Mastercard giveaway Giveaway Overview: Individuals who provide their contact information will receive one entry to win one $50 Mastercard Gift Card. By providing your email address, you consent to receive marketing communications. Unsubscribe at any time. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on Friday, January 9, 2026. All entries or submissions must be received on day stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must fill out the digital form with their basic information including name, phone number, and email address. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. Five winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via email. If the email is not responded to in one week, Vibrant will make one follow-up phone call. Three business days from that phone call without response, they will select another winner. Potential winners must respond to an email or phone call to pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025

Savings with up to $5M* in protection. Maximize NCUA insurance coverage while earning competitve returns-automatically. Are your funds fully insured? Keep every dollar safe, accessible, and working for you — all in one account. Learn More Schedule a meeting 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 well 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 (including Florida HOAs ) 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 "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 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. Request more info 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 *APY = "Annual Percentage Yield." APYs accurate as of June 11, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. 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. 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.

All Vibrant members are eligible for $1,000 of accidental death and dismemberment insurance paid for by Vibrant. You can also purchase up to $300,000 in additional coverage. Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Add a Title Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Plus guaranteed acceptance for up to $300,000 in additional coverage As a Vibrant Credit Union member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health. Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them. Learn more Andrea L. Heger, Licensed Insurance Agent #2277322 0122 1947555 Note, AD&D Products are not federally insured by the NCUA.

Award-winning. Again. The Wall Street Journal recognized Vibrant Credit Union two years running. Ninety years of evolving, improving, and refusing to be just another financial institution. And now, there are receipts. Open an account High-yield accounts Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant. 24/7 mobile banking Deposit checks, pay bills, and review your balances any time—all from your own device. No hidden fees With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Open an account from anywhere See how you can earn more with Vibrant Compare our rates with other banks, and it’s easy to see why we lead the way. Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. 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. *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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 of one Preferred Savings account per member. Find the right account for you Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 3.75% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No minimum debit card transactions required No direct deposit required Get paid up to 2-days early with eligible direct deposits¹ Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Open an account in minutes It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. 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 of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. 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 and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000. How does early direct deposit work? Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday. Timing depends on when the payment file is received. Is early direct deposit guaranteed? No. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access. ¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.

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

Open a high-interest personal checking or savings account in minutes and start earning today! Earn up to 20x the national average. Get 4.00% APY* on balances up to $15k with a Vibrant Preferred Savings account. Open an account now Award-winning rates Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant. 24/7 mobile banking Deposit checks, pay bills, and review your balances any time—all from your own device. No hidden fees With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Open an account See how you can earn more with Vibrant Compare our rates with other banks, and it’s easy to see why we lead the way. Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. 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. *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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 of one Preferred Savings account per member. Find the right account for you Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 3.75% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No direct deposit required No minimum debit card transactions required Get paid up to 2-days early with eligible direct deposits ¹ Dividends paid monthly Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Open an account Run the numbers. See the difference. Use this calculator to compare what you could earn with Vibrant Preferred Savings. Enter your balance and dividend rate to estimate your earnings—then compare it to the national average and your current bank. *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the the national average savings rate for credit unions is 0.19% APY based on a $2,500 balance. 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. Calculator results are for illustrative purposes only and assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information. Run your numbers to see the difference. Use our calculator tool to compare what you could be earning with a Vibrant Preferred Savings account. Just enter your balance, years to grow, and your current dividend rate to estimate your earnings—then see how it stacks up against Vibrant. Plus, with Vibrant, there are no monthly fees or hidden requirements —so more of what you earn stays yours. Not sure what to enter? Check your bank’s disclosures and look for the dividend (or interest) rate, since APY* includes compounding and can appear higher. Learn more about dividend rates vs. APYs here. *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. As of December 26, 2025, NCUA reports the the national average savings rate for credit unions is 0.19% APY based on a $2,500 balance. 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 of one Preferred Savings account per member. Calculator results are for illustrative purposes only and assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information. It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. 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 of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. ¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify. 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 and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000. How does early direct deposit work? Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday. Timing depends on when the payment file is received. Is early direct deposit guaranteed? No. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access.

Liquidity that doesn’t make you sacrifice yield. Get high-yield savings with no requirements. AS SEEN ON INVESTOPEDIA Digital Advantage High-Yield Savings | 4.40% APY* Liquidity that doesn't make you sacrifice yield. Get started now Open in minutes Fast, hassle-free online account opening. Federally insured NCUA insurance up to $250K per depositor. No hidden fees Keep more of what you earn without all the hoops. Join nationwide Eligible to join from anywhere in the U.S. "...I've been severely impressed with the excellent products as well as unrivaled customer care. I've been treated with respect efficiently and with great courtesy..." Larry Z. — Vibrant Credit Union Member "Very happy with your products. Your rates can't be beat..." Vicki M. — Vibrant Credit Union Member "Excellent! I feel heard. Employees are sharp. They bring up pertaining information. Answer questions. Don't put me on hold or leave me on hold..." Patsy B. — Vibrant Credit Union Member Want to grow more than $5K? We believe earning a competitive rate should be simple. With our savings accounts, there are no activity requirements to earn your APY* — your money works for you from day one. Digital Advantage Savings Earn 4.40% APY* on balances Up to $5K MEMBER FAVORITE Preferred Savings Earn 4.00%* APY on balances Up to $15K Premier Checking Earn 3.75%* APY on balances Up to $25K Open an account Digital Advantage Savings account rates Average Daily Balance APY* $0 - $4,999 4.40% $5,000+ 0.01% - 4.40% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage 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. Digital Advantage Savings is only available for new members and must be opened online. Limit of one Digital Advantage Savings account per member. Take advantage of this limited-time opportunity. Open a savings account. Other savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. 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 of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of July 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Earn up to 4.00% APY* on your checking Pair your savings with a high-yield checking account to maximize your earning potential! Every checking account includes: No monthly fees or minimum balance requirements No direct deposit or debit card transaction requirements No withdrawal limits Free online & mobile banking with mobile check deposit Get started now Open from anywhere. Give from the start. By becoming a Friend of the Be The Good Foundation , you’re eligible to become a member nationwide and we’ll make a $5 donation on your behalf to support financial education, youth development, and community impact. Learn more It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . How old do I have to be to open an account? You'll need to be at least 18 years old to open a Digital Advantage Savings account online. If you're younger than 18, you can open one of our other high-yield accounts in person or over the phone as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . Can I open more than one Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $5,000. Explore some of our other products here .

Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. 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. Moline, IL – December 31, 2025 After an overwhelmingly positive response to last year’s inaugural event, Vibrant Credit Union—alongside the Quad City Storm hockey team and Junior Achievement of the Heartland—is proud to bring back the second annual QC Kids Run the Show hockey game. This unique, fan-favorite experience returns to give young leaders another chance to step into the spotlight for a night of excitement, confidence-building, and unforgettable memories. Happening on Friday, January 9, 2026 , at Vibrant Arena at The MARK, QC Kids Run the Show invites local kids to take over key roles behind the scenes and on the ice. Participants will once again get hands-on experience announcing plays, running in-game entertainment, assisting coaches, collaborating with the media team, and helping stage a professional hockey game from the inside out. “Seeing the impact of last year’s event made it clear—we had to bring it back for 2026,” said Vibrant Credit Union President and CEO, Matt McCombs. “Kids Run the Show gives young people a chance to build leadership skills, try new challenges, and have a whole lot of fun doing it. We’re thrilled to continue this partnership with Junior Achievement and Quad City Storm to inspire even more local kids in 2026.” The fun doesn’t stop at the puck drop. Throughout the night, Vibrant will shine a light on its High Yield Savings Accounts to help kick off easy, real-life conversations about saving and smart money habits with students, families, and fans. It’s all about giving people tools they can actually use and rates that give back—another example of Vibrant’s commitment to strengthening the communities it serves. Junior Achievement, known regionally for championing youth leadership and financial empowerment, is excited to return for year two. “Last year proved how transformative hands-on learning can be,” said Lysa Hegland, President of Junior Achievement of the Heartland. “We’re thrilled to once again partner with Vibrant Credit Union and the Quad City Storm to give kids real-world roles that boost their confidence and expand their vision for the future.” The Quad City Storm team is also energized to welcome their young collaborators back to the rink. “Hockey is always better when the community is involved—especially its youngest members,” said Brian Rothenberger, Quad City Storm Team President. “We loved what the kids brought to game day last year, and we can’t wait to see them take charge again.” Tickets for the 2026 QC Kids Run the Show game are available now at bit.ly/QCkidsruntheshow . For each ticket purchased, $5 will be donated to Junior Achievement of the Heartland . Families, fans, and community members are invited to join in cheering on both the Quad City Storm and the next generation of local leaders. #QCKidsRunTheShow About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union rooted in agricultural manufacturing and built for what’s next. Now a national leader in deposit rates, Vibrant delivers top-earning accounts, intuitive digital banking, and fast, flexible money movement—giving customers across the country a smarter way to bank. Beyond financial performance, Vibrant is driven by purpose, providing specialized solutions for nonprofits and small businesses and championing its call to Be The Good . Staying true to its origins while pushing forward, Vibrant also powers outdoor equipment manufacturers nationwide through relationship-driven, education-first equipment financing programs About Junior Achievement Junior Achievement is dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their future, and make smart academic and economic choices. JA programs are delivered by corporate and community volunteers, and provide relevant, hands-on experiences that give students from kindergarten through high school knowledge and skills in financial literacy, work readiness and entrepreneurship. Locally, Junior Achievement of the Heartland serves 24 counties in eastern Iowa and western Illinois. About Quad City Storm The Quad City Storm is in its 7th year of serving as the community's team; providing unmatched excitement, energy and entertainment while giving back to and supporting the QCA. To date, the Storm has donated more than half a million dollars to local non-profit organizations. The Storm is a locally and Veteran owned team that competes in the SPHL. To learn more about the Storm follow us on social media and visit QuadCityStorm.com. Previous Item Next Item

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

Disclosures Members Member Service Agreement Rates and Service Charges (updated 05.13.2026) 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

Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. The Best Place to Keep Your Emergency Fund (Without Losing Access) Your emergency fund should be safe, accessible—and earning interest. Learn the best place to keep your emergency savings and how to make your money work harder. Where Should You Keep Your Emergency Fund in 2026? An emergency fund should give you peace of mind—not sit in an account earning next to nothing. But that’s exactly what’s happening for a lot of people right now. Even as interest rates have increased, many traditional savings accounts are still paying very little. Which means your emergency fund may not be working as hard as it could. So where should you keep it? Let’s break it down. What an Emergency Fund Needs to Do Before choosing where to keep it, it helps to define the job. Your emergency fund should be: Accessible — You can get to it quickly Safe — Your balance isn’t exposed to market risk Earning — It should grow, even while sitting idle If an account misses one of these, it’s not doing its job. Option 1: Traditional Savings Accounts Traditional savings accounts are familiar and easy to use. They offer: Security Simple access No surprises But many still come with very low interest rates, which can limit how much your money grows over time. For an emergency fund, that tradeoff matters more than most people realize. Option 2: High-Yield Savings Accounts This is where more people are starting to make a shift. A high-yield savings account is designed to do the same job as a traditional savings account—but with significantly better earning potential. You still get: Easy access to your money A safe place to store your funds But you also get: a more competitive rate that helps your balance grow over time For most people, this is the best balance of access and earnings for an emergency fund. Explore your options: High-yield savings accounts A Simple Way to Approach It For most people, the goal isn’t to find the most complex place to store an emergency fund—it’s to find the most efficient one. That usually means: Keeping your money fully accessible Earning a competitive rate Avoiding unnecessary restrictions A high-yield savings account checks all three boxes. Some people choose to keep a small amount of cash readily available for immediate needs, while storing the rest in a higher-earning account. This approach keeps your money both accessible and working for you. The Bottom Line Your emergency fund shouldn’t just sit still. It should: Be there when you need it Grow quietly in the background The good news is you don’t have to choose between access and earning potential anymore. See current savings options and rates: High-yield savings account Previous Item Next Item

Set up direct deposit You'll need to know your full checking account number and Vibrant's routing number (271183646) To find your account number, grab a check (your number is to the right of our routing number at the bottom) or your Member Service Agreement. To direct-deposit your paycheck: Contact your HR department or log in to your HR system to update your information. To direct-deposit other recurring payments, contact the brokerage or other entity that issues the payment for instructions. Confirm your changes and keep an eye out for your deposit. Previous Item Next Item