Learn how my interest is calculated Premier Checking: 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 approximately 31 cents in interest at the end of the month. Interest dividends are paid to your account at the end of every month. On our Savings Accounts , interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of, say, $104.35 in a Preferred Savings account, you'll earn 4.00% APY on that amount. Previous Item Next Item

Get help planning for retirement with one of our certified financial advisors. Find out how to get started. Make retirement planning less taxing Increase your financial flexibility by opening an IRA. Contact an advisor How a traditional IRA works Make retirement planning less taxing Increase your financial flexibility by opening an IRA Contact an advisor Choose the type of account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution As of 2023, you can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit. Invest as little as $5 and for as short a period as 3 months. See rates

Welcome, Modern Woodmen of America! Check out these helpful videos to get started with your Chapter account. Desktop How to log in for the first time Navigating online banking Ordering checks Getting Started with Your Vibrant Chapter Account Mobile How to log in for the first time Navigating online banking How to make a mobile deposit 5 tips for making mobile deposit easier Navigating online banking

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Get in touch with us any time via phone, email, or secure messaging through the Vibrant mobile app. Need to get in touch? Current Vibrant members Send a secure message through your online banking app. We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, and 8:30 a.m. to noon on Saturday). New to Vibrant? Get started with an online application or schedule an in-person meeting. Become a new member Email us at hello@vibrantcu.org with any other questions FAQ I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report your debit card lost or stolen and it's after our regular business hours , please call 1-800-379-6724 to prevent unauthorized charges. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109 . What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. For after hours support on your debit card, please call 1-800-379-6724 to prevent unauthorized charges. FAQ Send us a message Have an issue that involves personal or sensitive info? For your security, we can’t handle those types of requests over email—things like account problems, login troubles, or personal detail updates. Instead, reach out through the secure messaging option in online banking or give us a call. We’ll make sure you’re taken care of safely. *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.

Learn about Vibrant HQ, Vibrant's corporate headquarters in Moline, Illinois. Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Add a Title Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Behind the Pinwheel Your one stop for everything Vibrant. Banking Check out our ITMs, where you can speak face-to-face with a teller, or come into a branch for help opening a new account, applying for a loan, and getting assistance with your existing account. Corporate offices It’s where to go for job interviews and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! A great place to work If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. Meet our state-of-the-art ITMs Our new all-digital branch at Vibrant HQ is the first to feature interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Working at Vibrant HQ Get a sneak peek inside our workspaces! Here are a few highlights. Three types of workspace—offices, pods, and cubicles Adjustable-height desks with laptop docking stations and dual monitors Locking personal storage cupboards State-of-the-art conference rooms for video conferences, presentations, and training Casual, comfy seating throughout the building-bring your laptop! Scooters you can ride to meetings throughout the building (just remember to ding the bell as you're rounding corners) Frequently asked questions How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday and 8:30 a.m. to 12 p.m. CT on Saturday. FAQs

When life happens, our life event loan can help. Get cash in minutes—no credit check required. Real-time cash when you need it most—no credit check required. Apply now GetMyCash When life happens, our life-event loan can help. Unexpected expenses don’t wait and now you don’t have to, either. That’s why we created GetMyCash, a quick and easy small-dollar loan solution designed for moments when your budget needs a quick boost. Whether it’s a car repair, medical bill, job loss or just too much month left at the end of your money, GetMyCash helps you handle life’s curveballs—without the stress of high-interest payday lenders. Apply now The best part? Your good standing with Vibrant is enough. You don’t need perfect credit—just a good history with us. We are here to help you thrive and support your financial well-being. No credit check required Apply here instantly.* Select your loan amount & terms Get approved in minutes. Money in your account fast Often in 60 seconds or less. 100% online & hassle-free No jumping through hoops. Build your credit Repay loans on time to build good credit. *A $25 processing fee will be charged to the applicant upfront (when ‘Apply’ is clicked). Real help in real-time. 65% of Americans live paycheck to paycheck, and nearly 40% would struggle to cover a $400 emergency. That’s why we made GetMyCash—to help you bridge the gap without digging a deeper hole. Frequently asked questions How much can I borrow? Up to $1,500. How long do I have to repay the loan? Up to 12 months. When can I apply and how fast can I get funds? GetMyCash is available 24/7/365. And the money is often deposited in 60 seconds or less. What do I need to apply online? Please have your member number and zip code ready to authenticate yourself. Will you need to pull my credit? Nope. No credit check is required. Is there an application fee? Yes, an upfront fee of $25 will be charged once you click ‘Apply.’ Can non-members apply? No, this service is exclusively for Vibrant members with 6 months of history with us and a minimum balance of $25. Become a member here. Ready to get started? Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t. Apply now

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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.

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Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Previous Item Next Item

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