You don't need to a banker to have a fulfilling Vibrant career. Learn about our headquarters, our culture, and the benefits you can expect. Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Add a Title Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Make your career Vibrant You might be surprised by the number of Vibrant employees who never considered working in banking until they came here. What makes us different? First, we want you to find a role that makes you look forward to coming to work—and we’ll make sure you get the training and development to succeed in one that does. Second, we believe there’s no single “right” way to do most things, and we’re not afraid to try something new. That opens up a ton of opportunities to build your skills. Third, we take our members seriously, but not ourselves. Which is why there’s a closet full of inflatable cow costumes at our corporate headquarters. Get to know Vibrant HQ The majority of our team works at our corporate headquarters in Moline. Even branch and remote employees can expect to spend a few days here each year for training and team building. In keeping with our commitment to community revitalization, we transformed a former big-box outlet into a state-of-the-art workspace with plenty of room to keep growing. Vibrant HQ is also the place where we launch new technologies and initiatives like our first fully digital branch and ITMs. Check it out Our employees get great benefits The expected All the usual benefits, without the usual lengthy waiting period before they kick in Medical, dental, and vision insurance 401(k) match up to 6 percent of your salary Paid time off The unexpected Some things you might expect from a credit union, plus a few you wouldn't Flexible schedules and locations for many positions Casual dress code Work in our new state-of-the-art corporate headquarters Learn more The extraordinary Because there's so much more to you than the hours you spend at work Paid time off for volunteering Education reimbursement Leadership development courses 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 in 2022. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more in American Banker Frequently asked questions Are there opportunities to grow at Vibrant? Absolutely. Employees are encouraged to explore new interests, build new skills, and pursue leadership opportunities. Internal career mobility and development pathways help employees continue growing throughout their careers. Can I apply for multiple positions? Yes. We encourage candidates to apply for positions that align with their experience, interests, and career goals. What should I expect during the interview process? Our process focuses on getting to know you, your experience, and your goals—while giving you a chance to learn more about us. What makes Vibrant different? We're digital-first. People-assisted. That approach shapes how we serve members, how we embrace innovation, and how we support employees throughout their careers. When do benefits start? Your health benefits begin on the first day of the month following your hire date, and you'll start earning PTO immediately. If you participate in our 401(k) plan, eligibility begins on the first day of the second full month after you join Vibrant. Do I get PTO during my first year? Absolutely. PTO is prorated based on your start date, and you'll begin earning it right away. Following your first January 1 with Vibrant, you'll have access to the full annual PTO allotment.

(And Why the Answer Isn’t the Same for Everyone) How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) At some point, most people end up asking the same question: “How much money should I actually keep in checking versus savings?” It feels like there should be a clean answer to this. A number you can aim for. A rule that confirms you’re doing things the right way. But money doesn’t really work like that — especially right now. If your balances don’t look like what you think they “should,” that doesn’t automatically mean you’ve messed something up. More often, it means you’re navigating higher costs, unpredictable expenses, and a lot of mixed messages about what you’re supposed to prioritize. So instead of chasing a perfect split, let’s talk about how to think about checking and savings in a way that’s actually helpful (and doesn’t make you feel behind before you even start). Why This Question Feels So Loaded Lately This used to be a pretty straightforward logistics question. Now? It feels personal. Everyday expenses are higher. Headlines are louder. Social feeds are full of people sharing “what you should have by now,” usually without much context about how different everyone’s lives actually are. So when you look at your accounts and feel like the numbers fall short, it’s easy to assume that’s on you. In reality, many people have shifted toward keeping more money accessible — not because they’re careless, but because flexibility feels safer. That’s not a failure. It’s a reasonable response to uncertainty. Before worrying about whether your checking‑to‑savings split is “correct,” it helps to ground the conversation in what those accounts are meant to do . What Checking and Savings Are Really There For At a basic level: Checking is about flow. It handles income, bills, daily spending — the money your life runs on. Savings is about flexibility. It’s there for breathing room, surprises, and things you’d rather not have collide with your weekly routine. That distinction still applies, but the line between the two has blurred. Many checking and savings accounts now earn meaningful interest, which changes the conversation. It’s no longer just about where money “sits.” It’s about where money can live comfortably while still growing . That matters when you’re deciding how much to keep where. So… How Much Should You Have in Each? Here’s the most honest answer: there’s a range, not a rule . Where people land depends on things like: How predictable their income is How variable their expenses are How much fluctuation they’re comfortable with What helps them sleep at night Some people keep more in checking to avoid timing stress. Others prefer a larger savings balance for peace of mind. Plenty of people move fluidly between the two. What matters more than hitting a textbook ratio is whether: Bills clear without anxiety Surprise expenses don’t derail everything You don’t feel like you’re constantly juggling transfers If those things are true, your split is probably doing its job — even if it doesn’t match anyone else’s formula. Why Keeping “Too Much” Accessible Isn’t Always Wrong You’ll often hear that keeping too much in checking is inefficient. But efficiency isn’t the only thing that matters. For a lot of people right now, access equals calm . Knowing you can cover something without moving money around, waiting on transfers, or second‑guessing timing has real value. This is where high ‑ yield checking and savings accounts can quietly make life easier. When money earns a strong return in either place, you’re not forced to choose between: Feeling prepared, or Letting your money grow You get flexibility without giving something up — and that’s a big deal when life doesn’t follow a neat script. A More Useful Way to Evaluate Your Setup Instead of asking, “Is this the right amount?” try asking: Can I pay what needs to be paid without stress? Do short‑term surprises feel manageable? Do I understand where my money is and what it’s doing? Is the money I keep accessible earning something reasonable? If you’re answering “yes” more often than not, your setup is functioning — even if it doesn’t look perfect on paper. Money systems that work in real life are often more forgiving than fashionable. That’s not a flaw. That’s what makes them sustainable. Making Changes Without Overreacting If you do want to adjust how much you keep in checking versus savings, it doesn’t have to be dramatic. Smaller shifts tend to be easier to live with: Let balances move gradually See how it feels over a month or two Prioritize comfort and clarity over precision Big changes, made all at once, often create more second‑guessing than progress — especially when everything else feels uncertain. The Takeaway There’s nothing inherently wrong with where your money lives if it’s supporting your life. Checking and savings aren’t competing goals — they’re complementary tools. And when both can earn competitive returns, you don’t have to contort your behavior just to feel like you’re “doing it right.” If your setup gives you flexibility, access, and the sense that you’re not constantly playing catch‑up, you’re probably in better shape than you think. Sometimes the best financial move isn’t hitting the perfect number. It’s choosing a setup that lets you breathe. 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 Mobile Check Deposit Works And When It Makes Sense to Use It 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)

Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. Tips for choosing a savings account Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. To help you find the best place to grow your savings, here are four tips for choosing a savings account that is going to turn your five dollar bill into so much more. Aim high for your interest rate Opening a savings account is about growing your money, and how quickly that money grows will depend on the interest rate . The higher the interest rate, the more you’ll earn from your deposit. Most lenders will offer a basic savings account with interest rates as low as .01%, but keep an eye out for high-interest savings accounts that could help you earn more at a faster rate. Pay attention to minimum balance requirements Behind every savings account are a set of terms and conditions. You might be tempted to skim them, but do yourself a favor and give them a read. Different lenders will have different minimum deposit requirements, ranging from $1 to $10,000. You might also be expected to maintain a minimum balance to earn interest. There could even be fees for dropping below the minimum required balance. Always take the time to read the terms and conditions. Shop local for the best rates No two savings accounts are the same. Different financial institutions are going to offer different types of savings accounts with different interest rates, fees, and minimum balances. It’s up to you to look around and find the best savings account for you, and the best place to start is your local credit union or community bank. Because they’re nonprofit and member-owned , credit unions generally offer higher interest rates than banks, so be sure to give them a look. Ask about mobile banking Having a brick-and-mortar location close by is convenient, but in this day and age, most people expect to be able to handle the bulk of their financial transactions through their phone. You should be able to manage your savings account from anywhere, so be sure to ask about online and mobile banking services when kicking the tires on different financial institutions. If you’re interested in opening a savings account, get in touch with us ! 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 > How Mobile Check Deposit Works And When It Makes Sense to Use It 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.

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. 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. Stop Waiting on Payday Instead of receiving a paper check and taking extra steps to access your money, direct deposit automatically deposits your paycheck into your account, helping you get access to your funds faster and more conveniently. Here are 10 reasons more people are making the switch. 1. You Could Get Paid Up to 2 Days Early Eligible direct deposits may arrive in your Vibrant account up to 2 days before your scheduled payday.* That's quicker access to your money when you need it most without changing your payroll schedule. 2. Payday Happens Automatically No waiting for a paper check. No worrying about whether your paycheck is available. Your money is deposited directly into your account automatically, helping make payday one less thing to think about. 3. No Trips to the Branch With direct deposit, your paycheck goes straight into your account. That means no stopping at a branch, ATM, or mobile deposit screen before your money becomes available. Your paycheck is already where you need it. 4. It's More Secure Than a Paper Check Paper checks can be lost, damaged, delayed, or misplaced. Direct deposit reduces those risks by securely transferring funds directly into your account. 5. Budgeting Becomes Easier When your paycheck is deposited automatically, you know when your money is arriving and where it's going. That consistency can make it easier to: Pay bills on time Avoid late fees Track spending Stick to your budget 6. Put Your Money to Work Sooner When your paycheck is deposited directly into your Vibrant account, your money can immediately start working for you. Our Premier Checking account earns up award-winning rates helping you get more from every payday. 7. Building Savings Gets Easier Many employers allow you to split your paycheck between multiple accounts. That means part of your paycheck can go directly into savings, helping you build emergency funds and savings goals automatically. Sometimes the easiest way to save is to automate it. 8. Access Your Money Nearly Anywhere Some members worry that moving their paycheck means losing convenient access to their cash. Not with Vibrant. Members have access to more than 37,000 surcharge-free ATMs nationwide through the CO-OP Network, making it easy to access cash close to home or while traveling. 9. There Are No Fees Setting up direct deposit doesn't cost anything. It's an easy way to simplify how you get paid while taking advantage of the features already available with your Vibrant account. 10. It's Better for the Environment Direct deposit helps reduce paper waste by eliminating printed checks and reducing transportation associated with check delivery and deposits. It's a small change that can make a positive impact over time. Ready to Get Started? Setting up direct deposit only takes a few minutes. You'll need: Your Vibrant account number Vibrant's routing number ( 271183646 ) To find your account number, simply 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. Then simply provide that information to your employer through your payroll system or HR department. Once your request is processed, you'll be ready to enjoy a faster, easier payday! *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. 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 > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It 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)

Small Businesses Simplified banking for your growing business. Spend less time managing accounts and more time growing your business. Enjoy hassle-free solutions tailored to your small business needs, allowing you to bank smarter, faster, and easier. It’s banking designed with your busy schedule and your peace of mind at heart. Stress-free looks good on you! Checking Savings Big interest rates for your small business. Get started Think your bank can beat our rates ? Checking 3.00% APY* Savings 3.25% APY* *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. Community 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. Balances less than $50,000 earn 3.00% APY. Balances greater than $49,999.99 earn between 1.00%-3.00% APY. Focus on your business and we'll take care of the rest. Get industry-leading interest rates No hidden fees or transaction limits 24/7 mobile account management Experienced support team Still don’t believe us? Here’s how those numbers could stack up for you. $25,000 savings account size x 3.25% APY* = $811.84 earnings per year *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 for what a Community Savings account could earn after a year assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information. Our current product offerings: Open a checking account now Community Checking 3.00% APY* Open a checking account Community Savings 3.25% APY* Open a savings account Here's what you get when you bank with Vibrant. Earn interest with market-leading rates Free online banking with mobile depositing ACH payments enabled (bills & payroll) Includes debit card Write unlimited checks Dividends paid monthly Federally insured by NCUA No monthly service fees No transfer/withdrawal limits No minimum balance requirements No check clearing limits or transaction limits Gain membership access to our nationally-ranked CD rates Flexible credit card options Insured Money Market Accounts for balances up to $15M Relevant resources we've found for you. Forget Google—we've dug through the internet ourselves to find resources that can be helpful to new and experienced small business owners. Choosing a business structure Do you need to start an LLC for your business? Forming pricing strategies How do you decide what to charge your customers? Expanding your team When's the right time to hire employees? Who can open an account? Any small business that is legally formed and operates in the United States can open an account. You’ll need to provide your legal business name, legal address, business tax ID number, and the date your business was established. All of your account representatives—that is, the people who are authorized to conduct transactions—must be at least 18 years old and reside in the U.S., either as citizens or permanent resident aliens. How do I get a business tax ID number? You can apply for an Employer Identification Number through the IRS—even if you don't have employees. When you apply online, you can receive your EIN immediately after completing the application. Get an EIN » What do I need to open an account besides a business tax ID number? That depends on the structure of your organization—whether you’re a sole proprietor, a partnership, or a corporation. You’ll need to provide documentation that confirms your ownership structure, such as articles of incorporation or ownership agreements. You’ll also need to provide information on all beneficial owners (that’s anyone who owns at least 25% of the business). Each of your account representatives will also need to provide a copy of their government-issued ID. Don’t worry—these can be submitted as digital photos. Are there any types of business you don't work with? Vibrant specializes in working with small businesses. Talk with one of our community relationship managers about your banking needs, and we'll help you find the BEST account for you. How much money will I need to deposit? To join Vibrant, all organizations must open a Business Membership Savings Account with a $5 deposit. Our checking and savings accounts have no minimum opening balance. For detailed information on our business rates and service charges, please refer to our rates page . More questions? We have answers. Ready to get started? Let’s partner up together. Open an account

To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” 5 money-saving tips for college graduates To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” Here are five simple tips for how to stay on top of your savings after you graduate college. Start with a simple budget You can certainly keep a running list of expenses and then add it up at the end of the month to see if you spent less than you earned, but making a budget might be more helpful. Consider the 50/30/20 approach to budgeting. Set aside 50% of your budget for your “needs” like rent, utilities, and groceries, 30% for your “wants” like road trips, tickets to concerts, and pizza on Friday nights, and the last 20% for savings. The idea is to figure out how much you have to spend on what you need, so that you know how much you can afford to spend on what you want. Make your student loan payments According to the most recent statistics, about 45 million Americans have student loan debt. If you’re one of them, the sooner you start making payments, the better off you’ll be. Most student loans have a six-month grace period after graduation, but you’ll save on interest if you can start paying off that debt sooner. Most importantly, make sure you are making your payments on time. If you have federal student loans and are struggling to make payments, it might be worth considering applying for an income-driven repayment plan. Work on building your credit Need another reason to make your student loan payments? Well, aside from the fact that that debt isn’t going anywhere unless you start paying it off, making payments helps build your credit. It’s an opportunity to show lenders that you are a responsible borrower, improving your chances of being approved for a mortgage or a car loan. You should also explore other ways to build your credit, like applying for a credit card. Just remember to spend responsibly! Keep enough in your savings for emergencies Not all savings is for retirement. And considering you’re a recent college graduate, it’s safe to say retirement is probably not in your immediate future. Savings at your age is about creating breathing room, because a budget will only get you so far before an unexpected expense wrecks your budget. You can start by aiming to save at least 20% of your paycheck and setting it aside in a high-yield savings account. Consider that your emergency fund. If you can reach the point where you have at least $500 set aside for emergencies, you’ll have a great start. Understand the basics of investing The next best thing to saving your money is investing it. Now before you start dreaming about trading on Wall Street, there are simpler ways to invest than buying individual stocks. You can invest your income in a retirement account like a 401(k) or IRA, allowing your money to grow over time due to compound interest. Retirement may be in your distant future, but your future self will almost certainly be thankful you invested as early as you did. If you are interested in learning more about how you can start saving post-graduation, please get in touch with us . The learning never stops, even after college! 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 > How Mobile Check Deposit Works And When It Makes Sense to Use It 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.

Learn more aboutUpdate your password Update your password Before you go to the trouble of resetting your password, a reminder about your current password. It must contain: At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) Didn’t help? Okay, time to reset your password . Read and accept the disclosure. On the next screen, choose the “Reset my password” option. To verify your identity, you will need to provide your user name , Social Security number, and date of birth. Choose whether you want to have the password reset link sent to your email or texted to you via SMS. Enter the six-digit verification code. You will be prompted to enter a new password. Your new password must include: At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) 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

Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. 5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Serve all of your business banking needs If you’ve been fed the myth that credit unions offer fewer business banking services than banks, we have news for you. Whatever your needs are as a new or established business, a credit union is well equipped to handle them, from lending and checking to credit and investments. Credit unions might often have a small town feel, but they’re built to support big businesses. Credit unions are member-owned The key difference between a credit union and a bank is not their banking services. It can actually be boiled down to one word: profit. Banks are for-profit and their profits go to their shareholders. Credit unions are not-for-profit and member-owned. You might notice the difference in the rates for business loans and business lines of credit. Banks usually charge higher rates than credit unions. Credit unions are also able to offer higher yield on savings accounts. It’s their way of returning their profits back to their members. Credit union fees are designed to benefit members If you long for the days without having to pay annual credit card fees and monthly checking fees, bank with a credit union. As a not-for-profit organization, it means they have less incentive to charge their account holders with a laundry list of extra fees. In fact, Vibrant Credit Union actually charges no fees for all business accounts. If you’re a business owner, imagine how much you could save without having to pay transaction fees. Account accessibility is not a problem There’s a school of thought that bigger banks have bigger wallets to afford better technology. But even if there might have been a technology gap at one point between banks and credit unions, that gap has long since been closed. Credit unions are not blind to the fact that business owners need to be able to bank from anywhere these days. That’s why they’ve stepped up their game in terms of online and mobile banking services. So even if you’re not near one of their branches, you can still access your account, transfer funds, make remote deposits, and more. Partner with a lender that is relationship-focused and community-driven The best professional partnerships are built on personal trust. Because credit unions answer only to their members, that is where their focus lies. They want to build long-term relationships. There’s also a good chance that your average credit union has greater ties to the local community than a national brand bank. You may see them sponsoring events that benefit the local community, or making donations and offering scholarships. If you’re interested in learning more about what a credit union can do for your business, please get in touch with us . 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 > How Mobile Check Deposit Works And When It Makes Sense to Use It 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.

Learn more aboutAdd Vibrant to your digital wallet Add Vibrant to your digital wallet If you never leave home without your smartphone, at least you can leave home without your wallet. Your Vibrant debit or credit card works with Apple Pay, Google Pay, and Samsung Pay. No more swiping! Apple Pay Open the Wallet app and tap the plus (+) sign to add a new card. Enter your card number, expiration date, and CVV code and tap NEXT. Vibrant will automatically verify your card info. To pay from your phone, wave your phone in front of any contactless card reader or tap it against the ))) symbol. Google Pay Open the Google Pay app and tap the +ADD TO WALLET button. Choose PAYMENT CARD, then ADD NEW PAYMENT CARD. Enter your card details manually or use your phone camera to automatically scan your card. Vibrant will automatically verify your card info. To pay from your phone, hold it against the contactless payment symbol on the card reader. Boop! You're ready to go. Samsung Pay Open Samsung Pay on your phone. Tap MENU (the three horizontal lines) in the top left corner, and then tap CARDS. Tap ADD CARD (look for the icon with a credit card with a plus sign). Tap ADD CREDIT/DEBIT CARD. Follow the instructions to register your card. When you add a card, you must agree to the card's terms and conditions. Vibrant will verify your card info. That's it! Hold your phone against any contactless card reader to pay. 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

Plan your next visit to Vibrant HQ Branch - Moline. Get hours, services, and driving directions. Vibrant HQ Branch - Moline 6600 44th Avenue Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours (including ITMs) Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed Services ITM banking Cash-dispensing ATM Deposit-taking ATM Branch lobby open Drive-thru open FAQ

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 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 > How Mobile Check Deposit Works And When It Makes Sense to Use It 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.

Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up For a long time, earning higher interest meant giving something up. Usually, that meant locking your money away in an account you couldn’t easily access. But that tradeoff isn’t as necessary as it once was. The Tradeoff People Assume Exists Many people believe: If you want higher returns, you need to lock your money up If you want access, you have to accept lower interest That used to be true—but it’s not the full picture anymore. Why You Don’t Have to Lock Your Money Away Today, there are savings options designed to give you both: Competitive interest rates Easy access to your money This means your cash can stay flexible while still working for you in the background. What to Look for Instead If your goal is to earn more without sacrificing access, focus on accounts that offer: Strong, competitive rates No unnecessary restrictions Easy transfers when you need your money A high-yield savings account is built around exactly this idea. Explore flexible savings options: High-yield savings account A Smarter Way to Think About Savings Instead of choosing between access and earnings, you can prioritize both. Your money should be: Available when you need it Growing when you don’t That balance is what makes modern savings strategies more effective. The Bottom Line You don’t have to lock your money away to earn more on it. With the right account, your savings can stay flexible while still delivering meaningful returns. See how your savings can work harder—without losing access: High-yield savings account 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 > How Mobile Check Deposit Works And When It Makes Sense to Use It 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.