Learn more aboutGet our routing number Get our routing number Vibrant's routing number is 271183646 . You can find it on the footer of every page on our website! 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

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.

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New to Vibrant Equipment Lending? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Questions? Reach out to your Relationship Manager. Or email us at loanprogram@vibrantcu.org . Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of October 29, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier 740+ 700–739 660–699 36 months 6.99% 7.99% 10.99% 48 months 6.99% 7.99% 10.99% 60 months 6.99% 7.99% 10.99% 72 months 6.99% 7.99% 10.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Holiday Hours Veterans Day Wednesday, November 11 - CLOSED Thanksgiving Day Thursday November 26 - CLOSED Christmas Eve Day Thursday December 24 - OPEN 7:30AM-12:00PM Christmas Day Friday December 25 - CLOSED New Year's Eve Day Thursday December 31: OPEN 7:30AM-12:00PM New Year's Day & Weekend - Friday, January 1 & 2 CLOSED Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Questions? Reach out to your Relationship Manager. Or email us at loanprogram@vibrantcu.org . Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of October 29, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier 740+ 700–739 660–699 36 months 6.99% 7.99% 10.99% 48 months 6.99% 7.99% 10.99% 60 months 6.99% 7.99% 10.99% 72 months 6.99% 7.99% 10.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Holiday Hours Veterans Day Wednesday, November 11 - CLOSED Thanksgiving Day Thursday November 26 - CLOSED Christmas Eve Day Thursday December 24 - OPEN 7:30AM-12:00PM Christmas Day Friday December 25 - CLOSED New Year's Eve Day Thursday December 31: OPEN 7:30AM-12:00PM New Year's Day & Weekend - Friday, January 1 & 2 CLOSED Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

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.

What Really Keeps Your Money Protected Is Online Banking Safe? What Really Keeps Your Money Protected At some point, almost everyone asks the same question: “Is online banking actually safe?” It’s a fair question. Logging in, moving money, and paying bills digitally can feel more abstract than handing over a card or talking to a teller. Short answer? Yes. Online banking is designed to be secure. The more useful answer is that safety doesn’t come from one setting or feature. It comes from layers working together in the background, most of which don’t require much effort from you. Understanding those layers makes online banking feel less risky — and a lot more normal. Security Works in Layers, Not One Big Lock Security isn’t a single lock on the door. It’s a series of overlapping protections that catch different types of issues at different points. Those layers include: Systems that monitor activity patterns Controls that verify logins and devices Alerts that flag unusual behavior Everyday habits that reduce common risk No single layer handles everything. Together, they create protection that adapts to real‑world use, not just ideal scenarios. What You Do Matters (But It Doesn’t Have to Be Complicated) You don’t need technical expertise to bank safely online. C onsistency matters more than complexity . The basics — strong unique passwords , keeping devices updated , logging in on trusted networks when possible — cover most everyday risk. Fraud attempts tend to rely on outdated access or predictable behavior, not elaborate hacks. Which means the simple stuff actually works. Alerts Are About Calm, Not Constant Checking One of the most effective security tools is also one of the simplest: alerts. Alerts aren’t meant to keep you on edge. They’re meant to reduce the need for constant monitoring. It helps to use alerts for exceptions, not everything . That could mean: Notifications for large transactions Alerts for unfamiliar logins Warnings when balances drop below a certain level This shifts monitoring from something you do to something that supports you . If something needs attention, you’ll know. Otherwise, you can move on with your day. Public Wi‑Fi Doesn’t Require Panic — Just Judgment Summer often means airports, coffee shops, hotels, and public Wi‑Fi. These networks aren’t automatically unsafe, but they do add uncertainty. You don’t control who else is connected or how traffic is handled. In practice, it’s best to save sensitive actions for more secure connections when you can . Checking balances is generally fine. Reviewing activity is fine. Making major changes or moving money is better done on a trusted network. What Happens When Something Looks Off Many people assume they’ll be the first to notice fraud. In reality, unusual activity is often flagged automatically based on patterns that don’t match normal behavior. Think of security as shared responsibility: Systems monitor and detect Alerts surface potential issues You confirm what makes sense If something doesn’t look right, it’s usually better to pause before reacting. Acting quickly doesn’t help nearly as much as verifying calmly. Convenience and Security Aren’t Opposites Anymore There used to be a trade-off assumption: the more convenient, the less secure. That's no longer true. Modern security is designed to work with convenience. Features like digital access, mobile tools, and automated monitoring are meant to reduce risk without adding friction. A good system supports normal behavior instead of forcing you to choose between ease and safety. A Simple Check‑In Question You don’t need to understand every technical detail to know whether your security setup is working. A simple check here: does this feel calm to use? If you: Feel comfortable banking digitally Aren’t worried every time you log in Trust you’ll be alerted if something’s off That’s a sign the system is doing its job. Final Thought Online banking safety isn’t about constant vigilance. It’s about systems that work quietly, tools that support real life, and habits that reduce everyday risk without asking much in return. When security fits naturally into your routine, it stops feeling like something you need to manage — and starts feeling like something you can rely on. 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 > 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)

Get one of the best high-interest savings accounts available anywhere. Apply online in minutes and start earning more. A better place to keep your savings New members can earn up to 4.40% APY* with a high-yield savings account designed to help your money grow faster. Open an account Award-winning rates Make your savings work harder with rates designed to help your balance grow faster. Unlimited transactions Easily transfer, withdraw, and manage your money whenever you need it, straight from your device. No monthly fees With Vibrant, you'll never be surprised by maintenance fees or minimum balance requirements. Find the high-yield savings account for you Digital Advantage Savings A great first savings account for new members only. 4.40% APY* on balances up to $5,001 MEMBER FAVORITE! Preferred Savings Our most popular savings account for steady growth. 4.00% APY* on balances up to $14,999 Premier Savings The account built for savers ready to take the next step without all the restrictions or requirements. 3.00% APY* on balances over $25,000 Open an account now Higher balances get higher rates with Elite Savings Earn more as you grow with tiered rates that automatically increase with your balance. Elite Savings Tier 1 3.50% APY* on balances $100,000 - $249,999 Elite Savings Tier 2 3.75% APY* on balances $250,000 - $999,999 Elite Savings Tier 3 4.25% APY* on balances over $1,000,000 Earn more. Worry less. Get high-yield rates without the hassle: No monthly maintenance fees No transaction requirements Unlimited transfers and withdrawals Online mobile banking Dividends paid monthly Membership available nationwide Federally insured by the NCUA Open an account in minutes Award-winning. Again. 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. Explore all our award-winning rates 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. More 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. Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account 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. 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 . 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 . 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 . What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings or 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. 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. 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.

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

What’s the Difference (and Why It Matters) Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) The terms identity theft and identity fraud get used interchangeably — in headlines, warnings, and casual conversations. But they’re not the same thing. Understanding the difference isn’t just about knowing the right words. It helps you recognize risks earlier , respond more calmly, and avoid assuming that all identity‑related issues look the same or require the same reaction. If fraud conversations tend to feel vague or overwhelming, this distinction is a good place to start. Identity Theft and Identity Fraud Aren’t Interchangeable Here’s the simplest way to think about it: Identity theft is about information being taken. Identity fraud is about that information being used. Identity theft happens the moment someone gains access to personal details they shouldn’t have — your name, date of birth, Social Security number, account credentials, or other identifying information. Identity fraud happens when that stolen information is actually used to open accounts, move money, make purchases, or impersonate you. Not every instance of identity theft turns into fraud. But most identity fraud starts with some form of identity theft. That distinction matters. Why Identity Theft Often Goes Unnoticed One of the reasons identity theft is so common is that it doesn’t always create immediate consequences. Information can be exposed through: Data breaches Phishing emails or texts Fake forms or websites Compromised devices or networks In many cases, nothing happens right away. That delay can create a false sense of security — or make people assume there’s nothing they can do until a real problem shows up. But early awareness is valuable. The sooner stolen information is recognized as compromised, the easier it is to reduce the chances of fraud later. When Identity Fraud Enters the Picture Identity fraud is easier to spot because it creates visible impact. That can include: Unfamiliar charges or withdrawals New accounts you didn’t open Payments or applications you didn’t authorize Activity that doesn’t match how you normally use your accounts At this stage, people often feel pressure to act immediately — sometimes too quickly. Panic can lead to rushed decisions, especially when scammers try to recreate urgency by pretending to “help.” Knowing whether you’re dealing with exposure (theft) or misuse (fraud) helps you respond with the right level of urgency, not just speed. Why the Difference Matters in Real Life Treating identity theft and identity fraud as the same thing can lead to two common problems: Overreacting to exposure Not every data breach requires shutting everything down. Sometimes the right response is monitoring and added awareness, not drastic action. Underreacting to misuse When fraud does happen, minimizing it or waiting too long can give bad actors more time to do damage. Clear distinctions help you avoid both extremes. Why Identity Problems Don’t Always Show Up Right Away One of the least talked‑about aspects of identity‑related issues is timing. Identity information can surface months — or even years — after it’s initially exposed. That delay makes prevention feel abstract and response feel sudden. That’s why many protective measures are designed to work quietly: Monitoring for unusual patterns Alerts that surface exceptions Systems that look for activity that doesn’t match normal behavior These tools don’t eliminate risk entirely, but they drastically reduce how long problems go unnoticed. The goal isn’t constant vigilance. It’s early detection without daily stress . Simple Ways to Reduce Risk (Without Living in Fear) Protecting yourself from identity‑related issues doesn’t require paranoia. It’s usually about a handful of steady habits: Treat unexpected requests for information cautiously Verify messages before clicking or responding Pay attention to alerts that indicate unusual activity Keep devices and apps updated These don’t prevent everything, but they dramatically reduce exposure and limit how far fraud can spread if it does occur. Most scams rely on speed, distraction, or confusion. Slowing things down is often the most effective counter. If Something Does Happen, Calm Is an Asset Whether it’s theft or fraud, one thing consistently makes situations worse: panic. Scammers often create urgency because they know rushed decisions benefit them. Real organizations rarely demand immediate action without verification. If something looks wrong: Pause Verify through trusted channels Focus on understanding what happened before reacting to how it feels Calm responses tend to be faster and more effective in the end. Final Thought Identity theft and identity fraud aren’t identical problems — and treating them differently helps you respond more clearly and confidently. Not every exposure leads to misuse. Not every irregularity signals disaster. Understanding the difference keeps you grounded and better equipped to protect yourself over time. Fraud prevention doesn’t work best when it’s loud or alarming. It works best when it’s steady, informed, and built into everyday life. That’s not about fear. That’s about awareness. Previous Item Next Item Read more from the blog 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. Read More > APY vs. Dividend Rate Why there are two numbers (and what they actually mean)

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)

With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. Understanding recent bank failures and what they mean for you With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. With the back-to-back-to-back failures of Silicon Valley Bank , Signature Bank , and Silvergate Bank , followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. The most important thing to know is that these recent bank failures were the fault of decisions made by those institutions specifically — and that they don’t necessarily reflect on the financial stability of other banks and credit unions. Nevertheless, their collapse is a timely reminder to learn more about the financial health of your own credit union or bank. Here are a few tips for evaluating how safe your money is. If you have less than $250,000 in deposits with a single NCUA- or FDIC-insured financial institution, you’re not at risk. If you have less than a total of $250,000 deposited among your accounts (including checking, savings, money market, CD, IRA, and Revocable Trust accounts), your funds are protected. If you share any of those accounts with another person, then both of you are individually insured up to $250,000 in deposits. That means that if you and your spouse share a checking account and a savings account, then you’re protected up to $500,000 of deposits. Three account owners? Then you’re protected up to $750,000. How do you find out if your financial institution is NCUA- or FDIC-insured? Deposit insurance for credit union members is provided by the National Credit Union Administration (NCUA). All federal credit unions and nearly all state-chartered credit unions (including Vibrant) are protected by NCUA deposit insurance. You can confirm your credit union’s NCUA status by searching the NCUA member database . You should also see notices about its NCUA insurance posted on its website and on its premises. Deposit insurance for U.S. banks is provided by the Federal Deposit Insurance Corporation (FDIC). Nearly all U.S. banks are FDIC-insured. As with the NCUA, the FDIC also requires member institutions to post notices about its FDIC membership on its website and on its premises. You can also confirm a bank’s FDIC status through the FDIC website. If you DO have deposits in excess of FDIC or NCUA limits, take a closer look at your financial institution’s performance. There may be situations where you need to maintain a total balance above the deposit insurance limit of $250,000 — for instance, if you’re running a business with large cash requirements for payroll or inventory or if you're trying to maximize your interest earnings by consolidating your money in a single account with the best available rate. If that’s the case, here are some ways to assess your financial institution’s overall health. 1. Find out where your credit union or bank invests its deposits. Financial institutions generate revenue in two ways — either by lending money out and earning interest on those loans or by investing in other forms of equity — stocks, bonds, and other securities. You can look at Vibrant’s statement of financial condition to get a broad overview of where we invest deposits. In the case of Silicon Valley Bank, by comparison, more than 40 percent of its income came from investments — many in the form of long-term Treasury bonds, which have lost value as interest rates have risen in the last year. Meanwhile, Signature and Silvergate heavily invested in cryptocurrency, which has also lost significant value in the past year. 2. Look for steady deposit growth. When people and businesses continue to deposit their money with an institution, it’s a sign there’s strong confidence in how the institution manages its assets. In Vibrant’s case, total deposits have grown from about $407 million at the end of 2012 to about $774 million at the end of 2022 — a 47 percent increase in deposits over the last decade. (You can access past financial statements for Vibrant or any credit union via the NCUA website if you really want to get in the weeds.) 3. Look at the institution’s capitalization classification. Every NCUA- or FDIC-insured financial institution must meet certain capital requirements that ensure it has enough cash on hand to meet its depositors' needs. NCUA considers a credit union “well capitalized” if it has a net worth ratio above 7 and a capital ratio above 10. For reference, Vibrant’s current net worth ratio of 9.48 and capital ratio of 14.93 place it well within the "well capitalized" category. (Capitalization classifications are available for every credit union within the quarterly call reports posted on the NCUA website.) Why a credit union can be a less risky choice than a bank The bank run that led to the collapse of Silicon Valley Bank resulted from widespread panic among depositors after its financial reporting showed the bank might not have funds available to meet all its financial obligations. Rather than risk losing any deposits in excess of FDIC insurance limits, many customers decided to withdraw their funds while they could and move them elsewhere — making Silicon Valley Bank’s existing issues even worse. In general, credit unions like Vibrant are far less likely to experience bank runs because the overwhelming majority of their deposits are federally guaranteed. More than 90 percent of credit union deposits fall within deposit insurance limits, while only about 50 percent of bank deposits do. Additionally, credit unions tend to prioritize safe, sound, and fiscally responsible investments over the pursuit of the ever-higher profits expected by bank shareholders. As member-owned nonprofits, credit unions don’t answer to Wall Street — only to their members. For Vibrant, that means lending money at affordable rates and providing a fair return for members who put their savings into money market accounts and certificates of deposit. If you’re considering moving your money now, talk to us about how we can help safeguard your deposits while enabling you to meet your financial needs. Open an account today . 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.