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.

According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Previous Item Next Item

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

Not sure which Vibrant account is the best for you? Take this short quiz about your financial habits and get recommendations.

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

Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Moline, IL — April 3, 2024 Last fall, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. Interest rates on consumer borrowing, especially car and home loans, have risen significantly over the last 2+ years as the Federal Reserve has raised the federal funds rate to combat inflation. At the same time, interest rates on consumer deposits—the funds that financial institutions use to make many of those loans—have remained stubbornly low. Most big banks still offer a measly 0.01 percent annual percentage yield on consumer savings—meaning that if you deposit $10,000 in a savings account, by the end of the year, you’ll earn a single dollar in interest. Put that same $10,000 in Vibrant’s new Preferred Savings account, though, and you’ll earn $450. Further, the account has no monthly service fees, no minimum balance requirements, and no hidden conditions about setting up direct deposit or making a certain number of debit card transactions each month to qualify. It's a strategy that’s proving wildly successful for the credit union. In February alone, current and new members moved an additional $26 million in deposits to Vibrant. So why aren’t other financial institutions following suit? Matt McCombs, Vibrant’s president and CEO since 2015, thinks it’s because Vibrant’s new model goes against the conventional wisdom of what a credit union is supposed to look like. “Over the last few years, we’ve taken a long hard look at where we’re spending our members’ money and how well that aligns with what they actually want us to spend money on,” says McCombs. “For instance, a decade ago, more than half our members did at least some of their banking in person at one of our branches. Last year, that number was down to about 16 percent, and it’s continuing to drop. “So we asked, what if we invested more in the technologies and services our members are actually using—like our online banking platform and our call center? What if we close some of our branches outright and use the savings to pay our members more interest on their deposits?" That’s the new Vibrant: relentlessly focused on the products it knows it does better than its competitors and devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. “It’s a matter of understanding our strengths and doubling down on them,” says McCombs. For now, it means that Vibrant doesn’t look like anyone else in the area. But McCombs is confident Vibrant’s model is the way of the future. “The days of getting all your financial needs met by a single institution are over. When someone wants to buy a house, they can get on Rocket Mortgage. When they want to buy a car, they go straight to the dealership. We don’t mind if our members get the best deal on their loans from someone else, because that means we’re able to give them the best deal on their deposits.” Even given the rise of so many internet-only financial institutions, McCombs also sees an important place for credit unions like Vibrant. “In general, people prefer to do business with local people,” McCombs says. "When they have questions, they want to be able to talk with someone they know. They want to support local jobs. They're just not going to do it at the expense of passing up a much better deal online. Our savings and checking options give people an excellent reason to keep their money here in our communities.” About Vibrant Vibrant was founded in 1935 as a federally insured credit union with its roots in agricultural manufacturing. Now an industry-leading deposit rate competitor, customers across the country can bank with the best utilizing easy access apps and money movement-friendly accounts with top earning rates. In the community, Vibrant strives to bring specialized products to nonprofits and small businesses to foster all to "be the good." Not far from their roots, Vibrant also provides relationship- and education-focused equipment financing programs to outdoor equipment manufacturers nationwide. Previous Item Next Item