Stretch your budget with Skip-a-Pay. You can skip up to two personal, auto, or equipment loan payments per year and pay no fees until the end of your loan term. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Apply now *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. A Vibrant employee may follow up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive in your junk/spam folder. Processing time may take 1–2 business days. This payment skip will extend the final maturity date of your loan by one (1) month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non-real estate loan is allowed a maximum of two (2) skipped payments per 12-month period and are limited to six (6) total for the life of the loan. There must be one full payment made between skips. Loan Program loans are eligible for one (1) skip per 12-month period, after at least one initial payment on the loan has been made and are limited to three (3) for the life of the loan. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss. When you Skip-a-Pay, you pay absolutely nothing now: Your skipped payment is added to the end of your current term Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* How it works Anyone with a Vibrant auto, personal, or Loan Program (equipment) loan can apply if: Your balance is current Auto and personal loans: It’s been more than one payment cycle since you last used Skip-a-Pay, you have fewer than two (2) skips in the last calendar year, and you've skipped fewer than 6 payments total Loan Program Consumer (equipment loans): You've made at least 1 loan payment, you haven't requested a skip in the previous 12 months, and you've skipped fewer than 3 payments total GetMyCash loans are not eligible for Skip a Pay. Who can apply? To apply, all you need is your account number and current balance: Check your inbox for confirmation and a form from DocuSign to agree to the Skip-A-Payment terms If you use autopay, make sure to adjust any scheduled payments What to expect

Savings with up to $5M* in protection. Maximize NCUA insurance coverage while earning competitve returns-automatically. Are your reserves fully insured? Keep every dollar safe, accessible, and working for you — all in one account. Open an account Schedule a meeting Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. A safer way to protect & access your funds. Traditional banks insure only up to $250,000 per account, leaving many organizations with uncovered funds. Vibrant’s Insured Money Market Account with Extended Share Insurance gives you expanded NCUA-backed protection — without the burden of opening multiple accounts across multiple institutions. Your funds stay in one secure, consolidated account, while our auto-sweep network works behind the scenes to maximize insurance coverage. No extra accounts, no additional paperwork, and no managing multiple statements. Whether you’re managing operating reserves, capital planning, or savings for future growth, this account delivers the safety, liquidity, and simplicity you need. Fully Insured Coverage Extend your protection will beyond standard limits with up to $15 million in fully insured deposits.* Full Liquidity of Funds Access your reserves any time (before the daily cutoff) without penalties, restrictions, or waiting periods. Competitive Earnings Earn strong, market-leading rates while keeping every dollar insured — no need to sacrifice safety for growth. One Account, One Statement No more managing multiple bank relationships; your entire balance rolls into one clean, consolidated view. No Hidden Fees — Ever Enjoy the benefits of this account without hidden fees, draw fees, or usage requirements. Designed for people and organizations that need safety, clarity, and control. This account supports anyone managing reserves above standard insurance limits — without the complexity of juggling multiple financial institutions. Faith-Based Organizations HOAs & COAs Small & Mid-Sized Businesses Schools & Educational Institutions Nonprofits & Community Organizations Municipalities & Public Agencies Foundations & Trusts High-Balance Individuals Get started Why organizations choose extended insurance and why traditional banks fall short. Many organizations unknowingly hold reserves that exceed standard insurance limits — leaving some funds exposed. Others struggle with liquidity, costly fees, or slow access to capital when needs arise. Here’s how Vibrant solves those challenges with one streamlined account. Challenge Solution Large reserves over $250,000 may exceed standard insurance limits—leaving some funds uncovered. Emergency repairs or other expenses require fast access to your funds. Unexpected building repairs or urgent expenses require more capital than you have. Transparency is needed for seasonal cash flow and fluctuating profits, donations, tuition, or offerings. High-yield accounts can be risky, restrictive, or come with hidden fees, putting your reserves at risk or limiting access. You want a financial partner who shares your values and supports your mission. Our high-yield reserve account* is fully insured and backed by the full faith of the U.S. Government through NCUA coverage , keeping your funds secure and accessible. Our insured money market account is fully liquid , giving you same-day access to funds (prior to cutoff time) without compromising safety. We offer quick, easy eligibility for lines of credit tailored to your organization with no personal guarantees, draw fees, non-usage fees, or origination fees. With 24/7 account visibility and access , you're always prepared. If bundled with a line of credit, you can draw instantly for immediate funding. With no hidden fees and full access to your funds, you can earn competitive interest rates to grow your reserves with no risks involved. Vibrant is a partner investing in your mission and the community through our Be the Good Foundation . Schedule time to talk with an expert Expanded coverage without the extra effort. Our Insured Money Market account uses an auto-sweep system to maximize your insurance while keeping your experience simple. When your balance exceeds a set threshold, excess funds automatically sweep into our network of partner credit unions — each covered by the NCUA. You still see one balance, one account, and one statement . We handle the rest behind the scenes. Open an account "We invest back into communities and help organizations like yours thrive. By partnering with us, you’re choosing a financial institution that cares about purpose — not just profit." Nick Tarpein — Chief Financial Officer, Vibrant Credit Union "I've had a great experience with Vibrant. The representative I work with is most helpful and goes above and beyond to make sure all details of my account are clear and accessible." Regena C — Vibrant Member “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 “Vibrant combines deep knowledge with a friendly, no-rush approach that immediately puts you at ease... I’ve rarely seen this level of thoughtful and proactive service.” Dmitry F — Vibrant Member More than insurance — a financial partner you can trust. Vibrant is a modern credit union built on relationships, transparency, and community impact. We believe managing large balances shouldn’t require complex structures or multiple banking relationships. Instead, we offer a safe, streamlined experience backed by: Dedicated relationship managers who understand your financial goals. Member-first philosophy , not driven by shareholders. Proven track record supporting nonprofits, businesses, ministries, schools, and community institutions. Award-winning deposit products — named a Best In Deposit Rates winner by The Wall Street Journal’s Buy Side. When you work with Vibrant, you're not just getting expanded coverage — you’re gaining a partner invested in your long-term stability. Learn more about us Frequently asked questions How do I open an account? Opening an Extended Insurance Account with Vibrant is simple and hassle-free. Just reach out to your account manager at 309-326-3128 or email us at relationshipmgrs@vibrantcu.org to get started. In most cases, our efficient process allows your account to be opened and funded the same day . What is ModernFi? ModernFi is a network of credit unions that Vibrant Credit Union has joined to help better protect your balances by distributing funds across partner credit unions to offer extended NCUA share insurance. How does the Extended Insurance Account work? Suppose you have $1 million that you want to safeguard and earn interest on. You can achieve this by depositing the full amount with Vibrant Credit Union through an Extended Insurance Account. The money is then distributed into smaller portions and placed in demand deposit accounts at various credit unions within the network. The first $250,000 will be allocated to Vibrant Credit Union, another $250,000 to Credit Union 2, an additional $250,000 to Credit Union 3, and the remaining $250,000 to Credit Union 4. All of these credit unions are partnered with the ModernFi Network. This allocation helps ensure that each dollar is covered by NCUA share insurance, in an amount up to the maximum of $250,000 per share owner per credit union. Using these Extended Insurance Accounts eliminate the need to keep track of multiple accounts at various credit unions. All of your deposits and activity across your allocated credit unions are consolidated into one statement. Additionally, the Extended Insurance Account interest rate is competitive, making it a compelling choice for individuals and businesses with substantial cash reserves. Who maintains my Extended Insurance Account? You control the account just like a regular transaction account. You can deposit, withdraw, or transfer funds at any time through a dedicated Member Portal. Vibrant Credit Union and ModernFi manage and oversee your allocation, ensuring funds are distributed to demand deposit accounts within the network. How secure is the Extended Insurance Account? Extended Insurance Accounts offer a high degree of security for your deposits, utilizing NCUA insurance to safeguard funds up to $250,000 per member at each participating credit union. This protection extends even in the event of a participating credit union’s failure, ensuring the continued safety of your deposits. Since the inception of the National Credit Union Share Insurance Fund in 1970, no member has lost NCUA-insured funds due to a credit union's failure. All accounts at NCUA-insured credit unions are covered on a dollar-for-dollar basis, encompassing principal plus any interest accrued. In the unlikely event a credit union fails, the NCUA assumes the responsibility of closing the credit union, receives its assets, and settles all deposit claims. Vibrant Credit Union works with ModernFi to file all required materials with the NCUA to coordinate the receipt of your funds from the failed institution. Payment starts within a few business days after the credit union closure. For more information on NCUA insurance, please visit here. What qualifies a credit union’s eligibility to join ModernFi’s network? ModernFi partners with credit unions in good standing with regulators and compliant with all Anti-Money Laundering and Know Your Customer requirements. ModernFi only places deposits at US-based NCUA-insured credit unions that are monitored by a U.S. federal or state governmental agency responsible for the supervision of financial institutions. Vibrant Credit Union maintains complete control over the credit unions that can receive your funds. Furthermore, you and Vibrant Credit Union always have full transparency into the allocation of your funds. How do I open an Extended Insurance Account? Opening an Extended Insurance Account is quick and easy with Vibrant Credit Union. Simply contact your relationship manager or visit your nearest branch to open an account and start taking advantage of the benefits offered by the Extended Insurance Account. After account opening, you will gain access to the “Member Portal” to view details on your Extended Insurance Account. You can view statements and your allocations throughout the network at any time, so you always know your money is safe with credit unions you know and trust. *Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.

Download our app For Apple Users On your iPhone or iPad, open the App Store app. In the bottom search bar, type Vibrant Credit Union. Tap the "Get" button Confirm the installation with your side button and double tap to install. Use your online banking credentials to sign in. Not signed up yet? Get started here . From Google Play Open Google Play.On your device, use the Play Store app On your computer, go to play.google.com . Search for "Vibrant Credit Union" Tap Install Previous Item Next Item

One of the best perks of being a Vibrant member is the instant discount at Vibrant Coffeehouse + Kitchen when you pay with your Vibrant Card. Get the card that comes with your favorite perk Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Become a member Add a Title Become a member Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Get the card that comes with your favorite perk Pick a card, any card Vibrant Debit Mastercard We'll never charge you monthly maintenance fees on your checking account. Open an account > FAQ Do I need to be a Vibrant member to get a card? Yes, but it's easy to join Vibrant. Open a savings account with just $5! Can I use my discount to buy Vibrant apparel or gift items? The current offer is limited to food and beverage items, but stay tuned! We’ll keep you updated about future promotions. FAQ

Got questions about your Vibrant account? This is a good place to start. Find out deposit times, our mailing address, and more. Most(!) frequently asked questions Who can become a Vibrant member? Click here to learn more! What is my Vibrant routing number? 271183646 You'll also find it in the footer of every page of this website! How do I reset my online banking password? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? Some Vibrant branches do have a licensed notary among their staff, but unfortunately, it’s not a service we can guarantee will be available at all hours or at every location. If you do bring a document to be notarized at one of our branches, you will also need to bring someone with you to witness the document, as Vibrant employees cannot serve in that capacity. If we’re not able to help, notary services are also frequently available at public libraries, post offices, and other government buildings. How do I order checks? The easiest way is through online banking! From your browser: Log in , then go to TOOLS and select CHECK ORDERS. From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) How do I get a replacement debit card? To order a new card, please give us a call at 800.323.5109 or send us a message through online banking. An agent will place an order for your new card and it will arrive in 7–10 business days. Where can I cash in coins? Vibrant has a coin machine available to Vibrant members at our Moline branch near SouthPark Mall. Please visit the lobby to access the coin machine (going through the drive-thru is a good way to get your coins stuck in our tube!). When will my deposit appear in my account? If you make a deposit at a branch , it will appear in your account immediately unless there is a hold on the deposit. If you make a deposit at a Vibrant ATM , the first $275 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit. If you make a deposit through the mobile app , your deposit should appear in your account by the times listed below: Monday through Friday (all times are CT) Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. What are Vibrant's current rates? We publish rates for all our products on this website. What is Vibrant's mailing address? Send all correspondence to: Vibrant P.O. Box 1550 Moline IL 61266-1550 Deposits Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? Send us a secure message via your online bank account or call us at 1-800-323-5109. Make sure you have the beneficiary's full name, mailing address, date of birth, and Social Security Number. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Vibrant offers trust accounts for revokable trusts. If you'd like to set up an account, send us a secure message via your online bank account or call us at 1-800-323-5109. How do I close my account? What happens to my personal information when I do? Follow these step-by-step instructions on closing your Vibrant account(s) . See our privacy policy for details on how we handle personal information on active accounts and on closed accounts. ACH transfers & payments Online & mobile banking Loans Fraud Branches What are Vibrant's hours? Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays . Our branches are open from 8:30 a.m. to 5 p.m. CT Mondays through Fridays, and 8:30 a.m. to 12 p.m. CT on Saturday, excluding most federal holidays . Where are your branches located? Use this map to find the credit union or Coffeehouse branch nearest you. Deposits How do I deposit a check? There are three ways to deposit a check: at a Vibrant branch, at Vibrant ATMs located at our Moline (SouthPark and Vibrant HQ ) branches, or via the Vibrant mobile app. Download the mobile app for Android or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit at Vibrant Credit Union.” Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. How should I endorse a check I'm depositing via mobile deposit? When you endorse a check for mobile deposit, write the words "For Mobile Deposit at Vibrant Credit Union" above your signature. When will funds from my mobile deposit appear in my account? Deposit Approved Posted to Account 12 a.m. CT – 10 a.m. CT 12:15 p.m. CT 10:01 a.m. CT – 1 p.m. CT 2: 15 p.m. CT 1:01 p.m. CT – 4 p.m. CT 6:15 p.m. CT 4:01 p.m. CT – 11:59 p.m. CT 12:15 p.m. CT on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting. My mobile deposit was denied—what’s the reason? If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial. It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also, make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. Make sure all payees have endorsed the check (along with the words "For Mobile Deposit at Vibrant Credit Union") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees and deposited into an account owned by all payees. Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. How do I set up direct deposit? Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account. When does my direct deposit show up in my account? Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you. Why was a hold placed on my deposit? In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: Your deposit totaled more than $5,525 in a single day Your total deposit was larger than the balance available in your account Your account has been opened within the last 30 days The deposited check comes from an out-of-state financial institution If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit. Debit cards I lost my debit card! What can I do? 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. Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? It depends. If we detect suspicious activity on your account, Vibrant will text and call you to confirm whether the transaction is legitimate. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. However, there's a common scam that has affected some of our members that you should be aware of—"spoofing." Your Caller ID may show Vibrant's name or phone number, but the call might actually be coming from a scammer. Or you may receive a text that says it's from Vibrant when it's not. To protect yourself, never share the following information with any unsolicited contact: Your credit or debit card number Your Vibrant account number Your full Social Security Number Your PIN Your online banking username and/or password In addition, if someone texts you a link and tells you to click it to confirm or deny your transaction, DON'T CLICK IT. Vibrant will not ask you to provide a confirmation number that we sent you to confirm a transaction, and we will never disclose the items you purchased. If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking. ACH transfers & payments How do I transfer money from Vibrant to another financial institution? Click here to learn more! How do I set up automatic payments? If you wish to make a recurring payment, choose BILL PAY from the main menu of either the Vibrant app or your online account. Set up a payee Choose ADD PAYEE, designate whether they’re a business or an individual, then whether you want to issue payment via a check, SMS, ACH (digital) transfer, or email. Enter their payment details. Set up a payment From the Bill Pay dashboard, choose your PAYEE, then choose MAKE A PAYMENT. Enter the amount of the payment you want to make, and choose the frequency (from weekly to annually and everything in between), the date when you want the first payment to be made, and the number of times you want to make payments (or, alternatively, the date when you want to stop making payments). How long does it take for a transfer from Vibrant to be deposited at an external institution? All electronic payments take about 3 to 5 business days to be completed. Online & mobile banking How do I set up online banking? Go to the login drop-down in the upper right hand corner of the Vibrant website and choose “No User ID? Enroll in online banking.” Just confirm your name, birthdate, SSN, and email address, and you’re ready to go! Help! I forgot my username and/or password for online banking. It happens to all of us occasionally! It’s easy to recover this information. On the main login screen, choose the “Forgot User ID?” or “Forgot Password?” links. How do I add my Vibrant debit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit card with Venmo, CashApp, PayPal, etc.? Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number). Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details. Loans When is my loan payment due? You can see your next payment due date via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If you don’t see a due date, your next account statement has not yet been issued. Check back soon! How much is my loan payment? You can view your loan payment amount via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If the payment amount is $0, your next account statement has not yet been issued. Check back soon! I received a notice about a missing title. What should I do? If you have an auto loan through Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. You can either mail the title directly to Vibrant or drop it off at a branch . If you purchased the vehicle through a dealership and they were responsible for sending the title to Vibrant, contact them to see if they’ve sent the title yet. Our mailing address is P.O. Box 1550, Moline, IL 61266-1550. I received a notice about auto insurance. What do I need to do? While you're paying off your Vibrant auto loan, we need proof of full coverage insurance on the financed vehicle. You can share the declaration page from your insurance agent. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? Call Route 66, your extended warranty provider, at (800) 808-0828. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto, personal, or Loan Program (equipment) loan? You can apply online or contact our member service center if you need assistance filling out the application or have questions. *Skip-a-Pay qualifications are subject to change at any time. What is the fee for skipping a loan payment? It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing and if you have skipped fewer than six loan payments during the term of your loan. You can skip a payment on a Loan Program (equipment) loan a maximum of three times over the life of the loan if your account is in good standing, you've made at least one loan payment, and if you've skipped fewer than three loan payments during the term of your loan. *Skip-a-Pay qualifications are subject to change at any time. Fraud I received a letter in the mail from Vibrant. Is it legit? First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.) If you receive a letter from Vibrant telling you your debit or credit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically). I received a call/text/email about fraud on my card. Is this legit? It might be! Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information: Your account number Your card number Your PIN Your online banking username and/or password Your full Social Security Number If in doubt, don't hesitate to contact us or send a secure message through online banking. Titles How long will it take to receive my title? Vibrant has a 10-day processing period to release your title. After the title is released, it will be sent to you via mail. Can I expedite the title release process if I need it urgently for a private sale? We advise against attempting to expedite the process as it may lead to unintended complications. Instead, consider alternative options such as a Bill of Sale for immediate needs.

Get help planning for retirement with one of our certified financial advisors. Find out how to get started. Increase your financial flexibility by opening an IRA. Make retirement planning less taxing 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. How a traditional IRA works Make retirement planning less taxing Increase your financial flexibility by opening an IRA Contact an advisor 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

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1,000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. The closest branch is as near as your phone Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Apple Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Android No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena , special offers from Vibrant Music Hall , 20% off at Vibrant Coffeehouse + Kitchen , plus much more. Open a checking account Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 4.00% APY* on balances up to $25,000. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. Which account is right for you? Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated on 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 the interest rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month. Checking account rates $ 0 – $24,999 4.00% Premier Checking Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. That could add up to nearly $1000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Earn 4.00 APY* on your checking balance up to $24,999 Get Premier Checking

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. Understanding your escrow analysis 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. 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 morgage 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. It's that time of year—your annual escrow analysis shows what your monthly mortgage payment will be in 2026. Get answers to your escrow questions 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.

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

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