New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of July 29, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier 740+ 700–739 660–699 36 months 5.99% 6.99% 9.99% 48 months 5.99% 6.99% 9.99% 60 months 5.99% 6.99% 9.99% 72 months 5.99% 6.99% 9.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

It's the "secret sauce" for making the most of your money. How Compound Interest and High-Yield Accounts Actually Work Together It's the "secret sauce" for making the most of your money. Compound interest gets talked about like it only works if you leave your money alone and don’t touch it for a long while. High‑yield accounts sometimes get framed the same way — great returns, as long as you behave just right. That’s not how it has to work. Compound interest doesn’t care how busy your life is or how often you use your money. High‑yield accounts don’t need hoops, fine print, or special tricks to be effective. When the setup is simple, your money can grow whether you use your account every day, let funds sit for a bit, or do a mix of both. Let’s break down how compound interest and high‑yield accounts actually work together — in real life, not theory. What Compound Interest Actually Does At its most basic, compound interest means you earn interest on your balance, and then the next time interest is calculated, it’s based on a slightly bigger number (because it includes the interest you just earned ). That’s it. No drama. At first, that growth is subtle. Almost underwhelming. Over time, those small additions start stacking on top of each other. That’s where momentum comes from. The key thing to understand is that compound interest works continuously. It doesn’t pause because you paid a bill. It doesn’t reset because you used your debit card. It simply responds to the balance that’s there during each compounding period. Why High ‑Yield Accounts Matter in That Equation A high‑yield account just means your balance earns interest at a higher rate than traditional options. When rates are higher, each compounding cycle has more to work with. That doesn’t turn savings into magic, but it does mean progress happens more efficiently. The important part is that earning more interest doesn’t have to come at the expense of access or flexibility. High yields don’t need to be reserved only for money that never moves. When accounts are built for everyday use, growth and usability can coexist. You shouldn’t have to pick one or the other. Growth Doesn’t Require “Perfect” Behavior A lot of financial advice quietly suggests you need ideal habits for your money to grow — perfect timing, perfect discipline, perfect restraint. Real life rarely works that way. Compound interest doesn’t require perfection. It rewards consistency. Money can move in and out . Expenses happen. Plans change. As long as funds remain in the account over time, interest keeps doing its thing. That’s what makes this approach sustainable. You don’t need to rearrange your life around your account. The account should support how you already bank. Using One Account (Instead of Managing a System) Some people use high‑yield accounts as their everyday checking and savings. Others treat them as a place to grow extra funds alongside other financial relationships. Both approaches work. What matters isn’t how you label the account — it’s that the account continues earning while your life moves forward. Whether money flows through it daily or sits there building quietly, compound interest doesn’t lose interest in either scenario. The simplicity is the point. Why Time Still Matters (Just Not in a Stressful Way) Yes, compound interest does benefit from time, but that doesn’t mean timing every decision matters. You don’t need to catch the perfect moment or constantly adjust balances to “make it work.” Starting, staying consistent, and letting time pass do far more heavy lifting than fine‑tuning ever will. When systems are easy to live with, people are more likely to stick with them. That consistency is what turns small gains into meaningful progress. The Takeaway Compound interest works best when it’s allowed to run quietly in the background. A high‑yield account simply gives that process a stronger foundation — without asking you to jump through hoops or change how you bank. Whether you’re using the account daily or letting funds accumulate over time, growth doesn’t need conditions attached to it. Sometimes the smartest financial decision is choosing something that works whether you’re paying close attention or not. Previous Item Next Item

Earn great rates on checking and savings when you choose Vibrant Credit Union for community business banking. No monthly fees or transaction limits. Supporting your mission one account at a time. Get started Built by people like you for businesses like yours. 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. Small businesses Sports teams Not-for-profits Think your bank can beat our rates ? Community Checking 3.00% APY* Community Savings 3.25% APY* *APY = "Annual Percentage Yield." APYs accurate as of August 12, 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. Your time is important so we make it easy. Get industry-leading interest rates No monthly fees or transaction limits 24/7 mobile account management Experienced support team Supporting communities everywhere “Working with Vibrant Credit Union has always been easy and rewarding.” Pam Lynch, GiGi’s Playhouse Site Director Supporting communities everywhere “It’s reassuring to know that there are real, local people ready to help whenever we need it.” Kathryn Kunkel, QC Strikers Club President 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 August 12, 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 Simplified solutions for your every need. Maximize your funds while keeping banking simple, secure, and built for your needs. It’s time to make your money work harder for your mission. 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 August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking 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. 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. Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $100+ 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business 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. 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. Ready to get started? Let’s partner up together. Open an account

Simplified banking for your growing business. Spend less time managing accounts and more time growing your business. Enjoy hassle-free solutions tailored to your small business needs, allowing you to bank smarter, faster, and easier. It’s banking designed with your busy schedule and your peace of mind at heart. Stress-free looks good on you! Checking Savings Big interest rates for your small business. Get started Think your bank can beat our rates ? Checking 3.00% APY* Savings 3.25% APY* *APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Community Checking is a tiered account. For this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Balances less than $50,000 earn 3.00% APY. Balances greater than $49,999.99 earn between 1.00%-3.00% APY. Focus on your business and we'll take care of the rest. Get industry-leading interest rates No hidden fees or transaction limits 24/7 mobile account management Experienced support team Still don’t believe us? Here’s how those numbers could stack up for you. $25,000 savings account size x 3.25% APY* = $811.84 earnings per year *APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only for what a Community Savings account could earn after a year assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information. Our current product offerings: Open a checking account now Community Checking 3.00% APY* Open a checking account Community Savings 3.25% APY* Open a savings account Here's what you get when you bank with Vibrant. Earn interest with market-leading rates Free online banking with mobile depositing ACH payments enabled (bills & payroll) Includes debit card Write unlimited checks Dividends paid monthly Federally insured by NCUA No monthly service fees No transfer/withdrawal limits No minimum balance requirements No check clearing limits or transaction limits Gain membership access to our nationally-ranked CD rates Flexible credit card options Insured Money Market Accounts for balances up to $15M Relevant resources we've found for you. Forget Google—we've dug through the internet ourselves to find resources that can be helpful to new and experienced small business owners. Choosing a business structure Do you need to start an LLC for your business? Forming pricing strategies How do you decide what to charge your customers? Expanding your team When's the right time to hire employees? Who can open an account? Any small business that is legally formed and operates in the United States can open an account. You’ll need to provide your legal business name, legal address, business tax ID number, and the date your business was established. All of your account representatives—that is, the people who are authorized to conduct transactions—must be at least 18 years old and reside in the U.S., either as citizens or permanent resident aliens. How do I get a business tax ID number? You can apply for an Employer Identification Number through the IRS—even if you don't have employees. When you apply online, you can receive your EIN immediately after completing the application. Get an EIN » What do I need to open an account besides a business tax ID number? That depends on the structure of your organization—whether you’re a sole proprietor, a partnership, or a corporation. You’ll need to provide documentation that confirms your ownership structure, such as articles of incorporation or ownership agreements. You’ll also need to provide information on all beneficial owners (that’s anyone who owns at least 25% of the business). Each of your account representatives will also need to provide a copy of their government-issued ID. Don’t worry—these can be submitted as digital photos. Are there any types of business you don't work with? Vibrant specializes in working with small businesses. Talk with one of our community relationship managers about your banking needs, and we'll help you find the BEST account for you. How much money will I need to deposit? To join Vibrant, all organizations must open a Business Membership Savings Account with a $5 deposit. Our checking and savings accounts have no minimum opening balance. For detailed information on our business rates and service charges, please refer to our rates page . More questions? We have answers. Ready to get started? Let’s partner up together. Open an account

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

New to Wacker Neuson Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of July 29, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier 740+ 700–739 660–699 36 months 5.99% 6.99% 9.99% 48 months 5.99% 6.99% 9.99% 60 months 5.99% 6.99% 9.99% 72 months 5.99% 6.99% 9.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Wacker Neuson'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 Wacker Neuson to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

Finance your new or used vehicle with competitive rates through Vibrant Credit Union’s trusted dealership network. Fast, easy, and convenient auto loans to get you on the road. One Stop for Your Vehicle and Your Loan Enjoy a simple, streamlined financing experience — all handled right at the dealership. Find a dealership GetMyCash How it works Financing your next vehicle through Vibrant is simple, fast, and designed to keep everything in one place. Here’s what to expect: Visit a participating dealer— Head to one of our trusted dealerships (see list of dealerships ). Find your vehicle— Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot. Apply and get approved at the dealership— Complete your financing application right there with the dealer — no extra trips or paperwork. Drive away the same day— Once approved, you can take the keys and hit the road immediately. Manage your loan with ease— Track payments, view your balance, and stay on top of your loan anytime through your Vibrant online account or mobile app. Find a dealership We're proud to partner with some of the best dealerships in the region Kunes CDJR Belvidere 1615 N State St. Belvidere, IL 61008 McGrath Chevy CR 1600 51st St. Cedar Rapids, IA 52402 Yemm Chevy 2195 N. Henderson St Galesburg, IL 61401 Interested in becoming a dealer? Join a growing network of dealerships partnering with Vibrant to deliver simple, competitive vehicle financing—right at the dealership, with the support and speed your team expects. Learn more Competitive rates designed to fit your budget Convenient on-site financing apply and get approved at the dealership Money in your account fast with same-day funding available Fast, easy process no extra steps, just a smooth path to your next ride Manage your loan anytime directly through your Vibrant account and mobile app Managing your vehicle loan Buying a vehicle is exciting, but there are a few important things to keep in mind after you drive off the lot: Submit proof of insurance While you're paying off your Vibrant loan, the financed vehicle must maintain full coverage insurance. Send us the declarations page from your insurance provider—visit www.myinsuranceinfo.com or c all 800-523-6404. Questions about y our vehicle title Vibrant holds your vehicle title until the loan is paid in full. If you have questions about title status, our team can help guide you through the process. Optional Vehicle Protection Products If you need to cancel ancillary product—such as extended warranties, GAP coverage, or service contracts—contact the dealership or product provider where the coverage was purchased. If you're unsure who to contact, our team can help point you in the right direction. Find a dealership Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes! You can check your balance, make payments, and set up recurring payments online through our Loan Payment Portal. You can also make payments and view your other Vibrant accounts through Vibrant Online Banking. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Click here for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my vehicle? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. Early Pay Off What products may be affected when I pay off my loan early? If any of the following products were financed into your vehicle loan, they may be eligible for a refund of unused premiums upon early payoff: GAP Insurance Credit Life/Disability Insurance Vehicle Service Contracts (VSCs) These products were sold through the dealership at the time of your vehicle purchase and financed as part of your loan. Contact us if you are unsure which products are attached to your account. What will Vibrant Credit Union handle for me? Vibrant Credit Union will promptly initiate cancellation on your behalf for GAP Insurance and Credit Life/Disability Insurance . You do not need to contact those providers directly. If you have questions about the status of a refund for these products, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org . Do I need to do anything myself? Yes, for Vehicle Service Contracts (VSCs) you will need to contact the provider directly to request cancellation and any applicable refund. We recommend reaching out as soon as possible, as refund eligibility may be subject to deadlines set by each provider. Before you call, have the following ready: Your loan account number Vehicle Identification Number (VIN) Loan payoff confirmation Please note : Cancellation of these products is entirely optional. If your Vehicle Service Contract still provides value for your vehicle, you are under no obligation to cancel. The decision to retain or cancel coverage is a personal one based on your individual needs and circumstances. We encourage you to review your coverage terms before making any changes. Where will my refund go? For products cancelled by Vibrant Credit Union, any refund received will be credited to your eligible Vibrant account. If you do not have an active account with us at the time the refund is received, a check will be mailed to the address on file. For products you cancel directly with the provider, the refund destination will be determined by the provider's process. How long does the refund process take? Vibrant Credit Union will initiate cancellations promptly upon receiving your payoff confirmation. The timeline for receiving a refund depends on the individual product provider's processing schedule, which is outside of our control. If you have questions about the status of a refund, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org . I closed my Vibrant account when I paid off my loan. How will I receive my refund? If you do not have an active Vibrant account at the time a refund is received on your behalf, we will mail a check to the address on file. Please make sure your mailing address is current. You can update your address by contacting our Loan Operations Department at (800) 323-5109, by email at indirectcancellations@vibrantcu.org , or visiting vibrantcreditunion.org . Who do I contact if I have more questions? Our Loan Operations Department is happy to help. Reach us by phone at (800) 323-5109, by email at indirectcancellations@vibrantcu.org , or visit vibrantcreditunion.org for additional resources.

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. 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. Understanding your escrow analysis 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 mortgage 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.

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And When It Makes Sense to Use It How Mobile Check Deposit Works And When It Makes Sense to Use It Mobile check deposit is one of those features that feels almost too easy. Snap a photo. Submit. Done. For most people, it’s become second nature. But because it’s so simple, it’s easy to forget there’s a process behind it — and a few situations where slowing down is actually helpful. Understanding how mobile deposit works (and when it’s the right choice) makes it easier to use confidently, without second‑guessing or overthinking it. What’s Actually Happening When You Deposit a Check by Phone When you deposit a check through an app , the check isn’t magically disappearing into the system. The images you submit are reviewed, verified, and processed through the same banking networks as a physical check. The difference is convenience, not legitimacy. Mobile deposit replaces: A trip to a branch or ATM Manual handling of the check Waiting in line with a digital version of the same process. That’s why it works best when expectations are set correctly from the start. Why Mobile Deposits Aren’t Always Instant One of the most common questions around mobile deposit is timing. Sometimes funds appear quickly. Other times, there’s a short delay. That variation isn’t random — it’s part of how checks are verified. A few things can affect timing: The check amount Whether the check matches typical deposit patterns Image clarity Timing of the deposit This doesn’t mean something is wrong. It usually means the system is doing its job in the background. If you’re depositing a routine check that looks like past activity, things often move quickly. When something looks different, the review process can take a bit longer. When Mobile Deposit Is a Great Fit Mobile check deposit shines in everyday situations. It’s especially useful when: You receive checks occasionally You don’t want to rearrange your day around a deposit The amount fits comfortably within typical deposit patterns In these cases, mobile deposit removes friction without adding complexity. You do the same thing you would have done in person — just from wherever you are. For most people, this covers the majority of use cases. When It’s Worth Pausing for a Moment Mobile deposit is convenient, but it doesn’t have to be the answer every single time. It’s worth slowing down if: The check amount is significantly larger than usual The check comes from an unfamiliar source You need immediate certainty around availability In those situations, giving the deposit a little extra attention can save frustration later. That might mean double‑checking details, making sure images are clear, or choosing a different deposit method if timing matters. This isn’t about avoiding mobile deposit — it’s about matching the tool to the situation. Simple Practices That Prevent Common Issues Most mobile deposit issues aren’t technical. They’re visual or procedural. A few habits make a big difference: Endorse checks correctly Place checks on a flat, dark surface when photographing Make sure all corners are visible Store the physical check safely until the deposit fully processes Taking an extra moment here reduces delays and prevents follow‑up steps later. The goal is fewer surprises, not faster taps. Why This Feature Fits Real ‑Life Banking Mobile deposit works best when it fades into the background. You’re not supposed to think about it often. You’re just supposed to trust that when you need it, it works — without adding rules, extra steps, or stress. When financial tools are designed this way, they don’t change how you live your life. They just remove unnecessary obstacles. That’s exactly what mobile check deposit is meant to do. On Last Thought Mobile deposit isn’t about speeding everything up. It’s about making everyday tasks easier. When you understand what’s happening behind the scenes and use the feature intentionally, it becomes a reliable option instead of a guessing game. Convenience works best when it’s paired with clarity. Luckily, you don’t need to choose one over the other. Previous Item Next Item

According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Previous Item Next Item