The new foundation deepens our mission to bring more good into the communities we love. Vibrant Credit Union launches the Be The Good Foundation The new foundation deepens our mission to bring more good into the communities we love. Moline, IL — January 13, 2026 Vibrant Credit Union announced the official launch of the Be The Good Foundation , a philanthropic initiative designed to power more kindness, more opportunity, and more “good stuff” in communities across the Midwest. For years, Vibrant has believed that doing good shouldn’t be a side project — it should be part of who we are. The Be The Good Foundation brings that belief to life, supporting organizations that are building brighter futures through financial literacy, youth development, and community enrichment. “Good doesn’t happen by accident,” said Tiffany Haedt, President of the Be The Good Foundation. “It happens when people roll up their sleeves, show up for each other, and decide that doing the right thing is worth the effort. This foundation lets us invest in the people and nonprofits already making that kind of magic happen.” The Foundation’s focus areas reflect Vibrant’s long-standing belief that thriving communities start with strong building blocks: Financial Literacy: Because understanding money is a superpower everyone deserves. Youth Development: Preparing the next generation of leaders, creators, helpers, and big thinkers. Community Enrichment: Supporting programs that make our neighborhoods feel safer, healthier, and more connected. Guided by values like optimism, integrity, joy, and compassion, the Foundation chooses projects that don’t just sound good on paper — they make a real difference. “We’re here for the changemakers,” said Megan Anderson, Vice President. “The people who get up every day and do the work. If we can fuel that, we’ll gladly bring the spark.” The Foundation is led by a volunteer Board of Directors — Matt McCombs, Amy Henderson, Marsha Wolff, Nick Tarpein, and Trista Beise — who believe in transparency, responsibility, and the power of small actions that become big outcomes. Nonprofits can now submit grant proposals. Application materials, eligibility details, and FAQs are available at: VibrantCreditUnion.org/BeTheGood “Communities thrive when people lift each other up,” said Marsha Wolff, Secretary/Treasurer. “The Be The Good Foundation is here to help that lift go farther.” About the Be The Good Foundation Be The Good Foundation, founded by Vibrant Credit Union, supports programs that expand financial literacy, empower young people with life and career skills, and strengthens communities. The foundation operates with a simple belief: when you put more good into the world, the world responds in kind. About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union built on strong roots and a forward-looking mindset. Vibrant delivers competitive deposit rates, intuitive digital banking, and fast, flexible money movement designed to make everyday finances easier. Beyond products, Vibrant is deeply committed to giving back — supporting nonprofits, strengthening communities, and championing its call to Be The Good through meaningful partnerships and measurable impact. Because great financial tools matter, but what you do with them matters even more. Previous Item Next Item

If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. What to do if your personal data is compromised If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States , everywhere from Twitter to Uber to the credit reporting agency Experian. If you receive a notification that your personal and/or financial information has been compromised, here are some steps you can take to protect yourself. Change your passwords. And while you’re at it, make sure you’re not using the same passwords for more than one login. That’s easier said than done when the average person has dozens of logins to manage, so consider using a password manager like 1Password or Dashlane . These applications will not only remember your login information at every site, they’ll make it easy to choose a unique, hard-to-crack password any time you create an account. But don’t get overconfident—even the password manager LastPass experienced a data breach in 2022 —that’s how common data breaches are.) Set up multi-factor authentication—especially for that password manager you probably just started using. Multi-factor authentication enables you to add an extra layer of protection between your password and your data. After your login information has been correctly entered, with MFA, you’ll automatically receive a phone call or a text message asking you to confirm that you’re the person attempting to access your account, along with a one-time code you can use to prove you’re really you. Take advantage of any free credit monitoring or identity theft protection services you are offered by the organization that was breached. Most companies will offer these services as compensation for the inconvenience they have caused you. Consider adding a verbal PIN or passphrase to your financial accounts. If identity thieves acquire enough of your personal information, it’s possible that they can assume control of your checking and savings accounts by contacting your financial institution and pretending to be you. One way to protect yourself at Vibrant—call us and set up a verbal PIN or passphrase we’ll ask you to provide every time you call. Scammers won’t know you have one unless they call – and it’s much more difficult to crack a password on the phone. Consider setting up a credit freeze. You can place a credit freeze on your credit report, preventing any lender or retailer from pulling your credit as part of a credit application. If you’re not actively in the market for a loan or credit card, then setting up a security freeze on your credit report is an effective way to keep identity thieves from signing up for credit cards of their own. If you later need to apply for credit, you can remove the security freeze either temporarily or permanently. The process is simple, free and can be completed online, via phone, or through the mail. Make sure to contact all three main credit reporting agencies (Experian, Equifax, and TransUnion) to ensure you’re completely protected. Get complete instructions on setting up a credit freeze from USA.gov. Watch your bank and credit card accounts for suspicious transactions. If you see a transaction that doesn’t look familiar, contact your financial institution immediately to file a dispute. If your card has been compromised, your financial institution can issue you a new number and close the old account. Check your credit report regularly to make sure no one is taking out credit in your name. If you’ve signed up for online banking with Vibrant, it’s easy to keep an eye on your credit report. Log in , go to the TOOLS menu, and choose CREDIT TRACKER. You’ll receive an alert any time your credit report updates—from decreases in your available credit to new accounts added. Consider investing in identity theft insurance. Many homeowners and renters policies include optional identity theft protection that can cost as little as $15 a year. This coverage can provide compensation for attorneys’ fees, lost wages if you need to take time away from work to rectify the damage, and for administrative costs including certified mail, long-distance calls, or notary fees. Talk to our partners at Vibrant Insurance Group to find identity theft coverage that fits your needs. Feeling overwhelmed? Get expert advice from IdentityTheft.gov . This free program from the Federal Trade Commission will walk you through everything you need to do in the event of a data breach or documented case of identity theft (e.g., you have found a fraudulent charge on your credit card). Previous Item Next Item

Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. 5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Serve all of your business banking needs If you’ve been fed the myth that credit unions offer fewer business banking services than banks, we have news for you. Whatever your needs are as a new or established business, a credit union is well equipped to handle them, from lending and checking to credit and investments. Credit unions might often have a small town feel, but they’re built to support big businesses. Credit unions are member-owned The key difference between a credit union and a bank is not their banking services. It can actually be boiled down to one word: profit. Banks are for-profit and their profits go to their shareholders. Credit unions are not-for-profit and member-owned. You might notice the difference in the rates for business loans and business lines of credit. Banks usually charge higher rates than credit unions. Credit unions are also able to offer higher yield on savings accounts. It’s their way of returning their profits back to their members. Credit union fees are designed to benefit members If you long for the days without having to pay annual credit card fees and monthly checking fees, bank with a credit union. As a not-for-profit organization, it means they have less incentive to charge their account holders with a laundry list of extra fees. In fact, Vibrant Credit Union actually charges no fees for all business accounts. If you’re a business owner, imagine how much you could save without having to pay transaction fees. Account accessibility is not a problem There’s a school of thought that bigger banks have bigger wallets to afford better technology. But even if there might have been a technology gap at one point between banks and credit unions, that gap has long since been closed. Credit unions are not blind to the fact that business owners need to be able to bank from anywhere these days. That’s why they’ve stepped up their game in terms of online and mobile banking services. So even if you’re not near one of their branches, you can still access your account, transfer funds, make remote deposits, and more. Partner with a lender that is relationship-focused and community-driven The best professional partnerships are built on personal trust. Because credit unions answer only to their members, that is where their focus lies. They want to build long-term relationships. There’s also a good chance that your average credit union has greater ties to the local community than a national brand bank. You may see them sponsoring events that benefit the local community, or making donations and offering scholarships. If you’re interested in learning more about what a credit union can do for your business, please get in touch with us . Previous Item Next Item

What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What is a certificate of deposit and how does it work? What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." If you’re unfamiliar with certificates of deposit, it’s an investment tool that allows you to turn the tables on the lender. Instead of paying interest on a loan, the bank pays you interest on a deposit. What is a certificate of deposit? As the name suggests, a certificate of deposit is a deposit. You deposit a specific dollar amount with a lender, but you agree not to withdraw that deposit for a certain length of time. It could be three months, a year, or even as long as 10 years. For as long as you agree to leave the deposit with the lender, you will earn interest on that deposit. Once your certificate of deposit has reached what’s called its “maturity date,” you can withdraw that money, penalty-free. Like a cherry on top of an ice cream sundae, you’ll also get to pocket the interest. How does a CD work? The most important parts of a certificate of deposit are the interest rate and the length of the deposit. Generally, the longer you are willing to leave your deposit with a lender, the better the interest rate they’re going to offer you. CDs are an appealing alternative to a traditional savings account because the interest rates are often higher and the rates are fixed. It’s considered a safe investment tool because you’re not at the mercy of the market. CDs are also federally insured, so your deposit is protected. You also have the freedom to shop around and find the lender that offers the best CD interest rates. Is a CD right for you? Do you have a chunk of cash tucked away that you don’t need right now? Instead of collecting dust, that money can collect interest in a CD. It can grow into a bigger chunk of cash that you can then use toward a home, a car, or even a boat if you’re looking to set sail. The risk is obviously that, in the event that you find yourself in a bind, you can’t withdraw the funds without paying a penalty. So it’s best not to think of this deposit as an emergency fund. On the flip side, it can remove the temptation to spend that money. You can consider the CD as safekeeping for savings you might be tempted to spend under the right circumstances. If you’re interested in a Certificate of Deposit, get in touch with us ! The sooner you make your deposit, the sooner you can start growing that deposit into something more. Previous Item Next Item

Get our routing number Vibrant's routing number is 271183646. You can find it on the footer of every page on our website! Previous Item Next Item

Learn about the latest developments at Vibrant and check out our blog for sound advice about your finances. News Vibrant Credit Union Expands Equipment Lending with Manitou Group North America Partnership Vibrant Credit Union has partnered with Manitou Group North America to offer consumer and small business equipment lending options—supporting the Manitou and GEHL brands and continuing to build a portfolio of leading equipment manufacturers across construction and agriculture. Read more > Vibrant Credit Union named Best Credit Union in 2026 Buy Side Awards by The Wall Street Journal Vibrant Credit Union has been named Best Credit Union in the 2026 Buy Side Awards presented by The Wall Street Journal, a national recognition honoring financial institutions that deliver exceptional value, performance, and member experience. Read more > Vibrant CTO Pete Nohelty joins Metal Blockchain Advisory Council His appointment brings unparalleled expertise in tailoring blockchain solutions for credit unions, focusing on critical areas such as digital payments, stablecoins, digital identity, and private subnets, thereby amplifying Metal Blockchain's value for financial institutions. Read more > Read more > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more > Investing in and developing people leaders at Vibrant In Gallup's Called to Coach webcast, Jon Sexton (senior vice president of culture and leadership development), VP of corporate services Jennie Powless, retail sales director Lola Williams, and branch manager Jane Evans talk about Vibrant's leadership development training and how it's helped them grow in their careers. Read more > Vibrant shows off more images of updated arena Moline-based Vibrant Credit Union shared some additional images that were introduced at Thursday’s announcement of the renaming of the TaxSlayer Center to Vibrant Arena at The MARK effective Sept. 1. Read more > New HQ captures Vibrant Credit Union’s culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Vibrant Credit Union High Yield Savings Account: 2026 Review If you want a savings rate that beats a big bank without hunting for a fintech app, a credit union can be a quiet winner. Read more > Mitsubishi HC Capital America and Vibrant Credit Union expand retail financing for inventory finance dealers New relationship enhances customer access to retail financing for compact agriculture and construction equipment across the United States. Read more > Read more > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) Read more > Award-Winning. Again. (Not our words, the WSJ's.) Read more > How Mobile Check Deposit Works And When It Makes Sense to Use It Read more > Is Online Banking Safe? What Really Keeps Your Money Protected Read more > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. Read more > How Compound Interest and High-Yield Accounts Actually Work Together It's the "secret sauce" for making the most of your money. Read more > How to Know When a Financial Tip Online Actually Applies to You And how to know when you can keep scrolling Read more > Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Read more > Vibrant Credit Union launches the Be The Good Foundation The new foundation deepens our mission to bring more good into the communities we love. Read more > Kids take over—again! Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Read more > Why the federal reserve changes rates (and why savers shouldn’t wait too long.) Read more > Why savings rates are changing — and why that’s still good news for you When the Federal Reserve changes interest rates, it affects nearly every part of the financial world — including your savings account. So, if you’ve noticed an update to our deposit rates, here’s what’s happening and why Vibrant Credit Union remains one of the best places to grow your money. From the blog

Disclosures Members Member Service Agreement Rates and Service Charges (updated 08.12.2026) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice Text Messaging and Opt-Out Policy Overdraft Protection Funds Availablility of Deposits Business Members Business Service Agreement Business Rates & Service Charges (updated 11.14.2025) Master ACH Agreement for Businesses Business Online Banking Account Access Agreement and Disclosure Statement Other Security and Refund Policy Illinois Community Reinvestment Act Notice - Corporate Illinois Community Reinvestment Act Notice - Branch

Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Moline, IL — February 26, 2026 Be The Good Foundation proudly presented its inaugural grant to Living Lands & Waters , marking an exciting milestone in the Foundation’s mission to strengthen and serve our communities. Living Lands & Waters, a nationally recognized environmental nonprofit dedicated to river cleanups, watershed conservation, and community engagement, was selected as the Foundation’s first grant recipient in recognition of its meaningful impact and ongoing commitment to protecting natural resources. The $500 grant was formally presented during a check ceremony with representatives from both organizations. The event celebrated a shared commitment to service, stewardship, and creating positive change. “Launching Be The Good Foundation with Living Lands & Waters as our first recipient reflects exactly what we stand for — action, impact, and community,” said Tiffany Haedt, President of Be The Good Foundation. “We are proud to support organizations that are making a tangible difference.” Be The Good Foundation was established to invest in initiatives that uplift communities, support meaningful causes, and embody the spirit of doing good in both big and small ways. Now Accepting Grant Applications Be The Good Foundation invites nonprofit organizations and community groups to submit grant requests via the Vibrant Credit Union website. Organizations with missions aligned to community improvement, service, and positive impact are encouraged to apply. To learn more or submit a grant request, visit the Be The Good Foundation page . Together, we can continue to build stronger communities — one act of good at a time. About the Be The Good Foundation Be The Good Foundation, founded by Vibrant Credit Union, supports programs that expand financial literacy, empower young people with life and career skills, and strengthens communities. The foundation operates with a simple belief: when you put more good into the world, the world responds in kind. About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union built on strong roots and a forward-looking mindset. Vibrant delivers competitive deposit rates, intuitive digital banking, and fast, flexible money movement designed to make everyday finances easier. Beyond products, Vibrant is deeply committed to giving back — supporting nonprofits, strengthening communities, and championing its call to Be The Good through meaningful partnerships and measurable impact. Because great financial tools matter, but what you do with them matters even more. Previous Item Next Item

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Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Will a checking account affect your credit score? Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Does opening a checking account affect my credit score? Even though opening a checking account is usually the first box you check when you first take steps into the financial world, the cold hard truth is that your credit score does not care. As far as your credit score is concerned, your deposits and withdrawals are your business. There are a handful of exceptions, though. The lender you open your account with may perform a hard inquiry on your credit report. To be clear, this isn’t the norm. Most financial institutions will only make a soft inquiry before opening a new checking account. Soft inquiries have no impact on your credit score, but a hard inquiry could drop your score a few points. Lenders have also been known to make hard inquiries if you sign up for overdraft protection. On that same note, not signing up for overdraft protection and then overdrawing your checking account could impact your credit score. Should you fail to repay the amount in a timely fashion, the lender could turn the matter over to a collections agency. The same thing could happen if you close your account with a negative balance and don’t pay the lender back. Long story short, your credit score is not as excited as you are about your new checking account, but it will be paying attention if you mismanage that account. What affects my credit score? What exactly is a credit score? And who exactly is keeping score? Two good questions that not everyone knows the answer to — even if they might pretend like they do. “Credit score” is such a common financial term today that many people never even question it, when actually understanding how it is calculated can help you boost your score. Credit bureaus are the ones who calculate your credit score. Each of them has their own unique algorithm for calculating credit scores and they are all as tight-lipped as a magician’s assistant when it comes to revealing the specific math behind their algorithms. But what we do know is that five basic financial categories are the keys to determining your score: Payment history. Your payment history accounts for 35% of your credit score. Credit utilization. The amount of credit you have available to you and the percentage of that credit you are using regularly accounts for 30% of your score. Length of credit history. The age of your accounts is 15% of your credit score. The longer your credit history, the better your score, usually. Types of credit. The different types of credit you utilize — credit cards, mortgages, auto loans, etc. — accounts for 10% of your score. New credit. The final 10% of your credit score is determined by how many new lines of credit you have applied for. Opening multiple new accounts in a short period of time can be seen as a sign of financial troubles to a lender. What is a good credit score? Your credit score is a number between 300 and 850. If your score is less than 600, you have what is considered a poor credit score. The sweet spot is between 661 and 780, which is where the good credit scores live. If you’re an overachiever, aim for 781 or higher. If ever you find yourself with a credit score higher than 781, you have done pretty well for yourself. You deserve a gold star, but you’ll have to settle for a great credit score instead. If you are interested in opening a new checking account or have questions about your credit score, please get in touch with us . Math is our specialty! Previous Item Next Item

With interest rates high, now is a great time to consider adding a CD to your financial portfolio. Is a Certificate of Deposit (CD) right for you? With interest rates high, now is a great time to consider adding a CD to your financial portfolio. You shouldn’t expect to become fabulously wealthy by opening a Certificate of Deposit (CD). But if you’re looking for a safe place to earn a guaranteed return on your savings, right now is a great time to consider adding a CD to your financial portfolio. With interest rates rising, many CDs are paying the highest rates consumers have seen in more than 20 years. How is a CD different from an ordinary savings account? In simple terms, a Certificate of Deposit is a type of savings account—one that pays higher interest on your balance in exchange for your promise not to withdraw any funds for a set period of time, which at Vibrant can range from 3 months to 5 years. Further, so long as your deposit balance doesn’t exceed NCUA insurance limits ($250,000 in total deposits per account holder at a single credit union), those returns are guaranteed so long as you don’t need to withdraw your cash early—and it never hurts to have an extra level of assurance considering recent volatility in the banking sector . Talk to us if you’re interested in depositing more than $250,000 for cost-free strategies for maximizing your deposit insurance coverage. The kinds of people who should consider investing in a CD If your current financial goals fall into any of the following categories, a CD might be the right solution for you. You’re saving for a short-term goal If you’ve been setting aside money for a down payment on a home, a new car or boat, a dream vacation, or a wedding, then putting your savings in a CD is a good way to grow your nest egg faster without committing to a long-term investment. You want to jump-start your retirement savings Even if retirement is a long way off, you can invest in an IRA CD at any age—and, right now, potentially earn a better rate of return than you would through your 401(k). With an IRA CD, your investment itself is tax-deductible (similar to the way that 401(k) contributions are made with pre-tax dollars). And, unlike a conventional CD, an IRA CD enables you to put off paying taxes on the interest income you earn until it’s time to make a withdrawal from your retirement plan. You can even roll over your IRA into a different retirement savings plan without tax penalties once your 401(k) starts earning more. You want to protect your cash against inflation When inflation is high, the value of your savings decreases. Putting your savings into a CD can help protect your money by locking in a fixed interest rate until the economy improves. You want a safe and secure place to park your savings CDs are a low-risk way to grow your money. The interest rate is fixed, so you know exactly how much money you will earn. Further, Vibrant CDs are insured by the NCUA, which means your money is protected up to $250,000 per account holder (and you can talk with a banker about strategies to maximize your NCUA coverage if you want to invest more). You want a great rate but don’t have a lot of money to invest While many financial institutions require a minimum deposit amount in the four figures to get their best CD rates, all of Vibrant’s CDs are available with a minimum $5 deposit. The bottom line Before you put your savings in a CD, think carefully about when you will need to access the money you’re setting aside. All financial institutions charge some kind of early withdrawal penalty if you need to close a CD before it reaches maturity—up to and including giving up all the interest you’ve earned to date. Once you decide how long you can afford to set aside your savings, compare your options to find the term and interest rate that work best for you. See Vibrant’s current CD rates, then reach out to one of our personal bankers for help opening an account or open an account online . Disclosures Before you open a Certificate of Deposit, be aware that there may be penalties imposed if you withdraw your money before the end of the term. Unless you specify otherwise, Vibrant's certificates will automatically renew at the end of the term—the 13-month CD automatically renews into a 12-month CD at maturity. Vibrant will contact you before your CD reaches maturity to help you choose not to renew or if you'd prefer to renew for a different term. All Vibrant CDs are federally insured by NCUA. Previous Item Next Item

Flexible financing solutions for manufacturers from Vibrant Credit Union. Improve cash flow, fund equipment, and support your business growth. Financing is a growth lever. Are you using it? Consumer equipment financing built for outdoor equipment dealers and manufacturers Let's Connect Make your brand the easiest line to sell. When a buyer walks onto a dealer lot and financing isn’t available — or it’s slow, complicated, or off-brand — deals stall. Inventory sits. Dealers get frustrated and start pushing lines that are easier to sell. A manufacturer-backed financing program changes that equation. We can help remove the friction between “I want it” and “I’ll take it.” 50%+ apps are auto-approved on the spot 30 minute minute turnaround on manual underwriting 50 states covered by dedicated relationship managers A Relationship, Not a Help Desk Vibrant is a federally insured, member-owned credit union — not a bank, not a captive finance arm of a larger conglomerate. We don't hide behind automated systems. You get a dedicated team that picks up the phone, knows your business, and moves at the speed your dealers need. 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 More units moved Point-of-sale financing converts browsers into buyers. When your dealers can approve a customer in minutes, deals close the same day. Stronger dealer relationships Equip your dealers with a tool that makes their job easier and their customers happier. They’ll prioritize your line over competitors. Brand presence at every sale Your program, your name, your rates. Every financed transaction reinforces your brand — not a generic lender’s. Data and visibility Understand what’s selling, where, and at what terms. A dedicated program gives you intelligence your competitors don’t have. Trusted by manufacturers who demand more. We run exclusive financing programs for Yanmar, YCENA, McCormick, and Wacker Neuson — and we’re selective about who we build with next. Our best partnerships are built on shared commitment to dealer success and customer experience. Let's see if we're the right fit. Complete the form below, and our we will be in touch within one business day. Prefer to reach out directly? Contact Cale VanGenderen at (309) 761-5866.