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

Add external accounts instantly Add your checking or savings account with an external financial institution to your Vibrant dashboard in a matter of minutes with our new upgrade. Scroll below to check out the desktop and mobile directions. Note: The names on the accounts you're linking must match. On Your Phone Sign in to your mobile app . Click the Transfers widget.Note: The tab bar on iOS devices may display differently on your settings. Additional widgets will display by clicking the More widget. Tap the Add Account option. Tap the External Account tab at the top. Select the Add account instantly option. Select from one of the financial institutions listed or search for yours in the search bar below the list. Log in to the external financial institution's account. Select one or more accounts to add for transfers and click the Submit button. The Verify screen will display. Click the Continue button. Once the accounts are verified, they will immediately be made available. Hitting an error message? Don't worry; you can still add your account manually ! On Your Computer Sign in to online banking. Not enrolled yet? Click here . Navigate to the Transfers widget here . Note: The widget menu may display differently based on your settings. Additional widgets will display by clicking the More... widget. Click the Classic tab on the top. Click Add an account to make a transfer link. The Add an Account window will display. Click Add an account instantly. Select from one of the financial institutions listed, or search for yours in the search bar below the list. Log in to the external financial institution's account. The Verify screen will display. Click the Continue button. Once the accounts are verified, they will immediately be made available. Hitting an error message? Don't worry; you can still add your account manually ! Previous Item Next Item

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

Download our app For Apple Users On your iPhone or iPad, open the App Store app. In the bottom search bar, type Vibrant Credit Union. Tap the "Get" button Confirm the installation with your side button and double tap to install. Use your online banking credentials to sign in. Not signed up yet? Get started here . From Google Play Open Google Play.On your device, use the Play Store app On your computer, go to play.google.com . Search for "Vibrant Credit Union" Tap Install Previous Item Next Item

Add Vibrant to your digital wallet If you never leave home without your smartphone, at least you can leave home without your wallet. Your Vibrant debit or credit card works with Apple Pay, Google Pay, and Samsung Pay. No more swiping! Apple Pay Open the Wallet app and tap the plus (+) sign to add a new card. Enter your card number, expiration date, and CVV code and tap NEXT. Vibrant will automatically verify your card info. To pay from your phone, wave your phone in front of any contactless card reader or tap it against the ))) symbol. Google Pay Open the Google Pay app and tap the +ADD TO WALLET button. Choose PAYMENT CARD, then ADD NEW PAYMENT CARD. Enter your card details manually or use your phone camera to automatically scan your card. Vibrant will automatically verify your card info. To pay from your phone, hold it against the contactless payment symbol on the card reader. Boop! You're ready to go. Samsung Pay Open Samsung Pay on your phone. Tap MENU (the three horizontal lines) in the top left corner, and then tap CARDS. Tap ADD CARD (look for the icon with a credit card with a plus sign). Tap ADD CREDIT/DEBIT CARD. Follow the instructions to register your card. When you add a card, you must agree to the card's terms and conditions. Vibrant will verify your card info. That's it! Hold your phone against any contactless card reader to pay. Previous Item Next Item

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

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. 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.

Why there are two numbers (and what they actually mean) APY vs. Dividend Rate Why there are two numbers (and what they actually mean) If you’ve ever looked at a savings account and thought, “Wait… why are there two different rates?” — you’re not alone. APY. Interest rate. Dividend rate. It can feel like we’re all speaking slightly different versions of the same language. The good news? It’s actually way simpler than it sounds. Are these actually different things? Not really. Interest rate is the term most banks use. Dividend rate is what credit unions use (because you’re earning a share of earnings as a member) Functionally, they’re the same thing: the base rate your money earns So what’s going on with the two numbers? It comes down to this: Dividend rate (or interest rate) = the base percentage your money earns APY (Annual Percentage Yield) = what you actually earn after compounding kicks in Let’s simplify Dividend Rate This is the starting point. It’s the rate used to calculate your interest. A simple snapshot of what your balance earns before anything has time to build. APY This is the real outcome over a year. Because in real life, your interest doesn’t just sit there—it gets added to your balance, and then it starts earning too. That’s compounding. In simple terms: APY shows your money growing on top of itself. It’s like this... Think of it like your paycheck: Dividend rate = your hourly wage APY = your full paycheck after overtime Your hourly wage tells you where you start. Your paycheck shows what you actually take home after everything adds up. What that looks like in our accounts When we say you can earn 4.00% APY*, we’re talking about the full picture— what your money can earn over the course of a year as it compounds. But every story has a starting point. We start with the dividend rate because it’s the rate used to calculate your interest in the first place. Remember, think of the dividend rate as a snapshot . APY is the full story —after your money has had time to build, stack, and grow on itself. The short version Two numbers. One story. The dividend rate tells you where your earnings begin. The APY shows where they can go over time And honestly? We can show you how your money starts growing. But the best part? That’s just page one. Previous Item Next Item

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 Security 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? Government protection 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. Your retirement is covered 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. Using more accounts for more coverage 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.

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

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.

Vibrant employees get all the usual benefits, including affordable health, dental and vision care. But there's a lot more, from time off to volunteer to tuition reimbursement. Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Add a Title Look forward to going to work Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. Apply now Go out and make a difference Paid time off for volunteering Get 8 hours a year to contribute to the organization of your choice. Participate in a neighborhood clean-up, help out at a community event, volunteer at a shelter. Leadership development Every year we offer two different courses to help our employees collaborate better, prove themselves with special projects, and take their leadership skills to the next level. Keep yourself and your family healthy Medical Get affordable Blue Cross Blue Shield coverage for yourself, your spouse, and your family. PPO plan with low physician co-pays, savings on prescriptions, and a lower deductible HSA options with lower monthly premiums that enable you to pay out-of-pocket health costs using tax-free contributions to your health savings account Dental Save big on preventive care, major services, even orthodontics for the kids. PPO plan allows you to choose your own dentist Flexible plans built to cover just you, or everyone at home. Vision Get low-cost annual vision exams plus great savings on lenses, frames, and contact lenses. Includes laser vision correction through a network of providers Individual and family coverage available. Prepare for a secure financial future 401(k) retirement plan Automatically contribute to your plan each paycheck, up to the IRS maximum limit. Choose between traditional (pre-tax contributions) and Roth (after-tax contributions, with no taxes when you withdraw) options Create a custom portfolio from a range of leading mutual funds from top investment firms Vibrant will match your 401(k) contribution dollar for dollar, up to 6% of your salary Basic life/AD&D insurance All eligible employees receive group life insurance coverage for themselves and their eligible dependents at no additional cost. Employee: Benefit pays twice your annual salary, up to $350,000 Spouse: $10,000 benefit Children: $5,000 benefit Apply now Supplemental life insurance You can also purchase additional life insurance, based on your age and the amount of coverage you want, for yourself and your family Employee: Up to $500,000 (in increments of $10,000 only) Spouse: 50% of employee coverage, up to a maximum of $150,000 Children: $1,000 - $10,000 (in increments of $1,000)