Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. Your Guide to the Best Guides to 2023 Black Friday Deals Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. We’re all for getting your shopping done early and staying home watching football and eating leftover turkey sandwiches instead of braving the crowds before sunrise—but, especially this year, it makes sense to try to get the maximum bang for your holiday buck. Whether you prefer to shop online or in person, the good news is that there’s now a whole cottage industry devoted to evaluating the newest products and tracking down the latest deals. Here are some of the most useful. The best guide when you’re shopping for the best (fill in the blank): The Wirecutter Thinking about getting someone you love a digital piano? An espresso maker? A new bike? If you haven’t got your heart set on a specific make and model, a great place to start your search is The Wirecutter . The site offers buying guides for everything from down jackets to insulated coffee mugs to computers and kitchen appliances—and not only offers readers the best options based on value or overall quality, but also provides up-to-the-minute pricing information from big retailers like Amazon, Walmart, and Target. The only downside is that the site produces such thorough, easy-to-use reviews that it was purchased by The New York Times a few years ago, which has recently started charging for a separate subscription to the site. Now, you can only view 10 articles for free each month—but the good news is that unlimited access only costs $5 a month. (Even better, The New York Times now allows you to cancel your subscription online, without speaking to a customer service representative, if you plan to log in for the holiday season only.) Do they publish specialized Black Friday deal finders? Yes! Typical review: The best fitness trackers The best guide when you need a little gifting inspiration: The Strategist Are you the kind of person who wants to know which products your favorite celebrity can’t live without? Or perhaps someone who wants gift suggestions for teenaged girls made by actual teenaged girls? How about an introduction to the best choices for some luxury item (velvet duvet covers, cashmere socks, fancy moisturizers) you never considered buying before? Then New York Magazine ’s shopping blog The Strategist offers exactly the kind of advice you’re looking for. One of the site’s specialties is combing through all the latest sales and compiling all the best available deals in a single list—which is a great way to find yourself suddenly buying a $400 state-of-the-art cordless vacuum and a cute ceramic pie plate when you had no previous intention to purchase either. Beware, impulse shoppers! On the bright side, you can read their content without paying for a full New York subscription. Do they publish specialized Black Friday deal finders? Yes! Typical review: The Best Secret Santa Gifts on Amazon under $25 The best guide when you’re making a major purchase: Consumer Reports Consumer Reports is the granddaddy of product review sites—in fact, it got its start as a print magazine that it still publishes. It’s still the gold standard for evaluating big-ticket items from refrigerators to trucks. Of course, they review smaller appliances, as well as some truly unusual items like flooring, paint, and portable generators. Their monthly subscription rate ($10) is pricier than The Wirecutter, but an annual subscription is only $39.95. What’s more, Consumer Reports is a nonprofit organization that puts all the money it earns back into its labs, scientists, researchers, and technicians. Think of them as the only credit union in a market full of banks. Do they publish specialized Black Friday deal finders? Yes, and organized by category and price (for those of you who don’t want to spend more than $50 on Aunt Hilda) Typical review: All-Season Tires (searchable by year, make and model of vehicle) The best guide for checking whether you’ve found an actual bargain: Google Shopping As a review site, Google Shopping offers minimal content—just the average consumer rating from Google's own review system, as well as advertisers, sellers, and other third-party sites. But once you think you know what you want, it’s a fast and easy way to check if there’s a better price available. Just plug in the name of the product you want to buy, and it will bring up listings from multiple retailers and their current advertised price. Google also understands that all retailers aren’t created equal—and that many consumers are afraid of getting ripped off if they purchase an item from a retailer they don’t recognize. If Google finds reviews attesting to fast shipping, an easy return process, and good user ratings, it will indicate that a retailer is a “trusted store.” Do they publish specialized Black Friday deal finders? No, but they can find you a deal on a DVD of the horror movie Black Friday Typical listing: Diptyque Feu du Bois Scented Candle (available for $40 compared to a list price of $72) The guide for wasting your time: BuzzFeed Shopping It should come as no surprise that when BuzzFeed shops, it shops in clickbait-y headlines: “30 ShopDisney Products So Good, You’ll Be Tracking Delivery Until They Arrive. ” “37 Travel Products that Will Make You Want to Book Your Next Flight ASAP .” “33 Things To Help You Fit Way More Stuff In a Small Space .” Most featured products don’t include original reviews, just links to purchase the product and a couple of representative consumer reviews copied from retail sites. But, hey, it’s free, so long as you’re willing to put up with a dozen different banner ads flashing past as you scroll and to reward this kind of lazy content with your precious clicks. Do they publish specialized Black Friday deal finders? Yes, but their coverage of early Black Friday specials is … not great Typical review: Target Finds (sponsored by Target) The guide that’s not a guide, just a really good place to spend Black Friday: Vibrant Coffeehouse and Kitchen This is the Black Friday destination that has everything: ample parking, delicious coffee and food, comfortable seating, and a wide assortment of everything from hoodies to mugs to locally made earrings for sale. Grab a holiday mocha and sip while you browse—or stake out a booth and use our WiFi to shop online while you enjoy free refills of house-roasted P.O.B.C. (that’s “plain old black coffee”). Do they offer special Black Friday deals? Well, members save 20% on food and drinks when they pay with a Vibrant credit or debit card every day—but keep an eye out on social media for some last-minute surprises and exclusives! Next Item Previous Item

Welcome Wacker Neuson Equipment Dealers! Checkout new promos Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of June 19, 2025. For low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (730+) A (680–729) B (640–679) C (600–639) D (550—599) E (<549) 36 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 48 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 60 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 72 month 6.99% 6.99% 11.99% 18.00% 18.00% 18.00% 84 month 7.49% 7.99% 12.99% 18.00% 18.00% 18.00% 120 month 7.49%** 7.99% 12.99% 18.00% 18.00% 18.00% *"APR" = "Annual Percentage Rate." Minimum loan amount of $15,000 for all 120-month terms. **7.49% standard rate financing for 10 years (120 months) is applicable to well-qualified customers with approved credit. Not all buyers will qualify. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term See Current Wacker Neuson Promotions: Compact Equipment > Dealer Tools Loan Portal Create new applications, check on the status of applications in progress, and more. Go to the Portal Training Center Need help finding your way around the Vibrant Equipment Lending platform? Check out step-by-step video tutorials and other resources. Go to the training center Talk to Vibrant Phone: ( 800) 479-6206 - Email here . Spring/Summer hours M-F - 7:30 a.m. – 6 p.m. CT Saturdays - 8:30 a.m. – 2 p.m. CT Get in touch Meet the Team Cale VanGenderen SVP, Loan Programs Email Cale Natalie Newcomb Loan Programs Manager Email Natalie Jessica Voges Account Manager Email Jessica 800-479-6206 Kari Neff Account Manager Email Kari 800-479-6206 Shawn LaBarge Account Manager Email Shawn 800-479-6206 Chuck Ellis Relationship Manager Email Chuck 817-999-3717 LA, NM, OK, TX Carson Thomas Relationship Manager Email Carson 309-269-1586 CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV Brayden Sechser Relationship Manager Email Brayden 503-851-4895 AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY Marc Brown Relationship Manager Email Marc 563-514-4844 AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI John Weaver Relationship Manager Email John 309-645-2062 AL, FL, GA, NC, SC, VA Earn up to 4.50% APY* on your savings With Preferred Savings, you can earn 4.50% APY on balances up to $15,000. Get our best rates in years for a limited time only. *APY = "Annual Percentage Yield." APYs accurate as of August 7, 2025. Preferred Savings 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 one Preferred Savings account per member. $5 Membership Share account required. Federally insured by NCUA. Learn more > Lock in a great rate with a Vibrant CD Rates are going up, up, up—but for how long? Lock in a great rate of return with terms as short as 8 months or as long as 5 years. Check out our rates > New to Wacker Neuson Finance powered by Vibrant? It's easy to set up access to our dealer portal. First, we will set up a Vibrant bank account for your dealership. After you sign off on the paperwork, you'll get access to your online bank account, and we'll email your login info for your Vibrant account and access to the Wacker Neuson Retail Finance portal. Get started What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Wacker Neuson's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Wacker Neuson to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. How can I find out about financing incentives? Check them out here ! Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for Yanmar customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Frequently asked questions Email us Call us Manage your account

Learn about the latest developments at Vibrant and check out our blog for sound advice about your finances. Vibrant Coffeehouse + Kitchen opens Bettendorf location Vibrant Coffeehouse + Kitchen is located inside the previous 5,000-square-foot Vibrant Credit Union building at 3230 Ridge Point, according to a spokesperson for Vibrant. The coffeehouse and kitchen will feature a wide variety of beverages from house-roasted espressos and refreshing hand-mixed energy drinks to hot and iced teas, chai, and smoothies. Read more at KWQC.com > 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 at Metal Blockchain > Meet the new Vibrant: The best place to move your money In fall 2023, with interest rates at their highest since the early 2000s, 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. 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 in American Banker > Vibrant cooks up new business with Moline coffeehouse and kitchen The 87-year-old, Moline-based institution is brewing up new business, with the stylish, rustic Vibrant Coffeehouse and Kitchen, now open next to the Vibrant headquarters at 6600 44th Ave., Moline. Visit OurQuadCities.com > 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. Visit OurQuadCities.com > All-Staff Meeting This summer, Vibrant begins construction at its Bettendorf branch to create something new—a convenient place to do your banking that is also a full-service restaurant. Get the lowdown > 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. Listen at Gallup.com > Introducing Vibrant Arena at The Mark As of September 1, 2022, Vibrant becomes the first local company to hold naming rights to the Quad Cities' top destination for sports and entertainment. 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.” Visit Quad Cities Business > Quad-City Times: Art creates good vibes A Quad Cities artist is creating custom murals at Vibrant branches across the region. Read more > CU Times: Vibrant PPP loan lending supports businesses The credit union originated more than $200 million in PPP loans for companies across the United States. Visit CUTimes.com > News 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 isdevoting 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. Read more > 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. Read more > Understanding why interest rates change Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. Read more > 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. Read more > Understanding recent bank failures and what they mean for you With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. Read more > 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. Read more > Why Vibrant turned its Bettendorf branch into a coffeehouse In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen. Read more > 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. Read more > 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Read more > Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Read more > 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." Read more > 5 money-saving tips for college graduates To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” Read more > From the blog

We knew that Quad Citizens love holiday lights displays—after all, there are dozens of them running every night between Thanksgiving and Christmas. But we honestly didn’t realize how much they love them until we posted our updated Quad Cities Lights Finder map on Facebook and it got nearly 110,000 views in the first week. (We’re even more excited that more people have reached out and asked for their displays to be added. Send them our way, please!) Our favorite Quad Cities holiday light displays of 2022 We knew that Quad Citizens love holiday lights displays—after all, there are dozens of them running every night between Thanksgiving and Christmas. But we honestly didn’t realize how much they love them until we posted our updated Quad Cities Lights Finder map on Facebook and it got nearly 110,000 views in the first week. (We’re even more excited that more people have reached out and asked for their displays to be added. Send them our way, please!) We knew that Quad Citizens love holiday lights displays—after all, there are dozens of them running every night between Thanksgiving and Christmas. But we honestly didn’t realize how much they love them until we posted our updated Quad Cities Lights Finder map on Facebook and it got nearly 110,000 views in the first week. (We’re even more excited that more people have reached out and asked for their displays to be added. Send them our way, please !) Frankly, you could go out light-peeping every night during the holiday season and not run out of new displays to visit. But for those of you who aren’t up to that level of commitment, we’d like to call out some of our favorites. If you want to be totally overwhelmed by holiday magic The Quad Cities boasts three public holiday displays with truly staggering numbers of lights. Be prepared to linger to get the full experience. Holiday Lights at Fejevary Learning Center City of Davenport Government | Facebook Where: 1800 W 12th St, Davenport, IA 52804 When: 5 p.m. to 9:30 p.m., November 26, 2022 through January 8, 2023 Admission: Free Tune in: 107.5 FM Shows last 15 minutes and start at the top and bottom of the hour Park in the lot on the east side of the Learning Center and cross the street to the viewing area (where there’s also accessible parking available for those who need it). Be prepared current hits as well as more traditional holiday tunes, with trees, buildings, fence posts, and even the giant Mother Goose lit up and dancing in time. Get more information about Fejevary’s Holiday Lights . Vander Veer Conservatory Poinsettia and Holiday Lights Display Where: 215 W. Central Park, Davenport IA 52803 When: 10 a.m. - 4 p.m. weekdays, 10 a.m. - 7 p.m., Saturdays (closed Mondays and holidays) | Nov. 26, 2022 to January 13, 2023 Admission: Free While the entire 33-acre expanse of Vander Veer Park is beautifully decorated for the holidays, you’ll want to visit the Conservatory in particular to see its vast poinsettia collection and get a close-up look at the lights in the greenhouse. Heads up—they'll be giving poinsettias away at the end of the season, on January 14 and 15. (The larger park closes half an hour after sunset. Parking is available at the Central Park entrance.) Get more information about the Vander Veer Conservatory Poinsettia and Holiday Lights Display . Quad Cities Botanical Center’s Winter Nights Winter Lights Where: 2525 4th Avenue, Rock Island, IL 61201 When: 5 p.m. to 9 p.m. Wednesday through Sunday until December 11, then 5 p.m. to 9 p.m. daily through January 1 Admission: $10 adults/$6 youth under 16, with free admission on Wednesdays for members In 2022, the Botanical Center is decked out in more than 160,000 lights—good thing the display is sponsored in part by MidAmerican Energy! Organizers caution that it takes about 45 minutes to walk through the entire display, but you can pause to buy cocoa and other warm drinks as you stroll. Get more information about Winter Nights Winter Lights . If you want to see a neighborhood display so impressive the designer went pro Kall Christmas Lights Where: 1852 Westminster Circle, Davenport IA When: 5:30 to 10 p.m., November 26, 2022, through December 31, 2022 Admission: Free Tune in: 100.1 FM Shows last approximately 7 minutes and start at the top and bottom of every hour The Kall family has been putting up increasingly lavish holiday light displays for nearly two decades. Several years ago, Aubrey Kall took her interest in music and animation to start choreographing and programming custom light shows, synced in time with some of the banging-est tunes you’ll ever encounter at a Christmas display. Visitors were so impressed with the animated displays that she quickly started getting inquiries from other businesses who wanted her to work for them. She started her own company, Luminous Harmony, and started creating displays for clients across the United States. But her first client is still one of her most important—this year, the Kalls have three different animated shows running on alternate nights. Get more information about Kall Christmas Lights, including parking information and playlists. If you’re introducing your little ones to the magic of Christmas Mickey’s Christmas Yard Mickey’s Christmas Yard 509 13th Ave Orion | Facebook Where: 509 13th Avenue, Orion IL 61273 When: 6 p.m. to 9 p.m., Fridays and Saturdays, 6 p.m. to 8 p.m. on Sundays, through Christmas Admission: Free (though donations are welcome to help cover the cost of providing visiting kids with gifts and goodie bags) Looking for a display featuring an ample supply of holiday inflatables? Mickey’s Christmas Yard includes an entire receiving line of them, from Christmas Minions to Will Ferrell in his Elf costume. While the lights are beautiful, they’re not the main event. This year, that might be Santa’s Workshop, where the family hopes to provide every young visitor with a gift when they stop in. Get more information about Mickey's Christmas Yard, including special events. If you’d rather stay home and have the holidays come to you EVS Mobile Repair’s Grinch Truck EVS Mobile Repair | Facebook Where: Watch their Facebook page for announcements! When: Tuesdays through Sundays through Christmas Admission: Free (and you can reach out to them with requests if you’re hoping they’ll come by your neighborhood) Rock Island’s EVS Mobile Repair spends its days making house calls to diesel engines in need of attention, so it's not surprising they’ve got some pretty substantial trailers in their fleet. This year, they’ve commandeered one to set up a full tableau of Grinch-themed inflatables, added Grinch-green underlighting, and put the actual Grinch behind the wheel to spread cheer across the Quad Cities and surrounding towns. We love this idea and hope it catches on! If you’d rather stay in your car Vibrant Nights 2022 Where: Vibrant Credit Union, 3230 Ridge Pointe Drive, Bettendorf IA 52722 When: 4 p.m. to midnight, seven days a week, through December 31, 2022 Admission: Free Tune in: 87.9 FM Want to slowly cruise past an extravaganza of flashing, chasing lights without irritating the entire neighborhood while you do it? Our holiday lights display in Bettendorf, back for a second year, is perfect for you. Circle the display as often as you like, or park and enjoy. If it’s not too chilly and you’re feeling inspired by all the festivity, the giant Christmas ball at the building entrance makes the perfect backdrop for your holiday family photos. (Tag #bevibrant if you post any online!) Chart your own tour of holiday lights Check out our Quad Cities Lights map (updated as new information becomes available!). Next Item Previous Item

“Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds . (“SMS” and “phishing” equals “smishing.” Get it?) There are all kinds of text scams going around—free vacations, text “XXXXX” to donate to disaster relief—but the most common are focused on stealing your personally identifiable information, including account logins and passwords, Social Security numbers, security codes, birthdates, and more. Often, the senders impersonate reputable brands, like Microsoft, Amazon, or the financial institution where you bank, to gain your trust. Smishing is effective because the messages are short (so there’s less opportunity to say something that sounds fake) and because it’s hard to preview a link without clicking on it. Further, many mobile numbers are available in public databases, making it easy for scammers to hit up a bunch of potential victims without a lot of effort. 3 smishing warning signs Pay extra attention to texts that include: Links to websites. While there are times when legitimate senders will include a link in their message (for instance, Hy-Vee wants give you access to the receipt for your online order), most senders will tell you to call (and you should verify that number belongs to the sender before you do!) or ask you to reply to the message. Blocked, unknown, or incorrect Caller IDs. If you can’t see who’s sending the message, there’s a good chance it’s an attempted smishing attack. Appeals to respond quickly. Scammers don’t want you to think before you act. So they rely on messages designed to make you feel as though you’re at risk. How to respond if you're being smished Don’t reply “STOP” if it’s offered as an option. When you do, you confirm to the scammer that they’ve reached a valid number with an attentive person on the other end. This particular conversation may stop, but you’ll likely be hearing from them again. Don’t give out any personal information. No reputable organization will request your date of birth, Social Security Number, address, or payment information via text. Report scam texts to your mobile phone company and the FTC. You can forward scam texts to your mobile provider by forwarding the text message to 7726 (that’s SPAM). And you can share your scams with the Federal Trade Commission at reportfraud.ftc.gov or call 1-877-382-4357. How to minimize your risk of being smished Actively block or filter spam messages from your phone. On Android’s Messages app , click the menu in the upper right corner and choose DETAILS, then choose the BLOCK & REPORT SPAM option. On iPhone's Messages app , if you’ve opened the message, scroll to the bottom, select REPORT JUNK, then click DELETE AND REPORT JUNK. Make sure your phone software is up-to-date. Don’t put off those software updates! Back up your phone data. If you have an Android phone, it’s easy to move your photos and data to Google Drive. Apple iPhone users can use iCloud or back up to your PC or Mac via iTunes. Next Item Previous Item

Find the right credit card for your needs. Choose from low-interest credit cards, cashback credit cards, travel rewards credit cards, and more. Apply now. Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards Get convenient and flexible purchasing power with a card that fits your priorities. Choosing the right credit card is easier than ever Explore credit cards More cards, more options Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, there's a card to help you do it. Whichever you choose, you can count on these great features. Accepted at millions of locations worldwide Mobile purchasing for added convenience Zero Fraud Liability* You won't be liable for fraudulent purchases when your card is lost or stolen. 24/7 cardmember services Find the right card *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Frequently asked questions Where do I send my credit card payment? Starting in March 2025, Elan Financial Services will handle service and processing for all Vibrant Mastercard accounts. Watch your mailbox for communications from them about your account. Access your account now . I already have a Vibrant Mastercard, but I'm interested in a different rewards program. Can I change cards? You can choose from a variety of cards and rewards programs based on your interests and financial needs. Explore all your card options . Where can I find your interest rates? See the latest rates on all your credit card options to find the one that's best for you. Is there an annual fee for these credit cards? Most of our new credit card options are available without an annual fee. However, some premium rewards programs may charge a fee. Get the details . What if my credit history isn't that great? Check out the Vibrant Secured Card and see if it's a good fit for your situation. It's a great way to start building or improving your credit history.

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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