Liquidity that doesn’t make you sacrifice yield. Get high-yield savings with no requirements. AS SEEN ON INVESTOPEDIA Digital Advantage Savings: 4.40% APY* No monthly fees. No transaction requirements. Start earning now Open in minutes Fast, hassle-free online account opening. Federally insured NCUA insurance up to $250K per depositor. No hidden fees Keep more of what you earn without all the hoops. Join nationwide New members can join from anywhere in the U.S. Here's how the Digital Advantage Savings account works: Earn 4.40% APY* on balances up to $5,000 New members only; must open account online No monthly maintenance fees No transaction requirements Unlimited transfers and withdrawals Membership available nationwide through Vibrant Credit Union's Be The Good Foundation Federally insured by the NCUA Open an account "...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..." Larry Z. — Vibrant Credit Union Member "Very happy with your products. Your rates can't be beat..." Vicki M. — Vibrant Credit Union Member "Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..." Patsy B. — Vibrant Credit Union Member Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K MEMBER FAVORITE Preferred Savings Earn 4.00%* APY on balances Up to $15K Premier Checking Earn 3.75%* APY on balances Up to $25K Open an account High-yield savings account rates Average Daily Balance Digital Advantage Savings* Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* $1,000,000+ 0.01% - 4.40% 0.75% - 4.00% 3.00% 4.25% $250,000 - $999,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.75% $100,000 - $249,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.50% $25,000 - $99,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 0.50% $15,000 - $24,999 0.01% - 4.40% 0.75% - 4.00% 0.10% 0.50% $5,002 - $14,999 0.01% - 4.40% 4.00% 0.10% 0.50% $0 - $5,001 4.40% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage Savings is only available for new members and must be opened online. Preferred Savings and Digital Advantage Savings are tiered accounts; for these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings and one Digital Advantage Savings account per member. Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn more on your money? Open a savings account. Additional savings account rates Average Daily Balance Membership Savings Everyday Savings APY* APY* $10,000 - $14,999 0.005% 1.00% $100 - $9,999 0.005% 0.10% $0 - $99 0.00% 0.10% *APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Ready to earn more on your money? Open a savings account. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *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. 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. Earn up to 4.00% APY* on your checking Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes: No monthly fees or minimum balance requirements No direct deposit or debit card transaction requirements No withdrawal limits Free online & mobile banking with mobile check deposit Get started now It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . How old do I have to be to open an account? You'll need to be at least 18 years old to open a Digital Advantage Savings account online. If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone 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. Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . 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 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 $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . Can I open more than one Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $5,000. Explore some of our other products here .

Your Vibrant deposits are insured up to $250,000 per account holder. If you keep your IRA here as well, that deposit is separately insured up to $250,000. How we protect your money Security When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? Government protection The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Your retirement is covered IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Using more accounts for more coverage For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage.

Reserve and lending solutions built for COAs & HOAs Protect your reserves, access capital, and fulfill fiduciary responsibilities with confidence. Learn more Schedule a meeting Maximize earnings on reserves, access capital when you need it — all in one solution. Condo boards across Florida are facing new reserve requirements—and with them, greater responsibility to safeguard community funds. Vibrant’s reserve and lending solutions are built specifically for COAs and HOAs, 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. Fully insured funds Up to $15 million in federal deposit insurance* at no cost. Flexible line of credit Take advantage of multi-year terms with no monthly fees . Industry-leading rates Get access to our nationally recognized rates. No hidden requirements Open an account in minutes from anywhere. Enjoy extended insurance, without the hassle of multiple banking relationships. We make banking easier by promising: Simple account opening & full control of your funds Dedicated relationship manager who understands HOA needs Leadership steeped in community banking Get started "As someone who just bought a condo in Florida, I've seen firsthand how these new requirements are impacting boards. That's exactly why we built this solution—to make reserve funding safer, simpler, and smarter ." Nick Tarpein— Chief Financial Officer, Vibrant Credit Union “In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.” Paul S — President, KWBTS We have the answers to your rising complications. Challenge Solution Reserve requirements demand safety and security. Reserve studies might reveal underfunded reserves. Emergency repairs require fast access to capital. Boards need funds that are both insured and easily accessible. Fiduciary responsibility means safeguarding community funds while meeting board expectations. Our high-yield reserve account * is fully insured and backed by the full faith of the U.S. Government through NCUA coverage , ensuring both growth and protection. We offer quick and easy eligibility for lines of credit tailored for HOAs and Condos—no personal guarantees, draw fees, non-usage fees, or origination fees required. With 24/7 account visibility and control , you're always prepared. If bundled with a line of credit, you can draw instantly from your HELOC for immediate funding. Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety. Don’t sacrifice safety for accessibility—our insured money market account offers competitive yields with NCUA coverage up to $15MM, delivering the best of both worlds. Schedule time to talk with an expert Still not convinced? There's more to the story. Give your board the clarity and confidence they need. Our Due Diligence Packet lays it all out—why this matters, how it works, and exactly how Vibrant protects your reserve funds while delivering unmatched value. Learn more about our mission, goals and the fuel that drives us ahead here . Download the Due Diligence Packet It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions What is House Bill 913 and how does it affect my HOA? House Bill 913 introduces stricter reserve funding requirements for Florida condominium and cooperative associations. It mandates full funding of structural reserves and limits the ability to waive or reduce contributions. Vibrant’s reserve solutions are designed to maximize your return on the reserve funds you’re holding. How does Vibrant support our board’s fiduciary responsibility? Our insured money market accounts offer competitive returns while maintaining full liquidity and up to $15 million in NCUA-backed coverage . This ensures your board is acting in the best financial interest of the association—protecting funds, earning interest, and staying compliant with state laws. How much of our funds can be insured through Vibrant? Vibrant offers up to $15 million in NCUA-backed coverage at no cost to your association. This extended insurance helps protect your reserves without the need for multiple banking relationships. What kind of returns can we expect on our reserve funds? As a nationally recognized rate leader, you can always count on competitive returns. Our insured money market accounts deliver strong earnings potential with no added cost to you. Plus, we encourage you to ask about relationship-based pricing, cash incentives, and the added value of bundling with a line of credit—all designed to help you maximize your earnings and financial flexibility. Is there a minimum deposit or balance required to open or maintain the insured money market account? No, there’s no minimum deposit or balance requirement. While NCUA/FDIC insurance typically covers up to $250,000, our insured money market account* provides coverage for balances up to $15 million. Many members choose this account when their deposits exceed the standard insurance limit. Can we access our funds easily if needed? Yes, you’ll have full access and control over your funds. Liquidity is available either the same day or by the next business day. You can manage deposits and withdrawals through our secure online portal 24/7, and your Relationship Manager is also available to assist with any transaction requests. What makes Vibrant different from other financial institutions? We combine executive leadership experience, personalized service, and industry-leading rates with a deep understanding of HOA board responsibilities. Our streamlined account opening and due diligence packages make compliance simple and stress-free. Why is reserve planning important for our organization? Effective reserve planning ensures your community is financially prepared for future repairs and replacements. It protects property values, minimizes special assessments, and helps boards meet their legal obligations under Florida law. Does Vibrant offer a Line of Credit to help with reserve requirements and emergencies? Yes. Vibrant offers flexible Line of Credit options designed to support associations during unexpected expenses or while building up reserves. These solutions help boards meet immediate obligations without compromising long-term financial health. *Insurance provided through program credit union (subject to certain conditions). Federal deposit insurance refers to insurance through NCUA. $5 Membership Share account required. 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.

Vibrant is proud to be the official sponsor of the Quad City Strikers youth soccer organization. Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Add a Title Want to save money? Sign up to receive special offers from Vibrant plus VIP access to exclusive Strikers apparel and gear. Yes, I'm interested! Dear Strikers Family, Our ongoing partnership with the Strikers has been an amazing experience. From watching each team take the field for the first time in their Vibrant jerseys to cheering as they distinguished themselves in competition, it's been exciting to see these kids growing in skill and ability. We're proud to be a part of an organization where players learn to be their best on and off the field—and we’re excited for what comes next. Vibrant | #bevibrant Stay tuned for more great perks As the Strikers' corporate partner, we've worked with the organization to ensure players have access to trainers, indoor practice facilities, and great new jerseys. As the new season gets under way, we'll be pitching in to provide special try-out shirts, team photos, and unique gear for our hard-working coaches.

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

Get help managing your financial portfolio from Vibrant's own certified financial advisers. Make an appointment today. You can become a Vibrant member no matter where you work or live* We welcome all U.S. citizens and permanent residents. To get started, choose the category that describes you I'm already a member Hey there! Because you're already a member, you don't need to go through all the red tape to open an additional account. See for yourself how easy it is! Get started I live or work in Iowa Do you live in or work for a business in one of these eligible Iowa counties ? You automatically qualify for membership. Open an account I live or work in Illinois Do you live in or work for a business in one of these eligible Illinois counties ? You automatically qualify for membership. Open an account I live or work in Wisconsin Do you live in or work for a business in Grant , Green , or Lafayette County ? If so, you automatically qualify for membership. Open an account I want to be a part of the Be The Good Foundation. Become a Friend of Vibrant’s Be The Good Foundation. We’ll make a $5 donation on your behalf to support financial literacy, youth life skills, and strengthen communities through grants, volunteers, and partnerships. Open an account I live or work in Indiana Do you live in or work for a business in Fountain , Vermillion , or Warren County ? You're welcome to join. Open an account I'm a member of an association that Vibrant partners with Are you a member of one of these eligible associations ? Not sure if this applies to you? Get in touch and we'll check to see if you qualify! Open an account I want to join the Illinois Consumer Council The Illinois Consumer Council (ILCC) is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers—and its members are automatically qualified for Vibrant membership, too. Open an account I'm not sure! Help! There are other ways to qualify for membership. Contact us at 1-800-323-5109 to discuss your eligibility or apply for membership online. Get started * Pursuant to Vibrant’s current eligibility requirements, which may include Field of Membership and internal policies.

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 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal 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. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

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

Why there are two numbers (and what they actually mean) APY vs. Dividend Rate Why there are two numbers (and what they actually mean) If you’ve ever looked at a savings account and thought, “Wait… why are there two different rates?” — you’re not alone. APY. Interest rate. Dividend rate. It can feel like we’re all speaking slightly different versions of the same language. The good news? It’s actually way simpler than it sounds. Are these actually different things? Not really. Interest rate is the term most banks use. Dividend rate is what credit unions use (because you’re earning a share of earnings as a member) Functionally, they’re the same thing: the base rate your money earns So what’s going on with the two numbers? It comes down to this: Dividend rate (or interest rate) = the base percentage your money earns APY (Annual Percentage Yield) = what you actually earn after compounding kicks in Let’s simplify Dividend Rate This is the starting point. It’s the rate used to calculate your interest. A simple snapshot of what your balance earns before anything has time to build. APY This is the real outcome over a year. Because in real life, your interest doesn’t just sit there—it gets added to your balance, and then it starts earning too. That’s compounding. In simple terms: APY shows your money growing on top of itself. It’s like this... Think of it like your paycheck: Dividend rate = your hourly wage APY = your full paycheck after overtime Your hourly wage tells you where you start. Your paycheck shows what you actually take home after everything adds up. What that looks like in our accounts When we say you can earn 4.00% APY*, we’re talking about the full picture— what your money can earn over the course of a year as it compounds. But every story has a starting point. We start with the dividend rate because it’s the rate used to calculate your interest in the first place. Remember, think of the dividend rate as a snapshot . APY is the full story —after your money has had time to build, stack, and grow on itself. The short version Two numbers. One story. The dividend rate tells you where your earnings begin. The APY shows where they can go over time And honestly? We can show you how your money starts growing. But the best part? That’s just page one. Previous Item Next Item

Longer Terms. More Buying Power. Get exclusive Manitou & Gehl financing with the only 10-year subsidized loan in the industry. See the rates Email us to get started 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 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal 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. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Low Rate Offers Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Manitou & Gehl'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 Manitou & Gehl 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

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

Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Flexible terms 5-, 10-, or 15-year repayment terms One-time lump sum Receive the full loan amount upfront, making it ideal for large expenses No prepayment penalties Enjoy the freedom to pay off your loan early without additional fees Today's rates Local knowledge Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Affordable rates & fees There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Education & guidance Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Fast, convenient closings Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Put your home to work Tap into your home's equity to cover life’s big plans—or the unexpected ones. Get started Talk to Mortgage Center Ready to unlock your home's potential? Say hello to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream home — and offering home equity loans to help them make the most of it. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years, have found your forever home, or want to tap into your equity for renovations, debt consolidation, or more. Get started