the same language. The good news? It’s actually way simpler than it sounds. Are these actually different things? Not really. Interest rate is the term most banks use. Dividend rate is what credit unions use (because you’re earning a share of earnings as a member) Functionally, they’re the same thing: the base rate your money earns So what’s going on with the two numbers? It comes down to this: Dividend rate (or interest rate) = the base percentage your money earns APY (Annual Percentage Yield) = what you actually earn after compounding kicks in Let’s simplify Dividend Rate This is the starting point. It’s the rate used to calculate your interest. A simple snapshot of what your balance earns before anything has time to build. APY This is the real outcome over a year. Because in real life, your interest doesn’t just sit there—it gets added to your balance, and then it starts earning too. That’s compounding. In simple terms: APY shows your money growing on top of itself. It’s like this... Think of it like your paycheck: Dividend rate = your hourly wage APY = your full paycheck after overtime Your hourly wage tells you where you start. Your paycheck shows what you actually take home after everything adds up. What that looks like in our accounts When we say you can earn 4.00% APY*, we’re talking about the full picture— what your money can earn over the course of a year as it compounds. But every story has a starting point. We start with the dividend rate because it’s the rate used to calculate your interest in the first place. Remember, think of the dividend rate as a snapshot . APY is the full story —after your money has had time to build, stack, and grow on itself. The short version Two numbers. One story. The dividend rate tells you where your earnings begin. The APY shows where they can go over time And honestly? We can show you how your money starts growing. But the best part? That’s just page one. Previous Item Next Item

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. If it does, that’s usually not because you’re irresponsible, unmotivated, or “bad with money.” More often, it’s because the system you’re using asks too much of you. The easiest money systems aren’t the ones that look impressive or require constant attention. They’re the ones that quietly do their job in the background while you go live your life. The five habits below aren’t about optimizing every dollar. They’re about removing friction, reducing mental load, and building a setup that works without requiring babysitting. 1. Choose Simple Over “Optimal” There is almost always a more “optimal” financial setup on paper. Another account. Another tool. Another tweak that promises slightly better results if you’re willing to manage it closely. The problem is that systems built for optimization often break down in real life. They require maintenance, attention, and regular adjustments just to keep working as intended. A practical habit: at any point, you should be able to explain what each of your accounts is for in one sentence . If you can’t, that account is probably adding confusion instead of clarity. Simple systems are easier to understand, easier to trust, and far more likely to hold up when life gets busy. (And life always gets busy.) 2. Automate the Things That Cause Misses Most financial mistakes aren’t strategic. They’re forgetful. Missed transfers, overlooked payments, or unreviewed activity usually happen because something relied on memory instead of process. And memory is not a reliable system. A practical habit: if you’ve ever thought “I need to remember to do that,” automate it instead . That might mean: Recurring transfers Alerts for balance changes or activity Scheduled check-ins instead of constant monitoring Automation isn’t about giving up control. It’s about removing unnecessary pressure. When routine actions happen automatically, there are fewer opportunities for small oversights to turn into larger problems. 3. Make Awareness Passive, Not Performative Constantly checking balances or reviewing activity doesn’t usually create clarity. It often creates anxiety. A better approach is awareness that works quietly in the background. A practical habit: set up your system so you’re alerted when something actually needs your attention — not just because something exists . Unusual transactions, large purchases, low balances — those deserve your attention. Normal Tuesday activity doesn't. With the right alerts, you stay in the loop without feeling like you're monitoring a live feed of your own money. 4. Avoid Systems That Penalize Normal Behavior If using your own money creates stress, the system is the problem. Not you. Some financial setups quietly discourage normal activity. Spend too much, move money too often, or live like a human being, and suddenly there are penalties, reduced benefits, or rules you’re always worried about breaking. A practical habit: evaluate whether your accounts reward consistency or punish normal use . A healthy system should work whether you: Pay bills regularly Move money between accounts Use your debit card often Let balances fluctuate from time to time Changing how you live to avoid consequences? That’s backwards. Good financial tools accommodate real behavior instead of requiring perfect behavior. 5. Measure Success by Ease, Not Impressiveness A financial system doesn’t need to look complicated to work well. In fact, the systems that last tend to be the ones you don’t think about very often. They don’t require constant tweaking, troubleshooting, or second‑guessing. A practical habit: pause occasionally and ask yourself, “Does this feel calm to use?” If managing your money feels predictable instead of reactive, clear instead of stressful, and steady instead of fragile — that's the system doing its job. Ease isn't a shortcut . It's usually the result of getting the design right. Why These Habits Work Better Together Each habit helps on its own. Together, they reduce decision fatigue, build trust in your setup, and make it easier to stay consistent. Which is what people usually mean when they say they want to be "better with money." Not perfection. Not constant optimization. Just fewer problems and less friction over time. Final Thought Managing money isn’t about doing everything right. It’s about choosing habits and systems that don’t demand more energy than they’re worth. When your financial setup works quietly in the background, it’s easier to focus on everything else that matters. That's not a nice-to-have. That's the whole point. Previous Item Next Item

See all our current job opportunities at Vibrant. We'd love to talk with you! Open Positions You deserve a great place to work. We’ve worked hard to create a culture that inspires people to do great work every day. We want you to feel energized and empowered by the work you do, whether you’re working directly with members or supporting the people who do. See why our employees love working here

Vibrant employees get all the usual benefits, including affordable health, dental and vision care. But there's a lot more, from time off to volunteer to tuition reimbursement. Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Add a Title Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Go out and make a difference Paid time off for volunteering Get 8 hours a year to contribute to the organization of your choice. Participate in a neighborhood clean-up, help out at a community event, volunteer at a shelter. Leadership development Every year we offer two different courses to help our employees collaborate better, prove themselves with special projects, and take their leadership skills to the next level. Keep yourself and your family healthy Medical Get affordable Blue Cross Blue Shield coverage for yourself, your spouse, and your family. PPO plan with low physician co-pays, savings on prescriptions, and a lower deductible HSA options with lower monthly premiums that enable you to pay out-of-pocket health costs using tax-free contributions to your health savings account Dental Save big on preventive care, major services, even orthodontics for the kids. PPO plan allows you to choose your own dentist Flexible plans built to cover just you, or everyone at home. Vision Get low-cost annual vision exams plus great savings on lenses, frames, and contact lenses. Includes laser vision correction through a network of providers Individual and family coverage available. Prepare for a secure financial future 401(k) retirement plan Automatically contribute to your plan each paycheck, up to the IRS maximum limit. Choose between traditional (pre-tax contributions) and Roth (after-tax contributions, with no taxes when you withdraw) options Create a custom portfolio from a range of leading mutual funds from top investment firms Vibrant will match your 401(k) contribution dollar for dollar, up to 6% of your salary Basic life/AD&D insurance All eligible employees receive group life insurance coverage for themselves and their eligible dependents at no additional cost. Employee: Benefit pays twice your annual salary, up to $350,000 Spouse: $10,000 benefit Children: $5,000 benefit Apply now Supplemental life insurance You can also purchase additional life insurance, based on your age and the amount of coverage you want, for yourself and your family Employee: Up to $500,000 (in increments of $10,000 only) Spouse: 50% of employee coverage, up to a maximum of $150,000 Children: $1,000 - $10,000 (in increments of $1,000)

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