See all our current job opportunities at Vibrant. We'd love to talk with you! Open Positions You deserve a great place to work. We’ve worked hard to create a culture that inspires people to do great work every day. We want you to feel energized and empowered by the work you do, whether you’re working directly with members or supporting the people who do. See why our employees love working here

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

Find affordable options on mortgage and refinances through Mortgage Center, a credit union-owned mortgage company. See current rates. Get a great rate on your new home Financing a home is easier than you think with help from Mortgage Center. Get started Meet the homebuying experts at Mortgage Center Vibrant is pleased to introduce you 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. 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. Today's rates See all mortgage rates * APR = Annual Percentage Rate. APR is accurate as of today's date and is subject to change without notice. Rates and terms vary based on credit profile, loan amount, and property type. All loans subject to credit approval. Get a great rate on your new home Financing a home is easier than you think with our partners at Mortgage Center. Get started Talk to Mortgage Center Wondering how much money you'll need to purchase a home? Or whether you even qualify for a home loan? No matter where you are in the homebuying process, Mortgage Center is ready to help. To get started, submit the form below. Don't worry, this isn't an application—just the start of a conversation.

And how to know when you can keep scrolling How to Know When a Financial Tip Online Actually Applies to You And how to know when you can keep scrolling Scroll any social feed long enough and you’ll see it: “Everyone should be doing this with their savings.” “If you’re not using this account, you’re leaving money on the table.” “This one move changed my finances forever.” Some of it is solid advice. Some of it isn’t wrong, exactly. It’s just not right for you . And that’s the part that doesn’t get enough airtime. Because here’s the truth: good financial advice is rarely one ‑ size ‑ fits ‑ all (even when it’s trending). If you’ve ever wondered whether a money tip you saw online actually applies to your life (or whether you can safely ignore it), you’re not behind. You’re paying attention . And that’s a good place to start. Why So Much Financial Advice Feels Urgent (and Generic) A lot of online financial content is designed to do one thing: catch attention fast. That leads to advice that’s extremely simplified, framed as universally applicable, and delivered with a sense of urgency (“Do this now!”). The problem? Personal finances are, well… personal. Your income, goals, risk tolerance, timeline, and comfort with technology all matter. Advice that works beautifully for someone in their 20s with flexible expenses may be totally unhelpful (or even stressful) for someone with a different setup. Urgency gets clicks. Context gets results. Unfortunately, context doesn’t always fit neatly into a reel. A Simple Rule of Thumb Before You Take Any Financial Advice Before acting on a tip, ask yourself this one question: “What assumptions is this advice making about my life?” You’d be surprised how quickly things become clear when you slow it down. A lot of financial advice quietly assumes things like: Your income looks the same month to month Moving money requires effort or delay You have to choose between access and growth Money should sit still to work effectively None of those assumptions are good or bad. They’re just assumptions. If advice only works when life is predictable, money is hard to move, or access comes at the expense of earning, it may need adjusting (or skipping altogether). The best guidance fits how you already live —not how someone else says you should. Signs a Financial Tip Might Actually Be Helpful Not all online advice is noise. Some of it is genuinely useful (especially when it checks these boxes): It explains why , not just what It allows for tradeoffs It gives options , not ultimatums Good advice respects context (and the fact that real lives are rarely perfectly optimized). Signs You Can Probably Scroll Past It’s okay to let go of advice that sounds like: “Everyone should be doing this” “If you don’t have this, you’re behind” “This works for anyone, no matter what” Financial confidence doesn’t come from copying someone else’s setup. It comes from understanding your own. How to Personalize General Advice (Without Overthinking It) If a tip seems interesting but not obviously relevant, you don’t have to accept or reject it outright. Try this instead: Match it to your goal (growth, stability, convenience, or security) Check the timeline (short‑term flexibility or long‑term payoff) Consider how hands ‑ on it requires you to be If it doesn’t fit your life right now, that’s useful information, too. Why It’s Okay to Ignore “Popular” Financial Advice There’s a lot of pressure online to optimize every dollar, every account, every decision. The implication is that standing still is falling behind. But here’s something worth saying out loud: The best financial setup is the one you can actually live with. It’s okay if: You prefer simplicity over constant optimization You value access as much as growth You choose fewer tools instead of more Confidence grows when your system works for you (not when it looks impressive on the internet). One Last Thought Financial advice is a tool, not a test. You don’t earn points for following it perfectly, and you don’t fall behind by choosing differently. The goal isn’t to do what everyone else is doing. It’s to make decisions that support your life, your priorities, and your peace of mind. If a tip helps with that? Great. If not? Keep scrolling. That’s not apathy, it’s judgment. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected Read More > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job.

Open a high-interest personal checking or savings account in minutes and start earning today! Put your money in motion. Earn more on the money you use today—and the money you’re setting aside for whatever comes next. Start earning more now Award-winning rates Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant. Money that moves with you Deposit checks, pay bills, transfer funds and check your balances anytime through mobile banking. No unnecessary obstacles With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Open an account in minutes One account for now. One account for what's next. Premier Checking Keep your everyday money moving with high-yield checking and no hoops to jump through. 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 + Preferred Savings Build momentum toward what’s next with high-yield savings and no complicated restrictions. 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 Looking to open an account for over $15k? See more high-yield savings account options > Open an account in minutes 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 October 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 October 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. For balances up to $15,000 the account earns 4.00% APY. For balances of $15,000 or more, the account earns 0.75% - 4.00% APY. 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. More ATMs. More places to get cash. Vibrant members have access to 37,000+ surcharge-free ATMs nationwide through the CO-OP Network. Just use your Vibrant debit card at a participating ATM. Find one near home, across town, or wherever you are with the CO-OP ATM Locator . Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find a surcharge-free ATM 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. Open an account in minutes 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 October 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+ 0.005% 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 October 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.

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 3.75% APY* on your balance up to $25k. That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Earn 3.75% APY* on your balance up to $25k That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking No fees. No surprises. Skip the monthly fees and minimums. Keep more of your money where it belongs. Banking that moves with you From mobile tools to ATM access , everything you need to manage your money confidently. Your paycheck, but early Get paid up to 2 days early on eligible direct deposits¹—so you can send, save or pay bills sooner. Which account is right for you? Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No monthly fees No minimum balance required No minimum monthly debit card transactions required No direct deposit required Get paid up to 2-days early with eligible direct deposits ¹ Dividends paid monthly Federally insured by NCUA Featured rate 3.75% APY* on balances up to $24,999. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No monthly fees or minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. Open a checking account More ATMs. More places to get cash. Vibrant members have access to 37,000+ surcharge-free ATMs nationwide through the CO-OP Network. Just use your Vibrant debit card at a participating ATM. Find one near home, across town, or wherever you are with the CO-OP ATM Locator . Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find a Surcharge-Free ATM Get paid up to 2 days early. Why wait for payday? With direct deposit, eligible paychecks may arrive in your account up to 2 days before your scheduled payday. It's a simple way to access your money sooner and make payday even better. See how it works 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 October 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. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app 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 on Premier Checking? 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 rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month. 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.

Welcome, Modern Woodmen of America! Check out these helpful videos to get started with your Chapter account. Getting Started with Your Vibrant Chapter Account Desktop How to log in for the first time: Navigating online banking: Ordering checks: Mobile How to log in for the first time: Navigating online banking: How to make a mobile deposit: 5 tips for making mobile deposit easier:

Vibrant started the Be The Good Foundation to build and sustain vibrant communities throughout Iowa and Illinois. Be The Good Foundation Empowering Our Communities Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. BE THE GOOD FOUNDATION Empowering Our Communities Our Vision To be a driving force for positive change—fueling communities with funding, volunteer support, and opportunities to thrive. We envision Vibrant communities where people grow together, opportunities abound, and compassion leads the way.  Our Mission We fund projects and programs that boost financial literacy, equip kids with essential life skills, and create thriving communities. We do this with purpose and heart, rooted in our belief that when people and organizations come together for good, everyone benefits.  Groups We Support Be The Good Foundation particularly focuses on organizations and initiatives that support: Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. Our Core Values We love our communities and want to make them even better. We’re proud to be a part of the communities we serve. These aren’t just places on a map—they’re home. We believe that when you care deeply about a place, you do your part to help it grow, improve, and thrive. Whether that means supporting grassroots programs and projects, investing in local leadership, or simply showing up where we’re needed, we are here to uplift and empower. Our communities deserve to flourish, and we’re committed to being a part of that transformation every step of the way. We believe in good—doing good, being good, and spreading good. In a world that can often feel divided or heavy, we choose to lead with hope and positivity. We intentionally support programs and projects that are doing good in their pocket of the world—because we believe those efforts ripple outward in powerful ways. To us, “good” isn’t just an abstract idea. It’s about showing kindness, standing up for others, lending a hand, and doing what’s right, even when it’s not easy. By consistently choosing good, we hope to inspire others to do the same—and together, create a more compassionate and connected world. We’re here to help people. Helping others is at the heart of who we are. It’s not about grand gestures or recognition—it’s about meeting people where they are and supporting them in ways that truly matter. We believe that no act of help is too small. Whether we’re backing nonprofit organizations with innovative solutions, responding to urgent community needs, or simply making life a little easier for someone facing a tough time, we approach every effort with care, compassion, and the belief that every person is worth investing in. When people feel seen and supported, they can rise—and that’s the kind of world we want to build. We’re hopeful and optimistic. We see so much good happening around us—nonprofits doing extraordinary work, volunteers stepping up with heart, and communities coming together with courage and resilience. That gives us hope. We choose to believe in what’s possible, even in the face of challenges. Our optimism isn’t naïve—it’s rooted in the real, tangible work being done by people and organizations who care deeply and work tirelessly. That’s why we support them. They inspire us daily, and we believe their efforts are building a brighter, more vibrant future for everyone. We bring joy to what we do. Joy is a driving force in our work. Yes, we tackle serious issues—but we also believe that joy, gratitude, and connection make our efforts even more impactful. We celebrate the wins, cherish the partnerships, and find meaning in the small moments. When you love what you do and believe in why you’re doing it, joy becomes a natural part of the process. It fuels us, lifts others up, and reminds us that even in the hardest work, there’s room for light and celebration. We care about real results. We’re not just here to feel good—we’re here to do good, and to do it well. That means staying focused on the outcomes that truly make a difference in people’s lives. We want to see positive change that lasts—more access to opportunities, stronger support systems, healthier and wealthier communities. That’s why we support initiatives that are strategic, measurable, and seek real impact. When we give, we give with purpose. And we expect our partners to do the same, because our ultimate goal is lasting, meaningful progress—not just quick wins. Integrity matters—always. We believe that integrity is the foundation of everything. It builds trust, ensures accountability, and creates the conditions for real change. We hold ourselves to high ethical standards in everything we do—from how we select and support our grantees to how we communicate with our community. And we ask the same of those with whom we partner. Doing good isn’t just about the results—it’s also about how we get there. Integrity means being transparent, honest, and consistent, even when no one is watching. It’s nonnegotiable for us, and essential to the kind of impact we want to make. Our Board Tiffany Haedt President Megan Anderson Vice President Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Ready to get started? Apply for a Grant Eligibility Requirements We welcome proposals for conforming programs that align with our values and priorities. Please check our Grantmaking Guidelines to see if you're eligible to apply. Need More Information? Have questions about the process or want to request more information about the Be The Good Foundation? Request more details Grantee Forms & Resources Small Grant Proposal Regular Grant Proposal Cover Form Regular Grant Proposal Cover Form for Renewing Due Diligence Due Diligence Questionnaire Organizational Changes Supporting Documentation Supporting Documentation for Renewing Applicants Request to Support a Program Small Grant Report FAQ

Learn more aboutDeposit a check Deposit a check There are three ways to deposit a check: at a Vibrant branch, at Vibrant ATMs located at our Moline ( South Park and Vibrant HQ ) branches, or via the Vibrant mobile app. Download the mobile app for Anroid or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit Only.” Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. Previous Item Next Item 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 > Additional resources

Find a business credit card with a low rate, cash back, or flexible rewards. Whatever your priority, we have the business credit card for you. Apply now. Find a card that works hard for your business Explore business credit cards Free online expense reporting tools Mobile purchasing for added convenience 24/7 cardmember services Find the right card More business credit cards, more options Whether you want a low rate, cash back, or flexible rewards, there's a card to fit your needs. Whichever you choose, you can count on these great features. Find the right card Frequently asked questions Where do I send my credit card payment? Starting in March 2025, Elan Financial Services will handle service and processing for all Vibrant Mastercard accounts. Watch your mailbox for communications from them about your account. Access your account now. I already have a Vibrant Business Mastercard, but I'm interested in a different rewards program. Can I change cards? You can choose from a variety of cards and rewards programs based on your interests and financial needs. Explore all your card options. Where can I find your interest rates? See the latest rates on all your credit card options to find the one that's best for you. Is there an annual fee for these credit cards? Most business credit card options are available without an annual fee. However, some premium rewards programs may charge a fee. Get the details. *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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

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 Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected Read More > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job.