Discover banking solutions built for community organizations and associations. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Smart Banking. Stronger Communities. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Get started Community Associations We saw a need for better banking solutions tailored to groups in our communities. With a shared passion for making an impact, we built a unique set of bank accounts designed specifically for small businesses, sports teams, not-for-profits, and more . Our goal? To make managing money easier, more accessible, and built around the needs of those who give back, grow, and bring people together. Learn more 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. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. 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. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. 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. 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 at the lowest rate listed. Can I open more than one Preferred 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 above $15,000. Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account are a 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. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Florida Condo HOAs Our reserve and lending solutions are built specifically for HOAs impacted by House Bill 913, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns—while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity. Learn more Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $0 - $99 0.00% 3.25% $100 - $24,999 0.005% 3.25% $25,000+ 0.005% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings Account 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. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. The closest branch is as near as your phone Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Apple Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Android Business Money Market Account Rates Average Daily Balance Business Money Market APY* $500,000+ 0.75% $200,000 - $499,999 0.01% $100,000 - $199,999 0.01% $100 - $99,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market 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. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Our deposit accounts and lending solutions give your organization the tools to thrive—while keeping your mission at the center. Smart Banking. Stronger Communities. Get started

Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Vogues Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager 563-514-4844 mbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Vogues Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager 563-514-4844 mbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Vogues Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Brayden Sechser Relationship Manager 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager 563-514-4844 mbrown@vibrantcu.org John Weaver Relationship Manager AL, FL, GA, NC, SC, VA 309-645-2062 jweaver@vibrantcu.org Set up your Vibrant account and get instant access to the dealer portal. Get Started What’s the relationship between Vibrant Credit Union and Yanmar Finance? 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? Get in touch with your Relationship Manager or email us here . 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. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Yanmar 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). 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? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! 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. FAQ Email us Call us Manage your account Standard Financing | New Equipment No down payment required; eligible for additional cash rebates. Rates current as of June 19, 2025. For low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (640–679) C (600–639) D (550—599) E (<549) 36 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 48 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 60 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 72 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 84 month 7.49% 7.99% 12.99% 18.00% 18.00% 18.00% 120 month 7.49%** 7.99% 12.99% 18.00% 18.00% 18.00% *"APR" = "Annual Percentage Rate." Minimum loan amount of $15,000 for all 120-month terms. **7.49% standard rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers will qualify. Standard Financing | Used Equipment 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 Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Quick Links Loan Portal Compact Equipment Promos Rural Lifestyle Promos Online Banking Guide Email Vibrant Call Vibrant Resources Load More

Plan your next visit to SouthPark - Moline. Get hours, services, and driving directions. SouthPark - Moline 4400 16th St Moline, IL 61265 United States (800) 323-5109 Get directions Lobby hours Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed ITM (digital banking) hours Services Coin machine Night drop Branch lobby open Drive-thru open FAQ

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. 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. BE THE GOOD FOUNDATION Empowering Our Communities 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. Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Tiffany Haedt President Megan Anderson Vice President Marsha Wolff Secretary/Treasurer Our Board 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 Ready to get started? Apply for a Grant FAQ

If you have a home loan from Vibrant, you can make adjustments to your escrow account by completing this form. Changes are due by Dec. 30, 2023. Make changes to your escrow account

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

See Vibrant's current rates on checking and savings accounts, certificates of deposit (CD), personal credit cards, and more. Which rates are you checking? These rates are effective as of November 14, 2025. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria. No hoops. No hassle. Always great rates. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Premier Checking Earn 4.00 APY* on your checking up to $24,999 Get started Preferred Savings Earn 4.00% APY* on balances up to $14,999 Get started 6-month CD Earn 4.15% APY* Get started Personal Checking Account Rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier 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. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Back to top Personal Savings Account Rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.75% 0.75% – 4.00% 3.25% 4.25% $250,000 - $999,999 0.05% 1.75% 0.75% – 4.00% 3.25% 4.00% $100,000 - $249,999 0.05% 1.75% 0.75% – 4.00% 3.25% 3.75% $25,000 - $99,999 0.05% 1.75% 0.75% – 4.00% 3.25% 0.50% $15,000 - $24,999 0.05% 1.25% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.25% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings, 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. Preferred Savings 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. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Back to top Business Money Market Account Rates Average Daily Balance Business Money Market APY* $500,000+ 0.75% $200,000 - $499,999 0.01% $100,000 - $199,999 0.01% $100 - $99,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market 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. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Looking for mortgage rates? Learn more Individual Retirement Account (IRA) Rates Average Daily Balance APY* $100,000+ 0.35% $50,000 - $99,999 0.30% $25,000 - $49,999 0.10% $100 - $24,999 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. IRA 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. Any fees could reduce potential earnings. Make retirement planning less taxing. Talk to us about an IRA . Back to top Health Savings Account (HSA) Rates Average Daily Balance APY* $100+ 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. HSA 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. Any fees could reduce potential earnings. Looking to supplement your healthcare coverage? Talk to us about an HSA . Back to top Certificate of Deposit (CD) Rates Term APY* 6-Month CD Special 4.15% 13-Month CD Special 4.00% 48-Month 3.65% 23-Month CD Special 3.50% 30-Month 3.50% 40-Month Bump Up Special 3.35% 8-Month 0.01% 9-Month 0.01% 12-Month 0.01% 15-Month CD Special 0.01% 18-Month 0.01% 24-Month 0.01% 36-Month 0.01% 5-Year Add-On Certificate 0.01% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The 6-month Certificate Special will auto-renew into a 6-month certificate at the rate available at the time of maturity. 9- , 13- and 15-month certificates will automatically renew into a 12-month term at maturity. The 23-month CD will automatically renew into a 24-month term at maturity. For the 40-month Bump Certificate Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. The 8-month Certificate Special will auto-renew into a 6-month certificate when the certificate matures. During the term of the Add-On certificate , you may make deposits of $5 or more at any time. A penalty may be imposed for early withdrawal. Need to grow your cash steadily and securely? Open a CD. Back to top Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your funds with extended NCUA insurance coverage. Get started now . Back to top Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account are a 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. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Standard Business Checking Account Rates Average Daily Balance APY* $100,000+ 0.25% $25,000 - $99,999 0.15% $0 - $24,999 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Business Checking is a tiered account; if the balance falls within the range for a particular tier, the dividend rate applicate to that tier will apply to the full balance. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Want to ditch those monthly fees and requirements? Open a business checking account. Back to top Personal Checking Personal Savings CDs IRA HSA Personal Accounts Insured Money Market Business Accounts Business Checking Business Savings Business Money Market Insured Money Market CDs Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $0 - $99 0.00% 3.25% $100 - $24,999 0.005% 3.25% $25,000+ 0.005% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings Account 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. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Standard Business Membership Savings Account Rates Average Daily Balance APY* $100+ 0.005% $0 – $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top Association Savings Account Rates Average Daily Balance APY* $25,000+ 2.00% $0 – $24,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Back to top High-Rate Business Money Market Account Rates Average Daily Balance APY* $500,000+ 4.25% $200,000 – $499,999 4.00% $100,000 – $199,999 3.00% $0 – $99,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market 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. Searching for flexibility and earnings on your balance? Talk to us about opening a business money market account. Back to top Community Business Checking Account Rates Average Daily Balance APY* $50,000+ 1.00% - 3.00% $0 to $49,999 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking 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. Want to be part of a community that earns interest? Talk to a account manager about a community checking account. Back to top Community Business Savings Account Rates Average Daily Balance APY* $25,000+ 3.25% $0 - $24,999.99 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Are you a small or mid-sized business looking for a higher yield on your savings? Talk to a relationship manager about a community savings account. Back to top Business Money Market Account Rates Average Daily Balance APY* $500,000+ 1.00% $10,000 - $499,999 0.01% $100 - $9,999 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market 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. Searching for flexibility and earnings on your balance? Talk to us about opening a business money market account. Back to top

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

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

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