Read our privacy policy to see how Vibrant protects your personal information and how to restrict access to yours. Our Privacy Notice Vibrant Credit Union | P.O. Box 1550, Moline, IL, 61266-1550 | 800-323-5109 Revised October 2025 To opt out, click here . Download a PDF of our privacy policy. FACTS What does Vibrant do? How? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Vibrant Credit Union chooses to share, and whether you can limit this sharing. What? The types of personal information we collect and share depend upon the accounts, products, and services you have with us. This information can include: Name, address, Social Security Number, and income Account balances and payment history Credit history and credit scores Why? Financial companies choose how they use your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Get help managing your financial portfolio from Vibrant's own certified financial advisers. Make an appointment today. You can become a Vibrant member no matter where you work or live* We welcome all U.S. citizens and permanent residents. To get started, choose the category that describes you I'm already a member Hey there! Because you're already a member, you don't need to go through all the red tape to open an additional account. See for yourself how easy it is! Get started I live or work in Iowa Do you live in or work for a business in one of these eligible Iowa counties ? You automatically qualify for membership. Open an account I live or work in Illinois Do you live in or work for a business in one of these eligible Illinois counties ? You automatically qualify for membership. Open an account I live or work in Wisconsin Do you live in or work for a business in Grant , Green , or Lafayette County ? If so, you automatically qualify for membership. Open an account I want to be a part of the Be The Good Foundation. Become a Friend of Vibrant’s Be The Good Foundation. We’ll make a $5 donation on your behalf to support financial literacy, youth life skills, and strengthen communities through grants, volunteers, and partnerships. Open an account I live or work in Indiana Do you live in or work for a business in Fountain , Vermillion , or Warren County ? You're welcome to join. Open an account I'm a member of an association that Vibrant partners with Are you a member of one of these eligible associations ? Not sure if this applies to you? Get in touch and we'll check to see if you qualify! Open an account I want to join the Illinois Consumer Council The Illinois Consumer Council (ILCC) is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers—and its members are automatically qualified for Vibrant membership, too. Open an account I'm not sure! Help! There are other ways to qualify for membership. Contact us at 1-800-323-5109 to discuss your eligibility or apply for membership online. Get started * Pursuant to Vibrant’s current eligibility requirements, which may include Field of Membership and internal policies.

When life happens, our life event loan can help. Get cash in minutes—no credit check required. GetMyCash Real-time cash when you need it most—no credit check required. Apply now 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? Apply now 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.

Your Vibrant deposits are insured up to $250,000 per account holder. If you keep your IRA here as well, that deposit is separately insured up to $250,000. How we protect your money When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? Security The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Government protection IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Your retirement is covered For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage. Using more accounts for more coverage

Learn how my interest is calculated 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 approximately 33 cents in interest at the end of the month. Interest dividends are paid to your account at the end of every month. On our Savings Accounts , interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of, say, $104.35 in a Preferred Savings account, you'll earn 4.00% APY on that amount. Previous Item Next Item

Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Will a checking account affect your credit score? Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Does opening a checking account affect my credit score? Even though opening a checking account is usually the first box you check when you first take steps into the financial world, the cold hard truth is that your credit score does not care. As far as your credit score is concerned, your deposits and withdrawals are your business. There are a handful of exceptions, though. The lender you open your account with may perform a hard inquiry on your credit report. To be clear, this isn’t the norm. Most financial institutions will only make a soft inquiry before opening a new checking account. Soft inquiries have no impact on your credit score, but a hard inquiry could drop your score a few points. Lenders have also been known to make hard inquiries if you sign up for overdraft protection. On that same note, not signing up for overdraft protection and then overdrawing your checking account could impact your credit score. Should you fail to repay the amount in a timely fashion, the lender could turn the matter over to a collections agency. The same thing could happen if you close your account with a negative balance and don’t pay the lender back. Long story short, your credit score is not as excited as you are about your new checking account, but it will be paying attention if you mismanage that account. What affects my credit score? What exactly is a credit score? And who exactly is keeping score? Two good questions that not everyone knows the answer to — even if they might pretend like they do. “Credit score” is such a common financial term today that many people never even question it, when actually understanding how it is calculated can help you boost your score. Credit bureaus are the ones who calculate your credit score. Each of them has their own unique algorithm for calculating credit scores and they are all as tight-lipped as a magician’s assistant when it comes to revealing the specific math behind their algorithms. But what we do know is that five basic financial categories are the keys to determining your score: Payment history. Your payment history accounts for 35% of your credit score. Credit utilization. The amount of credit you have available to you and the percentage of that credit you are using regularly accounts for 30% of your score. Length of credit history. The age of your accounts is 15% of your credit score. The longer your credit history, the better your score, usually. Types of credit. The different types of credit you utilize — credit cards, mortgages, auto loans, etc. — accounts for 10% of your score. New credit. The final 10% of your credit score is determined by how many new lines of credit you have applied for. Opening multiple new accounts in a short period of time can be seen as a sign of financial troubles to a lender. What is a good credit score? Your credit score is a number between 300 and 850. If your score is less than 600, you have what is considered a poor credit score. The sweet spot is between 661 and 780, which is where the good credit scores live. If you’re an overachiever, aim for 781 or higher. If ever you find yourself with a credit score higher than 781, you have done pretty well for yourself. You deserve a gold star, but you’ll have to settle for a great credit score instead. If you are interested in opening a new checking account or have questions about your credit score, please get in touch with us . Math is our specialty! Next Item Previous Item

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

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

Plan your next visit to Rock Island, IL - ATM only. Get hours, services, and driving directions. Rock Island, IL - ATM only 2365 11th St Rock Island, IL 61201 United States (800) 323-5109 Get directions ITM (digital banking) hours Services Cash-dispensing ATM FAQ

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