(and why savers shouldn’t wait too long.) Why the federal reserve changes rates (and why savers shouldn’t wait too long.) Rates don’t tap you on the shoulder before they move. One shift in the Federal Reserve’s outlook, and the entire landscape can start to slide, sometimes quietly, sometimes all at once. If you’re sitting on maturing CDs or simply watching rates closely, here’s the key takeaway: waiting to act can mean earning less , especially when the market expects rates to trend lower. Why the Fed changes rates The Federal Reserve adjusts rates to keep the economy from running too hot or too cold. Its two big goals are stable prices (inflation control) and a strong job market . When inflation is high, the Fed often raises rates to slow demand. When inflation cools and growth softens, the Fed may lower rates to support the economy. In short: the Fed moves rates to steady the economy, but those moves ripple directly into what savers earn. What the outlook is signaling Policymakers’ projections (often summarized through the Fed’s “dot plot”) suggest a general expectation of lower rates ahead . And when markets anticipate cuts, deposit rates across the industry can begin to follow. The best time to position your savings is often before the crowd hears the music change. Why this matters right now If rates trend lower in 2026, the savings and CD rates you see later may not look like the ones available today. That’s why rate-conscious savers don’t just watch the Fed, they plan around it. Where we’re putting our best value: Vibrant’s core savings and checking products If you want strong earning power with everyday access, these are the accounts we built for members who pay attention to rates. Our top-tier option for members who want industry-leading performance of their funds. These are not side products for us. They’re the main course. We’re dedicated to being an industry leader in the accounts members rely on most, especially when the rate environment is shifting. Preferred Savings: high-yield for balances under $15,000. If you want a strong rate without turning your life into a checklist, start here. See featured rate here No monthly fees, no minimum balance requirements Unlimited transfers and withdrawals Premier Savings: built for serious savers If you typically keep a higher savings balance and want a better-than-average yield, Premier Savings is designed for that lane. See featured rate here No monthly fees, unlimited transfers and withdrawals Elite Savings: CD-like earning, savings-like access Elite Savings is for members with larger balances who want strong yield without the “hands off the money” feeling CDs can bring. See featured rate here No monthly fees, no transaction limits Premier Checking : stop treating your checking account like a dead zone Checking is where money goes to sit around (usually)… unless you put it in an account designed to earn. See featured rate here No monthly fees, no direct deposit required, no minimum debit transactions required The takeaway If you’re waiting for “the perfect moment,” remember: rates can change while you wait . With expectations leaning toward lower rates ahead, now is a smart time to move cash into accounts designed to earn competitively and stay flexible. Previous Item Next Item

Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Easy Ways to Add Money to Your Account Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Here are a few simple ways to get started: Transfer Money from Another Bank Already have funds elsewhere? You can move them over in just a few steps using online or mobile banking. Need help? Click here. Deposit a Check from Your Phone No need to stop by a branch—just snap a photo of your check and deposit it through our mobile app. Need help? Click here. Deposit Cash at a CO-OP ATM Near You Need to deposit cash? You can use thousands of CO-OP network ATMs nationwide. Here’s how to find one that accepts deposits: Start here . Click Find an ATM In the gray navigation bar, switch from Simple Search to Advanced Search On the right-hand filters, select Deposit-Taking ATMs Enter your location to find the nearest option Previous Item Next Item

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

We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. We are Vibrant Credit Union. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. we are vibrant. Our goal? To empower people to become the best financial version of themselves — and in doing so, return the greatest possible value back into their lives and their communities. our mission Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Be the best. Partner with the best. Propel people to their best selves. We exist to give back — especially to those who partner with us. We believe that your dollars should work harder for you. That value should flow back into your hands, into your health, and into your future. Our mission our core values our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. our core values own every opportunity We take initiative and embrace responsibility, treating every challenge and chance as if it were ours to shape. We step up, follow through, and hold ourselves accountable for results, big or small. our core values be open, honest and authentic We speak truthfully, listen deeply, and act with integrity. We show up as our real selves, creating a culture where transparency and trust thrive — because great things grow from genuine connection. our core values bring contagious energy Our passion is palpable. We show up with enthusiasm, positivity, and purpose — lighting up the room, inspiring those around us, and turning momentum into meaningful progress. our core values be swift and relentless in the pursuit of greatness We move with urgency and focus, always striving to raise the bar. We don’t settle — we push boundaries, iterate fast, and keep going until excellence is not just reached, but redefined. our core values think, speak, act for the collective good We put the team before the ego. Every decision and action is guided by what's best for the whole — our colleagues, our members, and our community. Together, we shine brighter. Our core values What drives us Reciprocity with Purpose We’re redefining banking to be digitally-led, people-assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. what drives us Reciprocity with Purpose We’re redefining banking to be digitally led-people assisted — every interaction, every deposit, every moment should return value that matters. Community-Fueled We’re rooted in relationship-based health. Our community isn’t just who we serve — it’s what we build. Together. Rebalanced Returns We return the highest level of value possible — not just in rates or rewards, but in your ability to thrive over time. Vibrant Credit Union & Be The Good Foundation Vibrant is more than just a 90-year-old credit union — we’re something new. Think of this as our rebirth. We’ve always been a place where people can count on us as a credit union and for support, but now, we’re intentionally building around a deeper purpose: total health. We see total health as having four pillars: Physical Health – Feeling strong, energetic, and cared for. Mental & Emotional Health – Feeling grounded, supported, and connected. Financial Health – Feeling confident, capable, and empowered. Foundational Health – The systems and support that make the first three possible. That’s community. That’s relationships. That’s us. Our Be The Good Foundation supports initiatives and ideas that increase these kinds of pillars within our community — because when you thrive, we all do. Vibrant Credit Union is here to help you become the best version of yourself — and then send that version back into the world. That’s how communities grow stronger. That’s how people gain balance, even when the balance in life shifts. Think of us as all that, and more. We’re not just holding your money — we’re holding space for your potential. And then giving everything we can right back to help you realize it. To make you brighter, bolder, and even more Vibrant. Smart banking made simple Flow like a pro Life moves fast—so should your money. Our fee-free checking is like the zen of banking: effortless, intuitive, and always in the moment. Tap, swipe, transfer—repeat. With tools to keep your spending in check, you’re not just tracking your money, you’re mastering the art of financial flow. Learn more Grow what matters Saving doesn’t have to be all spreadsheets and self-restraint. With a Vibrant savings account, your money does the adulting while you dream big. Stash your cash, skip the nonsense fees, and earn like a boss. It's like planting a money tree—only real, and less likely to attract squirrels. Vacations? Guitars? That inflatable hot tub you swear you’ll use? Yeah, that kind of growth. Learn more The future, sealed with certainty Think of it as a time capsule for your money. Lock it in, let it chill, and come back later to find it’s grown—no guesswork, no drama. With fixed rates and flexible terms, our CDs are a simple way to say, “Hey future me, you’re gonna love this.” Learn more Vibrant Credit Union is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. Responsible growth Extended secure account coverage From dreams to driveways Collaborating for your financial success Vibrant is always looking for ways to help you get the most out of your money. While we focus on offering some of the best rates around for checking, savings, and CDs, we also want to make sure you have access to great options for your other financial needs. That’s why, after doing our homework and taking the time to find the right fit, we've teamed up with trusted companies who are experts in what they do — and who share our commitment to giving you the top-notch service you deserve. responsible growth extended secure account coverage from dreams to driveways secure peace of mind collaborating for your financial success Vibrant Credit Union's complete offerings No gimmicks. Just smarter banking that puts you first. Discover the Vibrant difference today. Premier Checking Account learn more Everyday Checking Account learn more Everyday Savings Account learn more Preferred Savings Account learn more Premier Savings Account learn more Elite Savings Account learn more Certificate of Deposits (CDs) learn more Personal Credit Cards learn more Community Business Checking learn more Community Business Savings learn more Business Credit Cards learn more Insured Money Market Accounts learn more Home Loans learn more Skip-a-Pay learn more Life Event Loans learn more

Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? Not all savings accounts are the same. Learn the difference between high-yield and traditional savings accounts and how to earn more on your money. High-Yield Savings vs Traditional Savings: What’s the Real Difference? At first glance, most savings accounts look the same. They hold your money. They’re safe. They earn interest. But once you look a little closer, the difference between a traditional savings account and a high-yield savings account can be significant—especially over time. What Is a Traditional Savings Account? Traditional savings accounts are what most people are familiar with. They’re typically offered by banks or credit unions and provide: A safe place to store money Easy access to funds A small amount of interest They’re simple and reliable—but often come with lower interest rates than newer alternatives. What Is a High-Yield Savings Account? A high-yield savings account is designed to do the same thing—but more efficiently. You still get: Security Accessibility Stability But you also get: a more competitive interest rate , which allows your money to grow faster over time The core difference isn’t how the account works—it’s how much your money earns while it sits there. Explore high-yield savings options: High-yield savings accounts Key Differences That Matter The differences between traditional and high-yield savings accounts come down to a few key areas: Interest Rate: Traditional savings accounts typically offer low interest rates, while high-yield savings accounts are designed to provide more competitive returns. Growth Potential: With lower rates, traditional savings accounts may see minimal growth over time. High-yield savings accounts allow your balance to grow more meaningfully, especially as it increases. Accessibility: Both types of accounts generally allow easy access to your money when you need it. Safety: Both traditional and high-yield savings accounts are designed to keep your money secure. Why Many People Are Switching More people are starting to question whether their savings account is doing enough. The shift toward high-yield savings is driven by a simple idea: If your money is going to sit in an account anyway, it should be earning as much as it reasonably can. There’s no added complexity. No added risk. Just a better return on the same type of account. Which One Is Right for You? If your priority is: Keeping your money safe Maintaining easy access Earning more on your balance A high-yield savings account is often the better choice. If you haven’t reviewed your savings account in a while, it may be worth taking a second look. The Bottom Line Not all savings accounts are created equal. The difference between a traditional account and a high-yield account may seem small at first—but over time, it can have a meaningful impact on how your money grows. See how much more your savings could be earning: High-yield savings account Previous Item Next 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. Previous Item Next Item

Flexible financing solutions for manufacturers from Vibrant Credit Union. Improve cash flow, fund equipment, and support your business growth. Financing is a growth lever. Are you using it? Consumer equipment financing built for outdoor equipment dealers and manufacturers Let's Connect Make your brand the easiest line to sell. When a buyer walks onto a dealer lot and financing isn’t available — or it’s slow, complicated, or off-brand — deals stall. Inventory sits. Dealers get frustrated and start pushing lines that are easier to sell. A manufacturer-backed financing program changes that equation. We can help remove the friction between “I want it” and “I’ll take it.” 50%+ apps are auto-approved on the spot 30 minute minute turnaround on manual underwriting 50 states covered by dedicated relationship managers A Relationship, Not a Help Desk Vibrant is a federally insured, member-owned credit union — not a bank, not a captive finance arm of a larger conglomerate. We don't hide behind automated systems. You get a dedicated team that picks up the phone, knows your business, and moves at the speed your dealers need. More units moved Point-of-sale financing converts browsers into buyers. When your dealers can approve a customer in minutes, deals close the same day. Stronger dealer relationships Equip your dealers with a tool that makes their job easier and their customers happier. They’ll prioritize your line over competitors. Brand presence at every sale Your program, your name, your rates. Every financed transaction reinforces your brand — not a generic lender’s. Data and visibility Understand what’s selling, where, and at what terms. A dedicated program gives you intelligence your competitors don’t have. Trusted by manufacturers who demand more. We run exclusive financing programs for Yanmar, YCENA, McCormick, and Wacker Neuson — and we’re selective about who we build with next. Our best partnerships are built on shared commitment to dealer success and customer experience. Let's see if we're the right fit. Complete the form below, and our we will be in touch within one business day. Prefer to reach out directly? Contact Cale Van Genderen at 309-235-4349.

According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Previous Item Next Item

Complete the form to request a donation of funds for your community project. Vibrant wants to Be the Good in the communities we serve. Get a little help from your friends We care about the communities where our members live and work Get a little help from your friends We care about the communities where our members live and work Find out what we can do for you The basics Are you looking for funding, giveaway items, or some extra helping hands? Get in touch. You must be a nonprofit or tax-exempt organization Submit a request at least 30 days in advance of your event (longer is better!) No solicitations will be allowed on Vibrant property Causes we support While we can’t help out with every request, we love to work with organizations that support these goals: Community development Civic affairs Culture Education (including booster clubs and PTAs) Environment Financial literacy Health and welfare Public safety Youth character building (including scouting, sports clubs, and other organizations) Submit a donation request

Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. Tips for choosing a savings account Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. To help you find the best place to grow your savings, here are four tips for choosing a savings account that is going to turn your five dollar bill into so much more. Aim high for your interest rate Opening a savings account is about growing your money, and how quickly that money grows will depend on the interest rate . The higher the interest rate, the more you’ll earn from your deposit. Most lenders will offer a basic savings account with interest rates as low as .01%, but keep an eye out for high-interest savings accounts that could help you earn more at a faster rate. Pay attention to minimum balance requirements Behind every savings account are a set of terms and conditions. You might be tempted to skim them, but do yourself a favor and give them a read. Different lenders will have different minimum deposit requirements, ranging from $1 to $10,000. You might also be expected to maintain a minimum balance to earn interest. There could even be fees for dropping below the minimum required balance. Always take the time to read the terms and conditions. Shop local for the best rates No two savings accounts are the same. Different financial institutions are going to offer different types of savings accounts with different interest rates, fees, and minimum balances. It’s up to you to look around and find the best savings account for you, and the best place to start is your local credit union or community bank. Because they’re nonprofit and member-owned , credit unions generally offer higher interest rates than banks, so be sure to give them a look. Ask about mobile banking Having a brick-and-mortar location close by is convenient, but in this day and age, most people expect to be able to handle the bulk of their financial transactions through their phone. You should be able to manage your savings account from anywhere, so be sure to ask about online and mobile banking services when kicking the tires on different financial institutions. If you’re interested in opening a savings account, get in touch with us ! Previous Item Next Item

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

Payday, but earlier. Get paid up to 2 days early with eligible direct deposit into your Vibrant account. Open an account Open an account Choose high-yield checking and savings designed to help your money earn more from day one. Set up direct deposit Connect your paycheck or benefits so your money goes straight to your account automatically. Get paid early Receive eligible direct deposits up to 2 days early¹—so your money shows up when you need it. Let's get started 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 * For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 19, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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. * For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of March 19, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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 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 in minutes Better banking. No strings. Banking should be simple—and actually work in your favor. That’s why this account skips the typical limitations: No monthly service fees No minimum balance requirements No transfer or withdrawal limits Open an account now > 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 May 13, 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 May 13, 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? 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.