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

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 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 turnaround on manual underwriting 50 states covered by dedicated relationship managers A Relationship, Not a Help Desk Vibrant is a federally insured, member-owned credit union — not a bank, not a captive finance arm of a larger conglomerate. We don't hide behind automated systems. You get a dedicated team that picks up the phone, knows your business, and moves at the speed your dealers need. Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org More units moved Point-of-sale financing converts browsers into buyers. When your dealers can approve a customer in minutes, deals close the same day. Stronger dealer relationships Equip your dealers with a tool that makes their job easier and their customers happier. They’ll prioritize your line over competitors. Brand presence at every sale Your program, your name, your rates. Every financed transaction reinforces your brand — not a generic lender’s. Data and visibility Understand what’s selling, where, and at what terms. A dedicated program gives you intelligence your competitors don’t have. Trusted by manufacturers who demand more. We run exclusive financing programs for Yanmar, YCENA, McCormick, and Wacker Neuson — and we’re selective about who we build with next. Our best partnerships are built on shared commitment to dealer success and customer experience. Let's see if we're the right fit. Complete the form below, and our we will be in touch within one business day. Prefer to reach out directly? Contact Cale VanGenderen at (309) 761-5866.

What Really Keeps Your Money Protected Is Online Banking Safe? What Really Keeps Your Money Protected At some point, almost everyone asks the same question: “Is online banking actually safe?” It’s a fair question. Logging in, moving money, and paying bills digitally can feel more abstract than handing over a card or talking to a teller. Short answer? Yes. Online banking is designed to be secure. The more useful answer is that safety doesn’t come from one setting or feature. It comes from layers working together in the background, most of which don’t require much effort from you. Understanding those layers makes online banking feel less risky — and a lot more normal. Security Works in Layers, Not One Big Lock Security isn’t a single lock on the door. It’s a series of overlapping protections that catch different types of issues at different points. Those layers include: Systems that monitor activity patterns Controls that verify logins and devices Alerts that flag unusual behavior Everyday habits that reduce common risk No single layer handles everything. Together, they create protection that adapts to real‑world use, not just ideal scenarios. What You Do Matters (But It Doesn’t Have to Be Complicated) You don’t need technical expertise to bank safely online. Consistency matters more than complexity . The basics — strong unique passwords , keeping devices updated , logging in on trusted networks when possible — cover most everyday risk. Fraud attempts tend to rely on outdated access or predictable behavior, not elaborate hacks. Which means the simple stuff actually works. Alerts Are About Calm, Not Constant Checking One of the most effective security tools is also one of the simplest: alerts. Alerts aren’t meant to keep you on edge. They’re meant to reduce the need for constant monitoring. It helps to use alerts for exceptions, not everything . That could mean: Notifications for large transactions Alerts for unfamiliar logins Warnings when balances drop below a certain level This shifts monitoring from something you do to something that supports you . If something needs attention, you’ll know. Otherwise, you can move on with your day. Public Wi ‑Fi Doesn’t Require Panic — Just Judgment Summer often means airports, coffee shops, hotels, and public Wi‑Fi. These networks aren’t automatically unsafe, but they do add uncertainty. You don’t control who else is connected or how traffic is handled. In practice, it’s best to save sensitive actions for more secure connections when you can . Checking balances is generally fine. Reviewing activity is fine. Making major changes or moving money is better done on a trusted network. What Happens When Something Looks Off Many people assume they’ll be the first to notice fraud. In reality, unusual activity is often flagged automatically based on patterns that don’t match normal behavior. Think of security as shared responsibility: Systems monitor and detect Alerts surface potential issues You confirm what makes sense If something doesn’t look right, it’s usually better to pause before reacting. Acting quickly doesn’t help nearly as much as verifying calmly. Convenience and Security Aren’t Opposites Anymore There used to be a trade-off assumption: the more convenient, the less secure. That's no longer true. Modern security is designed to work with convenience. Features like digital access, mobile tools, and automated monitoring are meant to reduce risk without adding friction. A good system supports normal behavior instead of forcing you to choose between ease and safety. A Simple Check ‑In Question You don’t need to understand every technical detail to know whether your security setup is working. A simple check here: does this feel calm to use? If you: Feel comfortable banking digitally Aren’t worried every time you log in Trust you’ll be alerted if something’s off That’s a sign the system is doing its job. Final Thought Online banking safety isn’t about constant vigilance. It’s about systems that work quietly, tools that support real life, and habits that reduce everyday risk without asking much in return. When security fits naturally into your routine, it stops feeling like something you need to manage — and starts feeling like something you can rely on. Previous Item Next Item

And When It Makes Sense to Use It How Mobile Check Deposit Works And When It Makes Sense to Use It Mobile check deposit is one of those features that feels almost too easy. Snap a photo. Submit. Done. For most people, it’s become second nature. But because it’s so simple, it’s easy to forget there’s a process behind it — and a few situations where slowing down is actually helpful. Understanding how mobile deposit works (and when it’s the right choice) makes it easier to use confidently, without second‑guessing or overthinking it. What’s Actually Happening When You Deposit a Check by Phone When you deposit a check through an app , the check isn’t magically disappearing into the system. The images you submit are reviewed, verified, and processed through the same banking networks as a physical check. The difference is convenience, not legitimacy. Mobile deposit replaces: A trip to a branch or ATM Manual handling of the check Waiting in line with a digital version of the same process. That’s why it works best when expectations are set correctly from the start. Why Mobile Deposits Aren’t Always Instant One of the most common questions around mobile deposit is timing. Sometimes funds appear quickly. Other times, there’s a short delay. That variation isn’t random — it’s part of how checks are verified. A few things can affect timing: The check amount Whether the check matches typical deposit patterns Image clarity Timing of the deposit This doesn’t mean something is wrong. It usually means the system is doing its job in the background. If you’re depositing a routine check that looks like past activity, things often move quickly. When something looks different, the review process can take a bit longer. When Mobile Deposit Is a Great Fit Mobile check deposit shines in everyday situations. It’s especially useful when: You receive checks occasionally You don’t want to rearrange your day around a deposit The amount fits comfortably within typical deposit patterns In these cases, mobile deposit removes friction without adding complexity. You do the same thing you would have done in person — just from wherever you are. For most people, this covers the majority of use cases. When It’s Worth Pausing for a Moment Mobile deposit is convenient, but it doesn’t have to be the answer every single time. It’s worth slowing down if: The check amount is significantly larger than usual The check comes from an unfamiliar source You need immediate certainty around availability In those situations, giving the deposit a little extra attention can save frustration later. That might mean double‑checking details, making sure images are clear, or choosing a different deposit method if timing matters. This isn’t about avoiding mobile deposit — it’s about matching the tool to the situation. Simple Practices That Prevent Common Issues Most mobile deposit issues aren’t technical. They’re visual or procedural. A few habits make a big difference: Endorse checks correctly Place checks on a flat, dark surface when photographing Make sure all corners are visible Store the physical check safely until the deposit fully processes Taking an extra moment here reduces delays and prevents follow‑up steps later. The goal is fewer surprises, not faster taps. Why This Feature Fits Real ‑Life Banking Mobile deposit works best when it fades into the background. You’re not supposed to think about it often. You’re just supposed to trust that when you need it, it works — without adding rules, extra steps, or stress. When financial tools are designed this way, they don’t change how you live your life. They just remove unnecessary obstacles. That’s exactly what mobile check deposit is meant to do. On Last Thought Mobile deposit isn’t about speeding everything up. It’s about making everyday tasks easier. When you understand what’s happening behind the scenes and use the feature intentionally, it becomes a reliable option instead of a guessing game. Convenience works best when it’s paired with clarity. Luckily, you don’t need to choose one over the other. Previous Item Next Item

Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. How to Earn Interest on Your Money Without Locking It Up For a long time, earning higher interest meant giving something up. Usually, that meant locking your money away in an account you couldn’t easily access. But that tradeoff isn’t as necessary as it once was. The Tradeoff People Assume Exists Many people believe: If you want higher returns, you need to lock your money up If you want access, you have to accept lower interest That used to be true—but it’s not the full picture anymore. Why You Don’t Have to Lock Your Money Away Today, there are savings options designed to give you both: Competitive interest rates Easy access to your money This means your cash can stay flexible while still working for you in the background. What to Look for Instead If your goal is to earn more without sacrificing access, focus on accounts that offer: Strong, competitive rates No unnecessary restrictions Easy transfers when you need your money A high-yield savings account is built around exactly this idea. Explore flexible savings options: High-yield savings account A Smarter Way to Think About Savings Instead of choosing between access and earnings, you can prioritize both. Your money should be: Available when you need it Growing when you don’t That balance is what makes modern savings strategies more effective. The Bottom Line You don’t have to lock your money away to earn more on it. With the right account, your savings can stay flexible while still delivering meaningful returns. See how your savings can work harder—without losing access: High-yield savings account Previous Item Next Item

See current rates, dealer incentives, and connect to everything you need to access equipment financing through Vibrant. Welcome to Vibrant Equipment Lending Are you new here? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Find Your Financing Program Select your manufacturer below to view rates, promotions, and financing details tailored to your equipment lineup. Manitou & Gehl McCormick Vibrant Equipment Lending Wacker Neuson Vibrant Equipment Lending (VEL) Yanmar & YCENA McCormick Wacker Neuson Yanmar & YCENA Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Make REV Insurance part of every deal REV Insurance is a simple way to help protect your customers’ equipment and keep their loan secure. It’s built for real-world use and easy to include in the financing process. Be sure to introduce REV Insurance as part of every deal. You can review coverage details in the Quick Reference Guide . Learn more about REV Insurance Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See here for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

Vibrant's core values aren't just words on a poster in some conference room. They actually reflect the way we do business each day. Our values make us Vibrant We didn’t set out to write a manifesto about our organizational values. We just wanted to answer a simple question: Why do some people thrive at Vibrant, while others (equally qualified on paper!) don’t? The more we talked with the people who’d been here the longest or risen the fastest, however, the more we noticed a few qualities we all share. If you share them, too, let’s talk. Apply now We own every opportunity. In other words, we think a job description is just a starting point. When we see a member who needs help or a stressed-out coworker, we step in. When we see a better way to accomplish something, we try it out. If it works, we tell other people about it. We are open, honest, and authentic. We’re not afraid to speak up when we have a different opinion, and we don’t take it personally when we’re challenged. We try to be honest with each other when we disagree. Because those differences of opinion make us stronger. We are swift and relentless in the pursuit of greatness. Here’s what that looks like in action. After the Payroll Protection Program launched, our bankers worked through the weekend, fuelled by pizza deliveries and coffee, to respond to all the businesses who turned to us for help. We eventually processed more than $200 million in loans and helped save more than 21,000 jobs. We bring contagious energy. When you’re excited about the work you do, other people can't help but get a little excited themselves. That doesn’t mean you have to be an extrovert to work here. You just have to care about getting things right. We think, speak, and act for the collective good. We are mindful of all the stakeholders affected by our decisions, from our members and our communities to our colleagues and ourselves. They're in our core.

Make the most of your Vibrant account with these handy tools. Sign up for e-statements, request Skip-a-Pay on your personal or auto loan, and more. Bank your own way Find everything you need to manage your finances. View FAQs Set up online banking Securely access all your Vibrant accounts via your browser. Check your balances Pay bills Transfer money Enroll in online banking now The closest branch is your phone Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Android Download the Vibrant app on Google Play > Apple Download the Vibrant app on the App Store > Stretch your budget with Skip-a-Pay Short on cash because of unexpected expenses? With Skip-a-Pay, you can skip your monthly payment on your Vibrant vehicle or personal loan up to two times a year (non-consecutive months only). Request Skip-a-Pay More resources How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Shorten your to-do list E-statements Save a trip to the mailbox and get instant access to your statements when you receive them electronically. Sign up for e-statements Direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. How to set up direct deposit Bill Pay Save time and stay organized by paying your bills from one convenient place in Online Banking. Enroll in Bill Pay

Vibrant Members, find exclusive member-only offers for entertainment and events at Vibrant Arena at the Mark, Vibrant Music Hall, and more. The Vibrant Advantage Exclusive deals and discounts for Vibrant members only Not to brag, but you're kind of a big deal. Your Vibrant membership has granted you access to the VIP line. Check your inbox often for new offers and exclusive advantages. Not a member yet? We can fix that. Open an account New offers coming soon! Featured Offers Bush Get $10 tickets. Check your email for details! Luke Bryan Get $10 off each ticket. Check your email for details! Brooks & Dunn $10-$20 off each ticket

Bigger balance. Better rate. Still no hoops. Earn up to 4.25% APY* with Vibrant Elite Savings. Open an account Award-winning rates Two-time Wall Street Journal Buy Side award winner. The trophy's great. The rates are better. Your bank, in your pocket Deposit checks and move money anytime — all from your own device. Full banking access, zero branch required. High yields. No strings. Earn interest comparable to a high-yield CD without locking your money up — no penalties, no monthly fees. Open an account in minutes Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of August 12, 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 August 12, 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. See which rate your balance will get you Elite Savings Tier 1 Your first big balance deserves a rate that treats it that way. No requirements, no fine print — just a real return from day one. 3.50% APY* on balances $100,000 - $249,999 Rate increases automatically when you reach Elite Savings Tier 2. See more savings account rates > Elite Savings Tier 2 The reward for doing it right, for a long time. Your rate moves up automatically when you cross $250K — no application, no phone call. 3.75% APY* on balances $250,000 - $999,999 Rate increases automatically when you reach Elite Savings Tier 3. See more savings account rates > Elite Savings Tier 3 At $1M+, you have options. Here's what people with options keep coming back to: a rate worth moving for, and an account that stays out of your way. 4.25% APY* On balances over $1,000,000 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 Not at $100K yet? You're still in the right place. Elite Savings is designed for balances of $100,000 and above—but it's not the only way to earn more with Vibrant. Whether you're just getting started, building toward a savings goal, or looking for a better everyday banking experience, we offer high-yield checking and savings options designed to help your money work harder at every stage. Explore more accounts 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 August 12, 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+ 0.005% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.005% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.005% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.005% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.005% 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 August 12, 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 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. 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.

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.

Get in touch with us any time via phone, email, or secure messaging through the Vibrant mobile app. Need to get in touch? Current Vibrant members Send a secure message through your online banking app. We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, and 8:30 a.m. to noon on Saturday). New to Vibrant? Get started with an online application or schedule an in-person meeting . Become a new member Email us at hello@vibrantcu.org with any other questions Frequently asked questions I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report your debit card lost or stolen and it's after our regular business hours, please call 1-800-379-6724 to prevent unauthorized charges. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109. What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. For after hours support on your debit card, please call 1-800-379-6724 to prevent unauthorized charges. Send us a message Have an issue that involves personal or sensitive info? For your security, we can’t handle those types of requests over email—things like account problems, login troubles, or personal detail updates. Instead, reach out through the secure messaging option in online banking or give us a call. We’ll make sure you’re taken care of safely. *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.