Vibrant employees get all the usual benefits, including affordable health, dental and vision care. But there's a lot more, from time off to volunteer to tuition reimbursement. Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Add a Title Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Go out and make a difference Paid time off for volunteering Get 8 hours a year to contribute to the organization of your choice. Participate in a neighborhood clean-up, help out at a community event, volunteer at a shelter. Leadership development Every year we offer two different courses to help our employees collaborate better, prove themselves with special projects, and take their leadership skills to the next level. Keep yourself and your family healthy Medical Get affordable Blue Cross Blue Shield coverage for yourself, your spouse, and your family. PPO plan with low physician co-pays, savings on prescriptions, and a lower deductible HSA options with lower monthly premiums that enable you to pay out-of-pocket health costs using tax-free contributions to your health savings account Dental Save big on preventive care, major services, even orthodontics for the kids. PPO plan allows you to choose your own dentist Flexible plans built to cover just you, or everyone at home. Vision Get low-cost annual vision exams plus great savings on lenses, frames, and contact lenses. Includes laser vision correction through a network of providers Individual and family coverage available. Prepare for a secure financial future 401(k) retirement plan Automatically contribute to your plan each paycheck, up to the IRS maximum limit. Choose between traditional (pre-tax contributions) and Roth (after-tax contributions, with no taxes when you withdraw) options Create a custom portfolio from a range of leading mutual funds from top investment firms Vibrant will match your 401(k) contribution dollar for dollar, up to 6% of your salary Basic life/AD&D insurance All eligible employees receive group life insurance coverage for themselves and their eligible dependents at no additional cost. Employee: Benefit pays twice your annual salary, up to $350,000 Spouse: $10,000 benefit Children: $5,000 benefit Apply now Supplemental life insurance You can also purchase additional life insurance, based on your age and the amount of coverage you want, for yourself and your family Employee: Up to $500,000 (in increments of $10,000 only) Spouse: 50% of employee coverage, up to a maximum of $150,000 Children: $1,000 - $10,000 (in increments of $1,000)

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.

Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Easy Ways to Add Money to Your Account Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Here are a few simple ways to get started: Transfer Money from Another Bank Already have funds elsewhere? You can move them over in just a few steps using online or mobile banking. Need help? Click here. Deposit a Check from Your Phone No need to stop by a branch—just snap a photo of your check and deposit it through our mobile app. Need help? Click here. Deposit Cash at a CO-OP ATM Near You Need to deposit cash? You can use thousands of CO-OP network ATMs nationwide. Here’s how to find one that accepts deposits: Start here . Click Find an ATM In the gray navigation bar, switch from Simple Search to Advanced Search On the right-hand filters, select Deposit-Taking ATMs Enter your location to find the nearest option 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.

(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)

“Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds . (“SMS” and “phishing” equals “smishing.” Get it?) There are all kinds of text scams going around—free vacations, text “XXXXX” to donate to disaster relief—but the most common are focused on stealing your personally identifiable information, including account logins and passwords, Social Security numbers, security codes, birthdates, and more. Often, the senders impersonate reputable brands, like Microsoft, Amazon, or the financial institution where you bank, to gain your trust. Smishing is effective because the messages are short (so there’s less opportunity to say something that sounds fake) and because it’s hard to preview a link without clicking on it. Further, many mobile numbers are available in public databases, making it easy for scammers to hit up a bunch of potential victims without a lot of effort. 3 smishing warning signs Pay extra attention to texts that include: Links to websites. While there are times when legitimate senders will include a link in their message (for instance, Hy-Vee wants give you access to the receipt for your online order), most senders will tell you to call (and you should verify that number belongs to the sender before you do!) or ask you to reply to the message. Blocked, unknown, or incorrect Caller IDs. If you can’t see who’s sending the message, there’s a good chance it’s an attempted smishing attack. Appeals to respond quickly. Scammers don’t want you to think before you act. So they rely on messages designed to make you feel as though you’re at risk. How to respond if you're being smished Don’t reply “STOP” if it’s offered as an option. When you do, you confirm to the scammer that they’ve reached a valid number with an attentive person on the other end. This particular conversation may stop, but you’ll likely be hearing from them again. Don’t give out any personal information. No reputable organization will request your date of birth, Social Security Number, address, or payment information via text. Report scam texts to your mobile phone company and the FTC. You can forward scam texts to your mobile provider by forwarding the text message to 7726 (that’s SPAM). And you can share your scams with the Federal Trade Commission at reportfraud.ftc.gov or call 1-877-382-4357. How to minimize your risk of being smished Actively block or filter spam messages from your phone. On Android’s Messages app , click the menu in the upper right corner and choose DETAILS, then choose the BLOCK & REPORT SPAM option. On iPhone's Messages app , if you’ve opened the message, scroll to the bottom, select REPORT JUNK, then click DELETE AND REPORT JUNK. Make sure your phone software is up-to-date. Don’t put off those software updates! Back up your phone data. If you have an Android phone, it’s easy to move your photos and data to Google Drive. Apple iPhone users can use iCloud or back up to your PC or Mac via iTunes. 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.

Schedule an appointment online to meet with a Vibrant banker at Vibrant HQ to open a new account, get a financial review, or make changes to your existing account. Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Schedule an appointment with a banker Trying to decide what product is right for you? Schedule time to talk with a Vibrant Personal Banker. Open a checking or savings account Meet one-on-one with a Vibrant banker to open a new checking or savings account at a time that works for you. Open an account > Open a Certificate of Deposit (CD) Set up time to open a CD with a Vibrant banker at our Vibrant HQ location. Choose the date or time that works best for you! Open a CD > Open an account for a minor Schedule an in-person meeting with a member of our team to open a new savings or checking account for a minor. Open a minor account > Add a specialty account (Trust, IRA, HSA, POA) Book time to meet with a member of our team for assistance with specialty accounts including Trusts, IRAs, HSAs, and Power of Attorney (POA) accounts. Get started > Financial wellness check‑in Meet with a member of our team to talk through your financial needs and explore products and services that may be a good fit for you. Book a meeting > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Get started > Decedent account services Meet with a member of our team for assistance with handling a deceased member’s account and related banking needs. Schedule a time >

Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? At first glance, most savings accounts look the same. They hold your money. They’re safe. They earn interest. But once you look a little closer, the difference between a traditional savings account and a high-yield savings account can be significant—especially over time. What Is a Traditional Savings Account? Traditional savings accounts are what most people are familiar with. They’re typically offered by banks or credit unions and provide: A safe place to store money Easy access to funds A small amount of interest They’re simple and reliable—but often come with lower interest rates than newer alternatives. What Is a High-Yield Savings Account? A high-yield savings account is designed to do the same thing—but more efficiently. You still get: Security Accessibility Stability But you also get: a more competitive interest rate , which allows your money to grow faster over time The core difference isn’t how the account works—it’s how much your money earns while it sits there. Explore high-yield savings options: High-yield savings accounts Key Differences That Matter The differences between traditional and high-yield savings accounts come down to a few key areas: Interest Rate: Traditional savings accounts typically offer low interest rates, while high-yield savings accounts are designed to provide more competitive returns. Growth Potential: With lower rates, traditional savings accounts may see minimal growth over time. High-yield savings accounts allow your balance to grow more meaningfully, especially as it increases. Accessibility: Both types of accounts generally allow easy access to your money when you need it. Safety: Both traditional and high-yield savings accounts are designed to keep your money secure. Why Many People Are Switching More people are starting to question whether their savings account is doing enough. The shift toward high-yield savings is driven by a simple idea: If your money is going to sit in an account anyway, it should be earning as much as it reasonably can. There’s no added complexity. No added risk. Just a better return on the same type of account. Which One Is Right for You? If your priority is: Keeping your money safe Maintaining easy access Earning more on your balance A high-yield savings account is often the better choice. If you haven’t reviewed your savings account in a while, it may be worth taking a second look. The Bottom Line Not all savings accounts are created equal. The difference between a traditional account and a high-yield account may seem small at first—but over time, it can have a meaningful impact on how your money grows. See how much more your savings could be earning: 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.

Safeguard your equipment loan with coverage from REV Insurance Group. Vibrant Credit Union members financing farm, construction, or specialty equipment can protect their investment with physical damage coverage. Primary Keywords: equipment loan insurance, protect equipment loan, Vibrant Credit Union equipment loan, REV Insurance coverage Secondary Keywords: small farm equipment insurance, equipment damage protection, secure your equipment loan Protect Your Equipment Loan with Confidence Coverage you can count on—designed for the equipment you rely on every day. View the Quick Reference Guide Why REV Insurance makes sense Protect your equipment from damage and unexpected repair costs Keep your loan secure—no surprises if the unexpected happens Designed to cover more real-world scenarios: Avoid high home insurance deductibles Protect your claim-free discount Broader coverage for: Off-premises use Commercial use Higher limits for your equipment No rate increases or cancellations Who this is for REV Insurance is designed for a wide range of equipment and use cases, including: Farm & Ag Equipment Tractors, implements, and the accessories that power your farm or acreage. Construction & Landscaping The machines that keep your jobs moving—excavators, skid steers, mowers, and more. Small Business & Specialty Gear Business-critical or specialty equipment that keeps your operation running. Getting started is easy Questions? Check out our Quick Reference Guide for more information on our coverage. Want a quick walkthrough? Reach out and we will help to make sure your equipment (and peace of mind) is covered. Contact us now Frequently asked questions Do I have to get insurance to finance my equipment? You only need coverage if you don’t already have insurance through another company that covers the equipment. What kind of equipment is eligible for coverage? Most small commercial, farm, or construction equipment financed through Vibrant Credit Union—think tractors, mowers, skid steers, and more. Not sure? Aaron can walk you through it. Email him at aaron@revinsurancegroup.com . What does the coverage actually protect against? Physical damage from accidents, weather, or other unexpected mishaps. Coverage includes: Fire Flood Theft Rollovers Wind and hail And more How do I sign up? Coverage can be purchased through your local dealer and included directly in your loan. Aaron will help answer questions and ensure you pick the option that fits your needs. Email him at aaron@revinsurancegroup.com .

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

Not-for-Profits Convenient banking built to support your goals. Your not-for-profit does important work every day, and every dollar counts. Our high-interest checking and savings accounts help you maximize your funds and stretch every donation further. Simplify your financial management with easy-to-use digital tools, transparent terms, and responsive local support. Together, we can help your nonprofit thrive! Checking Savings Profitable interest rates for your not-for-profit. 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 mission 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. Determining tax-exempt status Do you need to set up a 501(c)(3)? Budgeting solutions What does a not-for-profit budget look like? Gaining volunteer retention How do you keep volunteers engaged? Who can open an account? A ny not-for-profit 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? Y ou 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. 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 . Are there any types of business you don't work with? Vibrant specializes in working with small- and medium-sized businesses. Talk with one of our community relationship managers about your banking needs, and we'll help you find the BEST account for your needs, even if it's with another financial institution. In general, Vibrant is not able to work with businesses that engage in money services, internet gambling, marijuana sales or cultivation, or virtual currency. I am not a local organization. Will this be a deal breaker? Nope! We work with businesses/organizations all over the country. Our objective is to understand your business banking needs and support you! The first step is having a conversation with one of our Relationship Managers. They will help you get started, answer questions, and help you simplify your banking needs. My organization is growing and I have to be able to provide payroll to my employees. Can Vibrant help with this? Congrats! That's exciting, we'd love to be part of your growth journey. Yes, we have several organizations that utilize our payroll services. To ensure we can support your payroll needs, consult with a Relationship Manager before you get your accounts set up. My organization has investors and donors from around the world. Can Vibrant accept international wires? Technically, yes, but it requires an intermediary bank. The funds must first be deposited into another U.S. bank and then sent to us. The good news is that this is a common practice and something international senders are generally familiar with. More questions? We have answers. Ready to get started? Let’s partner up together. Open an account

If you financed a vehicle or equipment through a dealer, your loan may be financed by Vibrant Credit Union — even if you never spoke with us directly. Got a loan financed by Vibrant Credit Union? You’re in the right place! Open an account now Your loan was funded by Vibrant Credit Union, even if you completed the financing process through a dealer or another lending partner. This page explains your membership, how your membership share account is set up, and the easiest ways to pay your loan. Yes, you’re a Vibrant member As part of your loan application process, you applied for a membership with Vibrant Credit Union. Vibrant funded your loan. In connection with your membership, a Membership Share Account was opened in your name and funded with the required $5 membership share deposit. So, this account is part of your Vibrant membership and gives you access to Online Banking. What to know: Your account is active—once you set up your online banking login, you’re ready to go! How (or if) you use the account is completely up to you If you want to use it and manage your loan through Vibrant, you can log in and set up payments at anytime. How to pay your loan You have three ways to make payments . The right one depends on how you want to manage your money. Option 1: Best if you’re using a debit card or another financial institution. Use the Loan Payment Portal to: Set up ACH payments from another bank Pay with a debit card View payment history and statements This option is used when you don’t have an active Vibrant account set up for payments. Note: The Loan Payment Portal has its own login—it’s separate from Vibrant Online Banking. Go to Loan Payment Portal Pay through the Loan Payment Portal Option 2: The simplest option—everything in one place. Because you’re already a Vibrant member, you can pay your loan directly from Vibrant Online Banking once you have a funded Vibrant account. Here’s how it works: Log into online banking using your membership share account number, Social Security number, and the email address from your loan paperwork Move funds into your account or open a high-yield checking or savings account Transfer funds directly to your loan using an internal transfer Already using another bank? You can also link an external account to Online Banking and transfer funds from there. Note: Vibrant Online Banking uses a different login than the Loan Payment Portal. Go to Online Banking Pay Directly in Vibrant Online Banking Option 3: Prefer to keep it old‑school? That works too. Mail your check to: Vibrant Credit Union ATTN: Payments PO Box 1550 Moline, IL 61266 Remember to include your account number on the memo line for faster processing. Pay by mail with a check Online Banking = Your Control Center Vibrant Online Banking lets you: View your Membership Share Account Pay your loan directly with internal transfers Link external accounts Open new accounts online Manage everything in one place Set up online banking Get more from your membership Our high‑yield checking and savings accounts let you: Earn up to 20x more than the average credit union Pay your loan with simple internal transfers Manage everything from one dashboard You can open and fund an account right in Vibrant Online Banking — it takes about 5 minutes . Explore high-yield checking & savings Need a walkthrough? Sometimes seeing it is easier than reading about it. Watch some of our short videos below. If you’d rather talk to a real person, call 800‑323‑5109 or contact support . How to set up your online payment portal login: How to make a your loan payment online: How to update the password to your account: How to set up automatic payments: How to make principal-only payments: Mobile experience walk-through:

Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. The Best Place to Keep Your Emergency Fund (Without Losing Access) Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. Where Should You Keep Your Emergency Fund in 2026? An emergency fund should give you peace of mind—not sit in an account earning next to nothing. But that’s exactly what’s happening for a lot of people right now. Even as interest rates have increased, many traditional savings accounts are still paying very little. Which means your emergency fund may not be working as hard as it could. So where should you keep it? Let’s break it down. What an Emergency Fund Needs to Do Before choosing where to keep it, it helps to define the job. Your emergency fund should be: Accessible — You can get to it quickly Safe — Your balance isn’t exposed to market risk Earning — It should grow, even while sitting idle If an account misses one of these, it’s not doing its job. Option 1: Traditional Savings Accounts Traditional savings accounts are familiar and easy to use. They offer: Security Simple access No surprises But many still come with very low interest rates, which can limit how much your money grows over time. For an emergency fund, that tradeoff matters more than most people realize. Option 2: High-Yield Savings Accounts This is where more people are starting to make a shift. A high-yield savings account is designed to do the same job as a traditional savings account—but with significantly better earning potential. You still get: Easy access to your money A safe place to store your funds But you also get: a more competitive rate that helps your balance grow over time For most people, this is the best balance of access and earnings for an emergency fund. Explore your options: High-yield savings accounts A Simple Way to Approach It For most people, the goal isn’t to find the most complex place to store an emergency fund—it’s to find the most efficient one. That usually means: Keeping your money fully accessible Earning a competitive rate Avoiding unnecessary restrictions A high-yield savings account checks all three boxes. Some people choose to keep a small amount of cash readily available for immediate needs, while storing the rest in a higher-earning account. This approach keeps your money both accessible and working for you. The Bottom Line Your emergency fund shouldn’t just sit still. It should: Be there when you need it Grow quietly in the background The good news is you don’t have to choose between access and earning potential anymore. See current savings options and rates: 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.