QC Storm Ticket Giveaway Disclaimers Giveaway Overview: One winners will be selected to win four (4) tickets to the 2:10 p.m. Quad City Storm game at Vibrant Arena on March 22, 2026. To win, you must: Leave a comment with your weather prediction for that day. The winner will be randomly drawn from the entries on Wednesday, March 18, 2026. If you do not wish to participate in the social media competition outlined above, you can submit your entry to marketing@vibrantcu.org . We will contact the winners by commenting directly on their post comment/emailing them back. Winners must pickup their tickets at Vibrant HQ in Moline, IL. If the winners do not respond back to claim their tickets by the end of the day notified, another winner may be drawn. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. This promotion is in no way sponsored, endorsed, or administered by, or associated with any social media platform such as Facebook, Instagram, LinkedIn, TikTok, etc. Any questions, comments, or complaints regarding any promotion should be directed to Vibrant, not to the social media platform. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on the dates specified in the Guidelines for the particular promotion. All entries or submissions must be received on or before the time stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must follow all required rules of entry to participate in the Giveaway. For social media specific Giveaways, rules may include “Liking” a post on Vibrant’s corresponding social media or commenting on a Timeline as instructed. No post or tag etc., on a personal timeline will be considered. After complying with the instructions and submitting the required information, the entrant will automatically be entered to win. You may enter as many times as you wish unless specifically prohibited by in the Guidelines for the particular promotion. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. A certain number of winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. Some Giveaways may have as few as one (1) winner but may have more than one as announced. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via a posting on Vibrant’s social media and/or by other means in Vibrant’s discretion. The prize or prizes shall be selected at the discretion of Vibrant and will be notated on the Credit Union’s social media with other applicable information. Each entrant is responsible for monitoring Vibrant’s social media for posts regarding prize notification and receipt or other communications related to the Giveaway or as specifically stated in the Guidelines. Vibrant may at its discretion contact winners using email, social media messaging or by comment on a Post. Potential winners must pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. SOCIAL MEDIA GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025 Previous Item Next Item

Find the nearest Vibrant branch or one of more than 30,000 surcharge-free ATMs across the United States. Locations Bank in person at one of our Moline branches or enjoy full-service digital banking with our ITMs. Plus, Vibrant members now have access to over 30,000 surcharge-free ATMs. Find an ATM For a list of nearby ATM locations delivered right to your inbox, text your ZIP code to 91989. Vibrant HQ Branch Vibrant Credit Union 6600 44th Avenue Moline, IL 61265 More details SouthPark Branch Vibrant Credit Union 4400 16th St Moline, IL 61265 More details Vibrant ITM* Vibrant Coffeehouse & Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 More details *This location features a full-service ITM (interactive teller machine) that connects you with our Vibrant team via video. ITMs are available Monday–Friday from 8:30 a.m. to 5 p.m. CT and Saturdays from 8:30 a.m. to noon, and can be used as a standard ATM any time the location is open. Learn more about how our ITMs work here.

Closing your Vibrant digital banking account Want to close your account? We're sorry to see you go. Once you close your account, you will no longer be able to access your account information through our online banking platform or mobile app. 1. Close your account in person. Visit one of our branches and request to close any or all of your accounts. Bring your current state-issued ID or driver's license. Talk to a staff member and let them know which account(s) you'd like to close. We'll ask you to sign an account closure form. We'll refund your balance in cash, with a cashier's check, or through a wire transfer to another financial institution. 2. Close your account by phone. Call us at 1-800-323-5109 between 8:30 a.m. and 5 p.m. CT Monday through Friday or from 8:30 a.m. to 12 p.m. CT on Saturday. When you connect, press option 1, then option 3. Tell our member contact center agent which account(s) you'd like to close. We will confirm your identity, then get your signature on an account closure form. You can choose to have us mail you a cashier's check for the balance of your account or help you transfer the remaining funds to another financial institution by wire. To learn how Vibrant handles your personal information and data while you're an account holder, as well as after you close your account, please see our privacy policy . Previous Item Next Item

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

Vibrant started the Be The Good Foundation to build and sustain vibrant communities throughout Iowa and Illinois. Be The Good Foundation Empowering Our Communities Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. BE THE GOOD FOUNDATION Empowering Our Communities Our Vision To be a driving force for positive change—fueling communities with funding, volunteer support, and opportunities to thrive. We envision Vibrant communities where people grow together, opportunities abound, and compassion leads the way.  Our Mission We fund projects and programs that boost financial literacy, equip kids with essential life skills, and create thriving communities. We do this with purpose and heart, rooted in our belief that when people and organizations come together for good, everyone benefits.  Groups We Support Be The Good Foundation particularly focuses on organizations and initiatives that support: Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. Our Core Values We love our communities and want to make them even better. We’re proud to be a part of the communities we serve. These aren’t just places on a map—they’re home. We believe that when you care deeply about a place, you do your part to help it grow, improve, and thrive. Whether that means supporting grassroots programs and projects, investing in local leadership, or simply showing up where we’re needed, we are here to uplift and empower. Our communities deserve to flourish, and we’re committed to being a part of that transformation every step of the way. We believe in good—doing good, being good, and spreading good. In a world that can often feel divided or heavy, we choose to lead with hope and positivity. We intentionally support programs and projects that are doing good in their pocket of the world—because we believe those efforts ripple outward in powerful ways. To us, “good” isn’t just an abstract idea. It’s about showing kindness, standing up for others, lending a hand, and doing what’s right, even when it’s not easy. By consistently choosing good, we hope to inspire others to do the same—and together, create a more compassionate and connected world. We’re here to help people. Helping others is at the heart of who we are. It’s not about grand gestures or recognition—it’s about meeting people where they are and supporting them in ways that truly matter. We believe that no act of help is too small. Whether we’re backing nonprofit organizations with innovative solutions, responding to urgent community needs, or simply making life a little easier for someone facing a tough time, we approach every effort with care, compassion, and the belief that every person is worth investing in. When people feel seen and supported, they can rise—and that’s the kind of world we want to build. We’re hopeful and optimistic. We see so much good happening around us—nonprofits doing extraordinary work, volunteers stepping up with heart, and communities coming together with courage and resilience. That gives us hope. We choose to believe in what’s possible, even in the face of challenges. Our optimism isn’t naïve—it’s rooted in the real, tangible work being done by people and organizations who care deeply and work tirelessly. That’s why we support them. They inspire us daily, and we believe their efforts are building a brighter, more vibrant future for everyone. We bring joy to what we do. Joy is a driving force in our work. Yes, we tackle serious issues—but we also believe that joy, gratitude, and connection make our efforts even more impactful. We celebrate the wins, cherish the partnerships, and find meaning in the small moments. When you love what you do and believe in why you’re doing it, joy becomes a natural part of the process. It fuels us, lifts others up, and reminds us that even in the hardest work, there’s room for light and celebration. We care about real results. We’re not just here to feel good—we’re here to do good, and to do it well. That means staying focused on the outcomes that truly make a difference in people’s lives. We want to see positive change that lasts—more access to opportunities, stronger support systems, healthier and wealthier communities. That’s why we support initiatives that are strategic, measurable, and seek real impact. When we give, we give with purpose. And we expect our partners to do the same, because our ultimate goal is lasting, meaningful progress—not just quick wins. Integrity matters—always. We believe that integrity is the foundation of everything. It builds trust, ensures accountability, and creates the conditions for real change. We hold ourselves to high ethical standards in everything we do—from how we select and support our grantees to how we communicate with our community. And we ask the same of those with whom we partner. Doing good isn’t just about the results—it’s also about how we get there. Integrity means being transparent, honest, and consistent, even when no one is watching. It’s nonnegotiable for us, and essential to the kind of impact we want to make. Our Board Tiffany Haedt President Megan Anderson Vice President Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Ready to get started? Apply for a Grant Eligibility Requirements We welcome proposals for conforming programs that align with our values and priorities. Please check our Grantmaking Guidelines to see if you're eligible to apply. Need More Information? Have questions about the process or want to request more information about the Be The Good Foundation? Request more details Grantee Forms & Resources Small Grant Proposal Regular Grant Proposal Cover Form Regular Grant Proposal Cover Form for Renewing Due Diligence Due Diligence Questionnaire Organizational Changes Supporting Documentation Supporting Documentation for Renewing Applicants Request to Support a Program Small Grant Report FAQ

Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Moline, IL — April 3, 2024 Last fall, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. Interest rates on consumer borrowing, especially car and home loans, have risen significantly over the last 2+ years as the Federal Reserve has raised the federal funds rate to combat inflation. At the same time, interest rates on consumer deposits—the funds that financial institutions use to make many of those loans—have remained stubbornly low. Most big banks still offer a measly 0.01 percent annual percentage yield on consumer savings—meaning that if you deposit $10,000 in a savings account, by the end of the year, you’ll earn a single dollar in interest. Put that same $10,000 in Vibrant’s new Preferred Savings account, though, and you’ll earn $450. Further, the account has no monthly service fees, no minimum balance requirements, and no hidden conditions about setting up direct deposit or making a certain number of debit card transactions each month to qualify. It's a strategy that’s proving wildly successful for the credit union. In February alone, current and new members moved an additional $26 million in deposits to Vibrant. So why aren’t other financial institutions following suit? Matt McCombs, Vibrant’s president and CEO since 2015, thinks it’s because Vibrant’s new model goes against the conventional wisdom of what a credit union is supposed to look like. “Over the last few years, we’ve taken a long hard look at where we’re spending our members’ money and how well that aligns with what they actually want us to spend money on,” says McCombs. “For instance, a decade ago, more than half our members did at least some of their banking in person at one of our branches. Last year, that number was down to about 16 percent, and it’s continuing to drop. “So we asked, what if we invested more in the technologies and services our members are actually using—like our online banking platform and our call center? What if we close some of our branches outright and use the savings to pay our members more interest on their deposits?" That’s the new Vibrant: relentlessly focused on the products it knows it does better than its competitors and devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. “It’s a matter of understanding our strengths and doubling down on them,” says McCombs. For now, it means that Vibrant doesn’t look like anyone else in the area. But McCombs is confident Vibrant’s model is the way of the future. “The days of getting all your financial needs met by a single institution are over. When someone wants to buy a house, they can get on Rocket Mortgage. When they want to buy a car, they go straight to the dealership. We don’t mind if our members get the best deal on their loans from someone else, because that means we’re able to give them the best deal on their deposits.” Even given the rise of so many internet-only financial institutions, McCombs also sees an important place for credit unions like Vibrant. “In general, people prefer to do business with local people,” McCombs says. "When they have questions, they want to be able to talk with someone they know. They want to support local jobs. They're just not going to do it at the expense of passing up a much better deal online. Our savings and checking options give people an excellent reason to keep their money here in our communities.” About Vibrant Vibrant was founded in 1935 as a federally insured credit union with its roots in agricultural manufacturing. Now an industry-leading deposit rate competitor, customers across the country can bank with the best utilizing easy access apps and money movement-friendly accounts with top earning rates. In the community, Vibrant strives to bring specialized products to nonprofits and small businesses to foster all to "be the good." Not far from their roots, Vibrant also provides relationship- and education-focused equipment financing programs to outdoor equipment manufacturers nationwide. Previous Item Next Item