Easy banking that scores every time. Managing your sports team's finances shouldn't be a challenge. Our banking solutions are tailored to simplify banking for teams, leagues, and clubs. With easy online and mobile banking, and friendly local support , you can concentrate more on winning and less on banking. Save your energy for the game while we help you save money and expand your team's budget. Checking Savings Large interest rates for your little league. Get started Think your bank can beat our rates ? Checking 3.00% APY* Savings 3.25% APY* *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. Community 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. Balances less than $50,000 earn 3.00% APY. Balances greater than $49,999.99 earn between 1.00%-3.00% APY. Focus on your team and we'll take care of the rest. Get industry-leading interest rates No hidden fees or transaction limits 24/7 mobile account management Experienced support team Still don’t believe us? Here’s how those numbers could stack up for you. $25,000 savings account size x 3.25% APY* = $811.84 earnings per year *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 for what a Community Savings account could earn after a year 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. Our current product offerings: Open a checking account now Community Checking 3.00% APY* Open a checking account Community Savings 3.25% APY* Open a savings account Here's what you get when you bank with Vibrant. Earn interest with market-leading rates Free online banking with mobile depositing ACH payments enabled (bills & payroll) Includes debit card Write unlimited checks Dividends paid monthly Federally insured by NCUA No monthly service fees No transfer/withdrawal limits No minimum balance requirements No direct deposit requirements No check clearing limits or transaction limits Gain membership access to our nationally-ranked CD rates Flexible credit card options Insured Money Market Accounts for balances up to $15M Relevant resources we've found for you. Forget Google—we've dug through the internet ourselves to find resources that can be helpful to new and experienced small business owners. Choosing a legal structure Is a 501(c)(3) or an LLC a better fit? Setting budget goals What’s the best strategy for setting your budget? Sourcing volunteer coaches Where’s the best place to find good coaches? Who can open an account? A ny sports club that is legally formed and operates in the United States can open an account. You'll need to provide your legal business name, legal address, business tax ID number, and the date your club was established. All of your account representatives—that is, the people who are authorized to conduct transactions on the organization's behalf—must be at least 18 years old and reside in the U.S., either as citizens or permanent resident aliens. How do I get a business tax ID number? You can apply for an Employer Identification Number through the IRS—even if you don't have employees. When you apply online, you can receive your EIN immediately after completing the application. Get an EIN » What do I need to open an account besides a business tax ID number? That depends on the structure of your business. You'll need to provide documentation that confirms your structure, whether that's articles of incorporation, organizational bylaws, or meeting minutes. Each of your account representatives will also need to provide a copy of their government-issued ID. Don't worry—these can be submitted as digital photos. How much money will I need to deposit? To join Vibrant, all organizations must open a Business Membership Savings Account with a $5 deposit. Our checking and savings accounts have no minimum opening balance. For detailed information on our business rates and service charges, please refer to our rates page . My club goes through signer changes frequently. Will it be difficult or time consuming to get signer changes completed? Great news! Our dedicated Relationship Managers are here to help with any changes you need. We make signer changes quick and hassle-free. With our extensive experience, we understand how frustrating these changes can be. We'll work closely with you to ensure the process is smooth and maybe even enjoyable! Moving accounts from another bank seems daunting. How can Vibrant help me transfer my club accounts? We know that moving accounts can feel overwhelming. At Vibrant, we're committed to making the process as seamless as possible. Our team will guide you through every step to ensure a smooth transition for your club accounts. You'll have a dedicated Relationship Manager, and our small but mighty team is always accessible via direct line and group email inbox. With over 30 years of combined banking experience, we've got you covered. (Did I just age myself?) More questions? We have answers. Ready to get started? Let’s partner up together. Open an account

Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Moline, IL — February 26, 2026 Be The Good Foundation proudly presented its inaugural grant to Living Lands & Waters , marking an exciting milestone in the Foundation’s mission to strengthen and serve our communities. Living Lands & Waters, a nationally recognized environmental nonprofit dedicated to river cleanups, watershed conservation, and community engagement, was selected as the Foundation’s first grant recipient in recognition of its meaningful impact and ongoing commitment to protecting natural resources. The $500 grant was formally presented during a check ceremony with representatives from both organizations. The event celebrated a shared commitment to service, stewardship, and creating positive change. “Launching Be The Good Foundation with Living Lands & Waters as our first recipient reflects exactly what we stand for — action, impact, and community,” said Tiffany Haedt, President of Be The Good Foundation. “We are proud to support organizations that are making a tangible difference.” Be The Good Foundation was established to invest in initiatives that uplift communities, support meaningful causes, and embody the spirit of doing good in both big and small ways. Now Accepting Grant Applications Be The Good Foundation invites nonprofit organizations and community groups to submit grant requests via the Vibrant Credit Union website. Organizations with missions aligned to community improvement, service, and positive impact are encouraged to apply. To learn more or submit a grant request, visit the Be The Good Foundation page . Together, we can continue to build stronger communities — one act of good at a time. About the Be The Good Foundation Be The Good Foundation, founded by Vibrant Credit Union, supports programs that expand financial literacy, empower young people with life and career skills, and strengthens communities. The foundation operates with a simple belief: when you put more good into the world, the world responds in kind. About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union built on strong roots and a forward-looking mindset. Vibrant delivers competitive deposit rates, intuitive digital banking, and fast, flexible money movement designed to make everyday finances easier. Beyond products, Vibrant is deeply committed to giving back — supporting nonprofits, strengthening communities, and championing its call to Be The Good through meaningful partnerships and measurable impact. Because great financial tools matter, but what you do with them matters even more. Previous Item Next Item

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

New to Manitou & Gehl Financing with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Manitou & Gehl's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Manitou & Gehl to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

Enable second-factor authentication (2FA) When you use 2FA, you’ll automatically receive a verification code via text or email when you try to log in to your Vibrant account. Before you can access your information, you’ll have to enter that code into your smartphone or browser. 2FA verification codes are set to expire within 10 minutes, and they change every time you request one by logging in. Step 1: Log in to your Vibrant account. Log in from your browser or use the Vibrant mobile app (available for Apple or Android ). Step 2: Access your security settings. For mobile app users Select MORE from the options listed across the bottom of the screen. Select FULL SITE. Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Choose the channels through which you prefer to receive your verification code (text, email, voice call). For browser users Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Choose where you want Vibrant to send your verification code (text, email, voice call). Previous Item Next Item

New to Yanmar Finance with Vibrant? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Go to portal Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of March 16, 2026. For rates with a credit score below 660 or low-rate financing options with either a consumer down payment or dealer participation, talk with your relationship manager. Credit tier A+ (820+) A (780–819) B (740–779) C (700–739) D (660–699) 36 months 5.99% 5.99% 5.99% 6.99% 9.99% 48 months 5.99% 5.99% 5.99% 6.99% 9.99% 60 months 5.99% 5.99% 5.99% 6.99% 9.99% 72 months 5.99% 5.99% 5.99% 6.99% 9.99% 84 months 6.99% 6.99% 6.99% 8.99% 10.99% 96 months 6.99% 6.99% 6.99% 8.99% 10.99% 120 months* 6.99% 6.99% 6.99% 8.99% 10.99% *"APR" = "Annual Percentage Rate." The above rates assume a Loan-to-Value ratio of 80% or less (add 1.00% for LTV 80.01-110% or add 3.00% for LTV above 110%). Not all buyers will qualify. **Loan Term is determined based on the amount financed - $15,000 loan minimum/120 month. Standard Financing for Used Equipment We now offer financing for used equipment, too—annual percentage rates ("APR") are one (1) percentage higher than standard financing for new equipment. Loan terms and amounts are based in part on the age and/or total usage of the equipment being financed. Age/Hours Max Term <500 Hours 84 <5 Years 84 6–10 Years 72 501–1000 Hours 72 11+ Years 60 1001+ Hours 60 Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is Yanmar's exclusive loan processing and servicing partner for individual consumer and small business in the United States. We're here to make it faster and easier for your customers to get the financing they need to complete their purchases — and give you immediate access to funds. We worked closely with Yanmar to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See the table above for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign. Questions about insurance? REV Insurance offers simple, dependable protection for your customers' equipment. Learn more about REV Insurance

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

Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Easy Ways to Add Money to Your Account Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Here are a few simple ways to get started: Transfer Money from Another Bank Already have funds elsewhere? You can move them over in just a few steps using online or mobile banking. Need help? Click here. Deposit a Check from Your Phone No need to stop by a branch—just snap a photo of your check and deposit it through our mobile app. Need help? Click here. Deposit Cash at a CO-OP ATM Near You Need to deposit cash? You can use thousands of CO-OP network ATMs nationwide. Here’s how to find one that accepts deposits: Start here . Click Find an ATM In the gray navigation bar, switch from Simple Search to Advanced Search On the right-hand filters, select Deposit-Taking ATMs Enter your location to find the nearest option Previous Item Next Item

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With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. Understanding recent bank failures and what they mean for you With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. With the back-to-back-to-back failures of Silicon Valley Bank , Signature Bank , and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. The most important thing to know is that these recent bank failures were the fault of decisions made by those institutions specifically — and that they don’t necessarily reflect on the financial stability of other banks and credit unions. Nevertheless, their collapse is a timely reminder to learn more about the financial health of your own credit union or bank. Here are a few tips for evaluating how safe your money is. If you have less than $250,000 in deposits with a single NCUA- or FDIC-insured financial institution, you’re not at risk. If you have less than a total of $250,000 deposited among your accounts (including checking, savings, money market, CD, IRA, and Revocable Trust accounts), your funds are protected. If you share any of those accounts with another person, then both of you are individually insured up to $250,000 in deposits. That means that if you and your spouse share a checking account and a savings account, then you’re protected up to $500,000 of deposits. Three account owners? Then you’re protected up to $750,000. How do you find out if your financial institution is NCUA- or FDIC-insured? Deposit insurance for credit union members is provided by the National Credit Union Administration (NCUA). All federal credit unions and nearly all state-chartered credit unions (including Vibrant) are protected by NCUA deposit insurance. You can confirm your credit union’s NCUA status by searching the NCUA member database . You should also see notices about its NCUA insurance posted on its website and on its premises. Deposit insurance for U.S. banks is provided by the Federal Deposit Insurance Corporation (FDIC). Nearly all U.S. banks are FDIC-insured. As with the NCUA, the FDIC also requires member institutions to post notices about its FDIC membership on its website and on its premises. You can also confirm a bank’s FDIC status through the FDIC website. If you DO have deposits in excess of FDIC or NCUA limits, take a closer look at your financial institution’s performance. There may be situations where you need to maintain a total balance above the deposit insurance limit of $250,000 — for instance, if you’re running a business with large cash requirements for payroll or inventory or if you're trying to maximize your interest earnings by consolidating your money in a single account with the best available rate. If that’s the case, here are some ways to assess your financial institution’s overall health. 1. Find out where your credit union or bank invests its deposits. Financial institutions generate revenue in two ways — either by lending money out and earning interest on those loans or by investing in other forms of equity — stocks, bonds, and other securities. You can look at Vibrant’s statement of financial condition to get a broad overview of where we invest deposits. In the case of Silicon Valley Bank, by comparison, more than 40 percent of its income came from investments — many in the form of long-term Treasury bonds, which have lost value as interest rates have risen in the last year. Meanwhile, Signature and Silvergate heavily invested in cryptocurrency, which has also lost significant value in the past year. 2. Look for steady deposit growth. When people and businesses continue to deposit their money with an institution, it’s a sign there’s strong confidence in how the institution manages its assets. In Vibrant’s case, total deposits have grown from about $407 million at the end of 2012 to about $774 million at the end of 2022 — a 47 percent increase in deposits over the last decade. (You can access past financial statements for Vibrant or any credit union via the NCUA website if you really want to get in the weeds.) 3. Look at the institution’s capitalization classification. Every NCUA- or FDIC-insured financial institution must meet certain capital requirements that ensure it has enough cash on hand to meet its depositors' needs. NCUA considers a credit union “well capitalized” if it has a net worth ratio above 7 and a capital ratio above 10. For reference, Vibrant’s current net worth ratio of 9.48 and capital ratio of 14.93 place it well within the "well capitalized" category. (Capitalization classifications are available for every credit union within the quarterly call reports posted on the NCUA website.) Why a credit union can be a less risky choice than a bank The bank run that led to the collapse of Silicon Valley Bank resulted from widespread panic among depositors after its financial reporting showed the bank might not have funds available to meet all its financial obligations. Rather than risk losing any deposits in excess of FDIC insurance limits, many customers decided to withdraw their funds while they could and move them elsewhere — making Silicon Valley Bank’s existing issues even worse. In general, credit unions like Vibrant are far less likely to experience bank runs because the overwhelming majority of their deposits are federally guaranteed. More than 90 percent of credit union deposits fall within deposit insurance limits, while only about 50 percent of bank deposits do. Additionally, credit unions tend to prioritize safe, sound, and fiscally responsible investments over the pursuit of the ever-higher profits expected by bank shareholders. As member-owned nonprofits, credit unions don’t answer to Wall Street — only to their members. For Vibrant, that means lending money at affordable rates and providing a fair return for members who put their savings into money market accounts and certificates of deposit. If you’re considering moving your money now, talk to us about how we can help safeguard your deposits while enabling you to meet your financial needs. Open an account today . Previous Item Next Item

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