Find the nearest Vibrant branch or one of more than 30,000 surcharge-free ATMs across the United States. Locations Bank in person at one of our Moline branches or enjoy full-service digital banking with our ITMs. Plus, Vibrant members now have access to over 37,000 surcharge-free ATMs. Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find an ATM For a list of nearby ATM locations delivered right to your phone, text your ZIP code to 91989. Vibrant HQ Branch Vibrant Credit Union 6600 44th Avenue Moline, IL 61265 More details SouthPark Branch Vibrant Credit Union 4400 16th St Moline, IL 61265 More details Vibrant ITM* Vibrant Coffeehouse & Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 More details *This location features a full-service ITM (interactive teller machine) that connects you with our Vibrant team via video. ITMs are available Monday–Friday from 8:30 a.m. to 5 p.m. CT and Saturdays from 8:30 a.m. to noon, and can be used as a standard ATM any time the location is open. Learn more about how our ITMs work here. More ATMs. More places to get cash. Vibrant members have access to 37,000+ surcharge-free ATMs nationwide through the CO-OP Network. Just use your Vibrant debit card at a participating ATM. Find one near home, across town, or wherever you are with the CO-OP ATM Locator . Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find a Surcharge-Free ATM

Digital Wallet Use your card before it arrives. New or replacement card? Skip the wait on the mail. Download the app Use your card sooner Your new card appears in the app shortly after it's ordered. Once it's ready the next day, you can start using it before the physical card arrives. Pay in stores and online Use your card online or add it to your mobile wallet. Built-in protections like Face ID, fingerprint, or passcode keep purchases secure. Get your physical card Your mailed card will come within 10–14 business days. Once it arrives, activate it and you're ready to go. Download the app now Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Open an account in minutes See it in action! Tap-to-pay uses your phone’s built-in security—like Face ID or fingerprint—and never shares your actual card number. Download the app now Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.005% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.005% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.005% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.005% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.005% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Frequently asked questions When will my card be available digitally? Your card will appear in the app shortly after it's ordered. Once it's ready the next day, you'll be able to view your card details, use it for online purchases, and add it to your mobile wallet. Do I still get a physical card? Yep. This just lets you start using your card sooner while the physical one makes its way to your mailbox. Physical cards typically arrive in 10–14 business days. Do I need to activate my card? When your card is ready in the app, select “Finish Setup” , then choose "I don't have my physical card" to finish setting up your digital card. When your physical card arrives in the mail, follow the instructions on the card to activate it. When does this apply? Whenever you’re issued a new or replacement debit card. Why should I add my card to my mobile wallet? Adding your card to mobile wallets like Apple Pay® or Google Wallet™ lets you pay with your phone anywhere contactless payments are accepted. Mobile wallets are also protected by built-in security features like Face ID, fingerprint authentication, or a passcode. What if I don’t use a mobile wallet? No problem. Once your card is ready, you can view your card details in the app and use your card number, security code, and expiration date to make online purchases. Is this secure? Yes. Mobile wallet payments use a secure digital card number instead of sharing your actual card details. They also require your device's security—like Face ID, fingerprint authentication, or a passcode—to complete a purchase. Where do I find this? Log in to the app and head to the Cards tab. ¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.

Vibrant's core values aren't just words on a poster in some conference room. They actually reflect the way we do business each day. Our values make us Vibrant We didn’t set out to write a manifesto about our organizational values. We just wanted to answer a simple question: Why do some people thrive at Vibrant, while others (equally qualified on paper!) don’t? The more we talked with the people who’d been here the longest or risen the fastest, however, the more we noticed a few qualities we all share. If you share them, too, let’s talk. Apply now We own every opportunity. In other words, we think a job description is just a starting point. When we see a member who needs help or a stressed-out coworker, we step in. When we see a better way to accomplish something, we try it out. If it works, we tell other people about it. We are open, honest, and authentic. We’re not afraid to speak up when we have a different opinion, and we don’t take it personally when we’re challenged. We try to be honest with each other when we disagree. Because those differences of opinion make us stronger. We are swift and relentless in the pursuit of greatness. Here’s what that looks like in action. After the Payroll Protection Program launched, our bankers worked through the weekend, fuelled by pizza deliveries and coffee, to respond to all the businesses who turned to us for help. We eventually processed more than $200 million in loans and helped save more than 21,000 jobs. We bring contagious energy. When you’re excited about the work you do, other people can't help but get a little excited themselves. That doesn’t mean you have to be an extrovert to work here. You just have to care about getting things right. We think, speak, and act for the collective good. We are mindful of all the stakeholders affected by our decisions, from our members and our communities to our colleagues and ourselves. They're in our core.

Discover banking solutions built for community organizations and associations. Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Community Associations We saw a need for better banking solutions tailored to groups in our communities. With a shared passion for making an impact, we built a unique set of bank accounts designed specifically for small businesses, sports teams, not-for-profits, and more . Our goal? To make managing money easier, more accessible, and built around the needs of those who give back, grow, and bring people together. Learn more Florida Condo HOAs Our reserve and lending solutions are built specifically for HOAs impacted by House Bill 913, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity. Learn more Faith-Based Organizations Steward your resources with confidence. Our deposit solutions help faith-based organizations protect funds beyond traditional limits, earn competitive returns, and access reserves when mission needs arise—all with a partner committed to community and good will. Learn more Insured Money Market At Vibrant, safeguarding your deposits is a priority. We offer Extended Share Insurance to help protect your funds beyond the typical limits—giving you greater peace of mind and broader coverage as your reserves grow. Whether your organization needs added protection for operating funds, reserve balances, or mission-critical resources, a Vibrant Insured Money Market account provides an extra layer of security that complements our full suite of deposit solutions. Learn more Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Want to be part of a community that earns interest? Open an account today! Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $100+ 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn a higher yield on your money? Open an account today! Ready to get started? Let’s partner up together. Open an account

And When It Makes Sense to Use It How Mobile Check Deposit Works And When It Makes Sense to Use It Mobile check deposit is one of those features that feels almost too easy. Snap a photo. Submit. Done. For most people, it’s become second nature. But because it’s so simple, it’s easy to forget there’s a process behind it — and a few situations where slowing down is actually helpful. Understanding how mobile deposit works (and when it’s the right choice) makes it easier to use confidently, without second‑guessing or overthinking it. What’s Actually Happening When You Deposit a Check by Phone When you deposit a check through an app , the check isn’t magically disappearing into the system. The images you submit are reviewed, verified, and processed through the same banking networks as a physical check. The difference is convenience, not legitimacy. Mobile deposit replaces: A trip to a branch or ATM Manual handling of the check Waiting in line with a digital version of the same process. That’s why it works best when expectations are set correctly from the start. Why Mobile Deposits Aren’t Always Instant One of the most common questions around mobile deposit is timing. Sometimes funds appear quickly. Other times, there’s a short delay. That variation isn’t random — it’s part of how checks are verified. A few things can affect timing: The check amount Whether the check matches typical deposit patterns Image clarity Timing of the deposit This doesn’t mean something is wrong. It usually means the system is doing its job in the background. If you’re depositing a routine check that looks like past activity, things often move quickly. When something looks different, the review process can take a bit longer. When Mobile Deposit Is a Great Fit Mobile check deposit shines in everyday situations. It’s especially useful when: You receive checks occasionally You don’t want to rearrange your day around a deposit The amount fits comfortably within typical deposit patterns In these cases, mobile deposit removes friction without adding complexity. You do the same thing you would have done in person — just from wherever you are. For most people, this covers the majority of use cases. When It’s Worth Pausing for a Moment Mobile deposit is convenient, but it doesn’t have to be the answer every single time. It’s worth slowing down if: The check amount is significantly larger than usual The check comes from an unfamiliar source You need immediate certainty around availability In those situations, giving the deposit a little extra attention can save frustration later. That might mean double‑checking details, making sure images are clear, or choosing a different deposit method if timing matters. This isn’t about avoiding mobile deposit — it’s about matching the tool to the situation. Simple Practices That Prevent Common Issues Most mobile deposit issues aren’t technical. They’re visual or procedural. A few habits make a big difference: Endorse checks correctly Place checks on a flat, dark surface when photographing Make sure all corners are visible Store the physical check safely until the deposit fully processes Taking an extra moment here reduces delays and prevents follow‑up steps later. The goal is fewer surprises, not faster taps. Why This Feature Fits Real‑Life Banking Mobile deposit works best when it fades into the background. You’re not supposed to think about it often. You’re just supposed to trust that when you need it, it works — without adding rules, extra steps, or stress. When financial tools are designed this way, they don’t change how you live your life. They just remove unnecessary obstacles. That’s exactly what mobile check deposit is meant to do. On Last Thought Mobile deposit isn’t about speeding everything up. It’s about making everyday tasks easier. When you understand what’s happening behind the scenes and use the feature intentionally, it becomes a reliable option instead of a guessing game. Convenience works best when it’s paired with clarity. Luckily, you don’t need to choose one over the other. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > Is Online Banking Safe? What Really Keeps Your Money Protected 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 > APY vs. Dividend Rate Why there are two numbers (and what they actually mean)

Learn more aboutFind your account number Find your account number To find your account number, you have a few different options: Go to your account details in online banking , and select the eye button to unhide your full account number. Not enrolled? No problem. Click here to register for online banking. 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. Previous Item Next Item How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

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 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. Go to our loan payment portal Getting started Getting started Access your account online to view statements, manage payments, and review your payment history. Manage your account How to pay your loan You have three ways to make payments . The right one depends on how you want to manage your money. Option 1: Best if you’re using a debit card or another financial institution. Use the Loan Payment Portal to: Set up ACH payments from another bank Pay with a debit card View payment history and statements This option is used when you don’t have an active Vibrant account set up for payments. Note: The Loan Payment Portal has its own login—it’s separate from Vibrant Online Banking. Go to Loan Payment Portal Pay through the Loan Payment Portal Option 2: The simplest option—everything in one place. Because you’re already a Vibrant member, you can pay your loan directly from Vibrant Online Banking once you have a funded Vibrant account. Here’s how it works: Log into online banking using your membership share account number, Social Security number, and the email address from your loan paperwork Move funds into your account or open a high-yield checking or savings account Transfer funds directly to your loan using an internal transfer Already using another bank? You can also link an external account to Online Banking and transfer funds from there. Note: Vibrant Online Banking uses a different login than the Loan Payment Portal. Go to Online Banking Pay Directly in Vibrant Online Banking Option 3: Prefer to keep it old‑school? That works too. Mail your check to: Vibrant Credit Union ATTN: Payments PO Box 1550 Moline, IL 61266 Remember to include your account number on the memo line for faster processing. Pay by mail with a check Business hours Monday – Friday: 8:30 a.m. – 5:00 p.m. CT Saturday: 8:30 a.m. – noon CT Need a hand? Get personal support from our team. Call 1-800-323-5109 or send an email to connect with us. Frequently asked questions Am I a Vibrant Credit Union member? Yes! You are now eligible for all our products—checking, credit cards, and more! Check out all our high-yield rate accounts here. 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. Find a branch or ITM/ATM here. 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? There are several ways to make a loan payment. Visit our loan information page for details on payment options, account access, recurring payments, and other helpful resources. Can I set up an automatic payment? Yes! Visit our loan information page for information about the different ways to make your loan payment online, including options for setting up recurring payments. 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 Questions about insurance? REV Insurance offers simple, dependable protection for the equipment you use every day. Learn more about REV Insurance

Plan your next visit to Vibrant ITM - Bettendorf. Get hours, services, and driving directions. Vibrant ITM - Bettendorf Vibrant Coffeehouse + Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 (800) 323-5109 Get directions ITM (digital banking) hours ITM teller on duty Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-5:00pm Sat 8:30am-12:00pm Sun Closed Services ITM banking Cash-dispensing ATM Deposit-taking ATM Interested in learning more about one of our accounts? Book time with a banker FAQ

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 Meet one-on-one with a Vibrant banker to open a new checking or savings account at a time that works for you. Open an account > Open a Certificate of Deposit (CD) Set up time to open a CD with a Vibrant banker at our Vibrant HQ location. Choose the date or time that works best for you! Open a CD > Open an account for a minor Schedule an in-person meeting with a member of our team to open a new savings or checking account for a minor. Open a minor account > Add a specialty account (Trust, IRA, HSA, POA) Book time to meet with a member of our team for assistance with specialty accounts including Trusts, IRAs, HSAs, and Power of Attorney (POA) accounts. Get started > Financial wellness check‑in Meet with a member of our team to talk through your financial needs and explore products and services that may be a good fit for you. Book a meeting > 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. Get started > Decedent account services Meet with a member of our team for assistance with handling a deceased member’s account and related banking needs. Schedule a time >

Vibrant is proud to be the official sponsor of the Quad City Strikers youth soccer organization. Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Add a Title Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Dear Strikers Family, Our ongoing partnership with the Strikers has been an amazing experience. From watching each team take the field for the first time in their Vibrant jerseys to cheering as they distinguished themselves in competition, it's been exciting to see these kids growing in skill and ability. We're proud to be a part of an organization where players learn to be their best on and off the field—and we’re excited for what comes next. Vibrant | #bevibrant Stay tuned for more great perks As the Strikers' corporate partner, we've worked with the organization to ensure players have access to trainers, indoor practice facilities, and great new jerseys. As the new season gets under way, we'll be pitching in to provide special try-out shirts, team photos, and unique gear for our hard-working coaches.

Get help planning for retirement with one of our certified financial advisors. Find out how to get started. Make retirement planning less taxing Increase your financial flexibility by opening an IRA. Contact an advisor Choose the account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution You can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit for as short a period as 3 months. See our rates

Liquidity that doesn’t make you sacrifice yield. Get high-yield savings with no requirements. AS SEEN ON INVESTOPEDIA Digital Advantage Savings: 4.40% APY* No monthly fees. No transaction requirements. Start earning now Open in minutes Fast, hassle-free online account opening. Federally insured NCUA insurance up to $250K per depositor. No hidden fees Keep more of what you earn without all the hoops. Join nationwide New members can join from anywhere in the U.S. Here's how the Digital Advantage Savings account works: Earn 4.40% APY* on balances up to $5,000 New members only; must open account online No monthly maintenance fees No transaction requirements Unlimited transfers and withdrawals Membership available nationwide through Vibrant Credit Union's Be The Good Foundation Federally insured by the NCUA Open an account "...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..." Larry Z. — Vibrant Credit Union Member "Very happy with your products. Your rates can't be beat..." Vicki M. — Vibrant Credit Union Member "Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..." Patsy B. — Vibrant Credit Union Member Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K MEMBER FAVORITE Preferred Savings Earn 4.00%* APY on balances Up to $15K Premier Checking Earn 3.75%* APY on balances Up to $25K Open an account High-yield savings account rates Average Daily Balance Digital Advantage Savings* Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* $1,000,000+ 0.01% - 4.40% 0.75% - 4.00% 3.00% 4.25% $250,000 - $999,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.75% $100,000 - $249,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.50% $25,000 - $99,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 0.50% $15,000 - $24,999 0.01% - 4.40% 0.75% - 4.00% 0.10% 0.50% $5,002 - $14,999 0.01% - 4.40% 4.00% 0.10% 0.50% $0 - $5,001 4.40% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage Savings is only available for new members and must be opened online. Preferred Savings and Digital Advantage Savings are tiered accounts; for these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings and one Digital Advantage Savings account per member. Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn more on your money? Open a savings account. Additional savings account rates Average Daily Balance Membership Savings Everyday Savings APY* APY* $10,000 - $14,999 0.005% 1.00% $100 - $9,999 0.005% 0.10% $0 - $99 0.00% 0.10% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn more on your money? Open a savings account. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Earn up to 4.00% APY* on your checking Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes: No monthly fees or minimum balance requirements No direct deposit or debit card transaction requirements No withdrawal limits Free online & mobile banking with mobile check deposit Get started now It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . How old do I have to be to open an account? You'll need to be at least 18 years old to open a Digital Advantage Savings account online. If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . Can I open more than one Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $5,000. Explore some of our other products here .