Manage your QuickBooks or Quicken software Vibrant will undergo scheduled maintenance to our online and mobile banking system on February 4, 2025. This will require you to make changes to your QuickBooks or Quicken software. Please follow the instructions below to ensure a smooth transition. First action date: February 3, 2025 A data file backup and a final transaction download should be completed by this date. Transaction history may not be available after February 3, 2025. Second action date: February 5, 2025 You will need to deactivate and reactivate your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection. Conversion Instructions Choose the software you are using for step-by-step instructions on connecting your Vibrant accounts. Quicken QuickBooks Desktop QuickBooks Online Please carefully review your downloaded transactions after completing the instructions to ensure no transactions were duplicated or missed on the register. Previous Item Next Item

Schedule an appointment online to meet with a Vibrant banker at Vibrant HQ to open a new account, get a financial review, or make changes to your existing account. Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Schedule an appointment with a banker Trying to decide what product is right for you? Schedule time to talk with a Vibrant Personal Banker. Open a checking or savings account Meet one-on-one with a Vibrant banker to open a new checking or savings account at a time that works for you. Open an account > Open a Certificate of Deposit (CD) Set up time to open a CD with a Vibrant banker at our Vibrant HQ location. Choose the date or time that works best for you! Open a CD > Open an account for a minor Schedule an in-person meeting with a member of our team to open a new savings or checking account for a minor. Open a minor account > Add a specialty account (Trust, IRA, HSA, POA) Book time to meet with a member of our team for assistance with specialty accounts including Trusts, IRAs, HSAs, and Power of Attorney (POA) accounts. Get started > Financial wellness check‑in Meet with a member of our team to talk through your financial needs and explore products and services that may be a good fit for you. Book a meeting > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Get started > Decedent account services Meet with a member of our team for assistance with handling a deceased member’s account and related banking needs. Schedule a time >

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.

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

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

Finance your new or used vehicle with competitive rates through Vibrant Credit Union’s trusted dealership network. Fast, easy, and convenient auto loans to get you on the road. One Stop for Your Vehicle and Your Loan Enjoy a simple, streamlined financing experience — all handled right at the dealership. Find a dealership GetMyCash How it works Financing your next vehicle through Vibrant is simple, fast, and designed to keep everything in one place. Here’s what to expect: Visit a participating dealer— Head to one of our trusted dealerships (see list of dealerships ). Find your vehicle— Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot. Apply and get approved at the dealership— Complete your financing application right there with the dealer — no extra trips or paperwork. Drive away the same day— Once approved, you can take the keys and hit the road immediately. Manage your loan with ease— Track payments, view your balance, and stay on top of your loan anytime through your Vibrant online account or mobile app. Find a dealership We're proud to partner with some of the best dealerships in the region Kunes CDJR Belvidere 1615 N State St. Belvidere, IL 61008 McGrath Chevy CR 1600 51st St. Cedar Rapids, IA 52402 Yemm Chevy 2195 N. Henderson St Galesburg, IL 61401 Interested in becoming a dealer? Join a growing network of dealerships partnering with Vibrant to deliver simple, competitive vehicle financing—right at the dealership, with the support and speed your team expects. Learn more Competitive rates designed to fit your budget Convenient on-site financing apply and get approved at the dealership Money in your account fast with same-day funding available Fast, easy process no extra steps, just a smooth path to your next ride Manage your loan anytime directly through your Vibrant account and mobile app Managing your vehicle loan Buying a vehicle is exciting, but there are a few important things to keep in mind after you drive off the lot: Submit proof of insurance While you're paying off your Vibrant loan, the financed vehicle must maintain full coverage insurance. Send us the declarations page from your insurance provider—visit www.myinsuranceinfo.com or c all 800-523-6404. Questions about y our vehicle title Vibrant holds your vehicle title until the loan is paid in full. If you have questions about title status, our team can help guide you through the process. Optional Vehicle Protection Products If you need to cancel ancillary product—such as extended warranties, GAP coverage, or service contracts—contact the dealership or product provider where the coverage was purchased. If you're unsure who to contact, our team can help point you in the right direction. Find a dealership Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes! You can check your balance, make payments, and set up recurring payments online through our Loan Payment Portal. You can also make payments and view your other Vibrant accounts through Vibrant Online Banking. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Click here for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my vehicle? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. Early Pay Off What products may be affected when I pay off my loan early? If any of the following products were financed into your vehicle loan, they may be eligible for a refund of unused premiums upon early payoff: GAP Insurance Credit Life/Disability Insurance Vehicle Service Contracts (VSCs) These products were sold through the dealership at the time of your vehicle purchase and financed as part of your loan. Contact us if you are unsure which products are attached to your account. What will Vibrant Credit Union handle for me? Vibrant Credit Union will promptly initiate cancellation on your behalf for GAP Insurance and Credit Life/Disability Insurance . You do not need to contact those providers directly. If you have questions about the status of a refund for these products, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org . Do I need to do anything myself? Yes, for Vehicle Service Contracts (VSCs) you will need to contact the provider directly to request cancellation and any applicable refund. We recommend reaching out as soon as possible, as refund eligibility may be subject to deadlines set by each provider. Before you call, have the following ready: Your loan account number Vehicle Identification Number (VIN) Loan payoff confirmation Please note : Cancellation of these products is entirely optional. If your Vehicle Service Contract still provides value for your vehicle, you are under no obligation to cancel. The decision to retain or cancel coverage is a personal one based on your individual needs and circumstances. We encourage you to review your coverage terms before making any changes. Where will my refund go? For products cancelled by Vibrant Credit Union, any refund received will be credited to your eligible Vibrant account. If you do not have an active account with us at the time the refund is received, a check will be mailed to the address on file. For products you cancel directly with the provider, the refund destination will be determined by the provider's process. How long does the refund process take? Vibrant Credit Union will initiate cancellations promptly upon receiving your payoff confirmation. The timeline for receiving a refund depends on the individual product provider's processing schedule, which is outside of our control. If you have questions about the status of a refund, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org . I closed my Vibrant account when I paid off my loan. How will I receive my refund? If you do not have an active Vibrant account at the time a refund is received on your behalf, we will mail a check to the address on file. Please make sure your mailing address is current. You can update your address by contacting our Loan Operations Department at (800) 323-5109, by email at indirectcancellations@vibrantcu.org , or visiting vibrantcreditunion.org . Who do I contact if I have more questions? Our Loan Operations Department is happy to help. Reach us by phone at (800) 323-5109, by email at indirectcancellations@vibrantcu.org , or visit vibrantcreditunion.org for additional resources.

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

Payday, but earlier. Get paid up to 2 days early with eligible direct deposit into your Vibrant account. Open an account Open an account Choose high-yield checking and savings designed to help your money earn more from day one. Set up direct deposit Connect your paycheck or benefits so your money goes straight to your account automatically. Get paid early Receive eligible direct deposits up to 2 days early¹—so your money shows up when you need it. Let's get started See how you can earn more with Vibrant Compare our rates with other banks, and it’s easy to see why we lead the way. Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of July 1, 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 July 1, 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. Find the right account for you Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 3.75% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No minimum debit card transactions required No direct deposit required Get paid up to 2-days early with eligible direct deposits¹ Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Open an account in minutes Better banking. No strings. Banking should be simple—and actually work in your favor. That’s why this account skips the typical limitations: No monthly service fees No minimum balance requirements No transfer or withdrawal limits Open an account now > Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of July 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+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of July 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. 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. 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.