Get expert tips on protecting your accounts. Be on the lookout for communications that are unsolicited, unexpected, and/or urgent. It could be a scam. How to detect potential scams Want to make sure your Vibrant accounts stay safe? We've put together some helpful tips for helping you recognize fraud attempts before it's too late. If a person, business, or organization you don't have an existing relationship with asks you for money or personal information, be on guard. Make sure they are who they say they are. Unsolicited If you’re contacted out of the blue by an organization you DO have a relationship with, don’t respond directly. Instead, contact the organization via their publicly available phone number or email address so you can verify it's a legit request. Unexpected Scammers know the more time you have to think, the more questions you’ll ask. Even in a genuine emergency, no one will ask you to disclose personal or financial information before you do anything else. Urgent Your Caller ID may tell you Vibrant is calling, but it could be a scammer. If a caller asks you to provide any of the information below, this could be an attempt to access your personal account. Say nothing and hang up! Anything more than the last 4 digits of your debit or credit card Any security or verification code you receive via text or email Your account or routing number Your complete Social Security Number Your account password Your PIN Watch out for spoof calls and text messages Frequently asked questions Does Vibrant ever verify my identity by texting or emailing me a code? If you’ve set up two-factor authentication (2FA) on your account—and we highly recommend it—you will receive a code via text or email when you try to log in to verify it’s really you. While you'll need to enter that code on your browser or mobile app to complete your login, Vibrant will never ask you to tell us what the code is. Can a scammer access my account even if I don’t tell them my password? Unfortunately, yes. Scammers may find your login information through a data breach, on the dark web, or through other phishing tactics. Two-factor authentication (2FA) offers additional protection, but it's not foolproof. A common scam is to try bypass 2FA by pretending to be a legitimate caller who wants to verify your identity by sending you a security code, which they'll ask you to read back to them. If you tell them the code, unfortunately, they can use it to log in from their device. How do I set up two-factor authentication (2FA) on my account? Log in to your account and go to Settings, then choose the Security tab. Toggle the on/off switch next to Two-Factor Authentication to ON to require a second security code via email, text, or voice call (you'll have the option to choose the method that works best for you any time you log in). What if a caller tells me I owe money and they need immediate payment? Legitimate organizations, including the IRS, your local tax assessor, or your financial institution, will never ask you to provide payment via a gift card, prepaid debit card, or wire transfer. If you get a a call demanding immediate payment and they want you to use one of these payment methods, it's a scam. In addition, a legitimate caller will never threaten to alert law enforcement, immigration officials, or other authorities to collect a debt. What should I do if I think I may have been scammed? Contact us immediately to report the incident. We’ll place a fraud alert on your account and help you reset your login information. (And no, we won't ask you to tell us your new password.) FAQ

Get answers about what escrow is and how it can affect your monthly mortgage payments. Complete the form to make adjustments to your escrow before 2025. Understanding your escrow analysis Let’s talk Escrow Analysis. We’ll walk through what your statement means, why your monthly payment might be changing, and break it all down in plain lingo—no finance degree required. Note: If you pay prior to January 1, 2026, your online account may not reflect your updated 2026 payment amount. Please call first to verify your updated payment amount. The basics What is an escrow account? An escrow account is a special holding account we use to pay your property taxes and homeowners insurance premiums. We manage this account for you so that you only need to make one monthly payment and don’t have to worry about multiple payment due dates. The amount of money that goes into your escrow account is based on our best estimate of what your insurance and property tax expenses will be in the coming year. What is an escrow analysis? The amount of money that goes into your escrow account reflects our best estimate of your property tax and homeowners insurance premiums for the coming year. Because these expenses can fluctuate over time (based on your home’s changing market value and other factors), it’s rare that the amount set aside for your escrow account exactly matches what is paid out. Every fall, we analyze your account to see whether we’ve set aside more money than you need (an overage) or not enough (a shortage). We also take a look at your latest insurance premiums and property tax bills so that we can adjust your payments for next year to reflect any changes. What happens if there's not enough money in my escrow account to pay my taxes and insurance? If your account has a shortage, your taxes and premiums will still be paid—but you will need to pay the difference back to us. There are two ways to do this: We can either increase your mortgage payments next year to cover that amount, or you can submit a payment for the entire sum before noon on Wednesday, December 31, 2025. What happens if there's MORE money in my escrow account than was needed? If your account has an overage of less than $50, we’ll carry the remainder over to next year to provide a cushion for any potential shortages. If your account has an over of $50 or more, you will receive a check for the surplus amount that you can spend as you see fit. Can I choose not to escrow my insurance premiums and property taxes? In some cases, you can. Contact us and we’ll determine if that is an option for you. I have more questions. How do I reach an escrow specialist? You can email us directly or call 1-800-323-5109. Monthly payments When does my new monthly payment go into effect? January 1, 2026. If you typically make your January payment prior to the first of the month, please make sure to adjust that payment to reflect the new payment amount and avoid any late fees. IMPORTANT: Your online account will not reflect the updated amount due until January 1, 2026. This is so that we can make adjustments for members who choose to pay all or part of their escrow shortages up until December 31, 2025. Why is my monthly mortgage payment going up? While the principal and interest on your mortgage payment haven’t changed, your property taxes and/or homeowners insurance premiums have increased since your last escrow analysis. We therefore have to set aside a larger amount of money each month to cover these increases. How do I update my automatic payment? You need to complete and submit an escrow change form to us by noon on December 31, 2025. If you pay your mortgage through a non-Vibrant account, you will need to provide your account number. If you pay extra toward your principal balance or would like to start, make sure to note the payment amount on your form. My mortgage payment has increased by more than my taxes and/or insurance premiums have. Why? That indicates that your escrow account had a shortage in 2025 (your estimated escrow contributions were smaller than your actual taxes and/or premiums). In addition to increasing your payment to accommodate those higher charges, you also need to make up the amount of the shortage. If you prefer, you can pay some or all of the shortage amount by noon on December 31, 2025, and decrease your payments for next year. Why is my monthly morgage payment going down? While the amount of principal and interest you pay toward your mortgage hasn’t changed, either your property tax assessment or homeowners’ insurance premiums have declined since last year. Enjoy the savings! If I pay into the escrow now, can I avoid my payment going up at all? No, the payments will always be based at minimum of what your taxes and insurance are. Since those typically increase annually, paying the shortage does not mean the monthly amounts won't increase for next year. Escrow shortages Can I pay my shortage up front? How long do I have to make the payment before it affects my payment? Yes, you can pay all or a portion of your shortage. This must be done by noon on Wednesday, December 31, 2025. How do I pay my shortage? You can make your payment through our online banking platform. After logging in, you will see your home loan appear on the main dashboard screen. Click on your home loan to expand this area. Select "Pay Now." In the bulleted options, you will see an "Escrow Only" option. Enter the appropriate amount here. Finish your transaction by selecting "Submit Transfer." Upon payment, please contact us to have your 2026 payments updated accordingly. It's that time of year—your annual escrow analysis shows what your monthly mortgage payment will be in 2026. Get answers to your escrow questions Escrow overages When will I receive a refund of my escrow overage? Your check will arrive within two weeks after you receive your escrow analysis letter. Will I receive a check, or will it be deposited into my account? You will receive a check in the mail. I had an overage, but I didn't receive a check. Why not? If your overage amount was less than $50, it remains on deposit in your escrow account to provide a cushion for any potential shortages in 2026.

Find a dealership in Vibrant Credit Union’s trusted network to finance your new or used car with our competitive rates. Fast, easy, and convenient auto loans to get you on the road. Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my car? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. Find a trusted dealership near you We’ve teamed up with dealerships across the region to make financing your next vehicle easier than ever. Visit a participating location, choose your car, and ask to finance with Vibrant to get great rates and fast approval—right on the spot. How it works How it works Visit a participating dealer (list coming soon) Choose your vehicle — new or used Finance through Vibrant directly at the dealership Drive away with confidence. Ready to get started? Apply now Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t.

Vibrant is proud to be the official sponsor of the Quad City Strikers youth soccer organization. Yes, I'm interested! Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Add a Title Yes, I'm interested! Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Want to save money? 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 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. Stay tuned for more great perks

When life happens, our life event loan can help. Get cash in minutes—no credit check required. GetMyCash Real-time cash when you need it most—no credit check required. Apply now When life happens, our life-event loan can help. Unexpected expenses don’t wait and now you don’t have to, either. That’s why we created GetMyCash, a quick and easy small-dollar loan solution designed for moments when your budget needs a quick boost. Whether it’s a car repair, medical bill, job loss or just too much month left at the end of your money, GetMyCash helps you handle life’s curveballs—without the stress of high-interest payday lenders. Apply now The best part? Your good standing with Vibrant is enough. You don’t need perfect credit—just a good history with us. We are here to help you thrive and support your financial well-being. No credit check required Apply here instantly.* Select your loan amount & terms Get approved in minutes. Money in your account fast Often in 60 seconds or less. 100% online & hassle-free No jumping through hoops. Build your credit Repay loans on time to build good credit. *A $25 processing fee will be charged to the applicant upfront (when ‘Apply’ is clicked). Real help in real-time. 65% of Americans live paycheck to paycheck, and nearly 40% would struggle to cover a $400 emergency. That’s why we made GetMyCash—to help you bridge the gap without digging a deeper hole. Frequently asked questions How much can I borrow? Up to $1,500. How long do I have to repay the loan? Up to 12 months. When can I apply and how fast can I get funds? GetMyCash is available 24/7/365. And the money is often deposited in 60 seconds or less. What do I need to apply online? Please have your member number and zip code ready to authenticate yourself. Will you need to pull my credit? Nope. No credit check is required. Is there an application fee? Yes, an upfront fee of $25 will be charged once you click ‘Apply.’ Can non-members apply? No, this service is exclusively for Vibrant members with 6 months of history with us and a minimum balance of $25. Become a member here. Ready to get started? Apply now Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t.

Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen when you pay with the Vibrant Card. It's a refillable debit card you can use anywhere! No credit check required. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. It's not a gift card. It's not a credit card. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . Sign up at the Coffeehouse No annual or monthly fees The Vibrant Card works just like a debit card — j ust transfer funds to your account and go! Get great discounts at VC+K You'll always save 20% on food and drinks with your Vibrant Card. You'll also get exclusive offers like BOGOs and cash back— so watch your email. Use it wherever Mastercard® is accepted Use the Vibrant Card like a regular debit card— even add it to your mobile wallet. Feature Vibrant Card Premier Checking 20% off food and drinks at Vibrant Coffeehouse + Kitchen Yes Yes Free online banking Yes Yes Monthly service fees No No Credit pull required No No Earn interest on your balance No Yes Deposit checks No Yes Make deposits at Vibrant ATMs No Yes Maximum balance limited to $500 Yes No Can't wait for your next Coffeehouse visit to start saving? Open a Vibrant Premier Checking account in minutes. Get started now. Frequently asked questions How do I get the Vibrant Card? You'll need to stop by any of our Vibrant Coffeehouse + Kitchen locations to get started. (Ask a barista or look for the QR code on your table!) Filling out the online application takes just a couple of minutes, and you'll receive your new card in the mail within 7–10 business days. Can't wait? Open a Vibrant checking account now and get the same 20% discount when you pay with your Vibrant debit card. How old do I have to be to open an account? You'll need to be at least 18 years old to get a Vibrant Card. What information do I need to open an account? You'll need to provide your Social Security Number and photos of the back and front of your state-issued photo ID or driver's license. For Vibrant Card accounts, we'll verify your identity, confirm you're not a past or current member of Vibrant, and ask you to electronically sign a member service agreement. For Vibrant checking accounts, we'll verify your identity, review the information provided on your application, and ask you to electronically sign a member service agreement if you're approved. How do you add money to the Vibrant Card? You can transfer funds from your checking or savings account via Vibrant online banking or from a peer-to-peer payment network like Venmo or PayPal. Get detailed instructions on adding funds . How long does it take for funds to appear on my Vibrant Card? Transfers from your checking or savings account will take from 1–3 days to appear in your Vibrant Card balance. If you use Venmo or similar apps, you may be able to instantly transfer funds. You will need to have funds in your Venmo account or be able to add funds to your Venmo account to make a transfer. Vibrant has no affiliation with Venmo, and third-party fees may apply. How do I check my Vibrant Card balance? You will need to sign up for a Vibrant Credit Union online banking account to view your balance and see your transaction history. It's free and takes just moments to set up! Register now . How do I reload my card? Your Vibrant Card has a maximum balance of $500, so you'll need to top it up from time to time. First, you'll need to set up your Vibrant online banking account. Once you do, you'll be able to view your current balance and your transaction history through your account or the Vibrant app. From your online banking account, you'll be able to transfer funds from a checking or savings account at another financial institution or from a payment app like Venmo or PayPal. Can I use my Vibrant Card like a debit card? You sure can—and you can even use it to get cash from the ATM if you set up a PIN. To get your PIN call (800) 992-3808. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . It's not a gift card. It's not a credit card. Open an account

All Vibrant members are eligible for $1,000 of accidental death and dismemberment insurance paid for by Vibrant. You can also purchase up to $300,000 in additional coverage. Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Add a Title As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Get $1,000 of no-cost accidental death coverage Learn more Plus guaranteed acceptance for up to $300,000 in additional coverage As a Vibrant Credit Union member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health. Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them. Learn more Andrea L. Heger, Licensed Insurance Agent #2277322 0122 1947555 Note, AD&D Products are not federally insured by the NCUA.

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Plan your next visit to Rock Island, IL - ATM only. Get hours, services, and driving directions. Rock Island, IL - ATM only 2365 11th St Rock Island, IL 61201 United States (800) 323-5109 Get directions ITM (digital banking) hours Services Cash-dispensing ATM FAQ

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