Grow Your Mission. Keep Your Reserves Safe. Protect your reserves, access capital when you need it, and fulfill your fiduciary stewardship with confidence. Learn more Schedule a meeting Reserve solutions built for faith-based organizations. You carry a growing responsibility to steward the resources entrusted to your organization. Vibrant’s reserve and liquidity solutions are built for you—churches, Christian schools, ministries, and other faith-based organizations—so you can manage your finances with clarity and confidence. Your funds stay fully insured, easily accessible, and earning competitive returns , while no-fee lines of credit give you flexible access to capital for facility needs, seasonal cash-flow gaps, or unexpected expenses. Together, these tools strengthen your organization’s financial stability—without adding complexity—so you can stay focused on the mission that matters most. Fully insured funds Get up to $15 million in extended federal deposit insurance* at no cost. No hidden fees or requirements Open an account in minutes with no opening or maintenance fees—ever. Industry-leading rates Earn more interest with our nationally recognized money market rates. Partners in stewardship Work with a credit union that invests in your values and helps your mission thrive. Insure your reserve funds—all in one, easy-to-manage account. With Vibrant, you don’t have to manage multiple banks or juggle deposits—everything rolls up into a single, consolidated view. One Bank Statement: Funds are swept across partner credit unions, giving you coverage beyond typical deposit insurance limits. A Trusted Partner: Vibrant is safe, stable, and member-driven, with a long history of supporting faith-based organizations and community institutions. Dedicated Service: Our relationship managers understand the unique needs of faith-based organizations—from building reserve planning to seasonal cash flow cycles. Get started "I've had a great experience with Vibrant. The representative I work with is most helpful and goes above and beyond to make sure all details of my account are clear and accessible." Regena C — Vibrant Member "We invest back into communities and help organizations like yours thrive. By partnering with us, you’re choosing a financial institution that cares about purpose — not just profit." Nick Tarpein — Chief Financial Officer, Vibrant Credit Union “Vibrant combines deep knowledge with a friendly, no-rush approach that immediately puts you at ease... I’ve rarely seen this level of thoughtful and proactive service.” Dmitry F — Vibrant Member “In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.” Paul S — President, KWBTS Here's how Vibrant can help with your unique needs. Challenge Solution Large reserves over $250,000 may exceed standard insurance limits—leaving some funds uncovered. Emergency repairs or other expenses require fast access to your funds. Unexpected building repairs or urgent expenses require more capital than you have. High-yield accounts can be risky, restrictive, or come with hidden fees, putting your reserves at risk or limiting access. You want a financial partner who shares your values and supports your mission. Our high-yield reserve account * is fully insured and backed by the full faith of the U.S. Government through NCUA coverage , keeping your funds secure and accessible. Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety. We offer quick, easy eligibility for lines of credit tailored to your organization with no personal guarantees, draw fees, non-usage fees, or origination fees. With no hidden fees and full access to your funds, you can earn competitive interest rates to grow your reserves with no risks involved. Vibrant is a faith-aligned partner , investing in your mission and the community through our Be The Good Foundation . Schedule time to talk with an expert Let's partner together to do more good. When you bank with Vibrant, you’re joining a credit union that actively supports local communities and ministries through our Be The Good Foundation . Together, we fund programs that help families, neighbors, and organizations in need—so your mission aligns with a partner who shares your values. Learn more about Be The Good Foundation It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions Is my organization eligible? Typically yes — Vibrant serves churches, ministries, and faith-based nonprofits. Eligibility depends on institution type and account setup; schedule a short review to confirm. How does Vibrant support our board’s fiduciary responsibility? Our insured money market accounts offer competitive returns while maintaining full liquidity and up to $15 million in NCUA-backed coverage . This ensures your board is acting in the best financial interest of the organization—protecting funds, earning interest, and staying compliant with state laws. How much of our funds can be insured through Vibrant? Vibrant offers up to $15 million in NCUA-backed coverage at no cost to your association. This extended insurance helps protect your reserves without the need for multiple banking relationships. What kind of returns can we expect on our reserve funds? As a nationally recognized rate leader, you can always count on competitive returns. Our insured money market accounts deliver strong earnings potential with no added cost to you. Plus, we encourage you to ask about relationship-based pricing, cash incentives, and the added value of bundling with a line of credit—all designed to help you maximize your earnings and financial flexibility. Is there a minimum deposit or balance required to open or maintain the insured money market account? No, there’s no minimum deposit or balance requirement. While NCUA/FDIC insurance typically covers up to $250,000, our insured money market account* provides coverage for balances up to $15 million. Many members choose this account when their deposits exceed the standard insurance limit. Can we access our funds easily if needed? Yes, you’ll have full access and control over your funds. Liquidity is available either the same day or by the next business day. You can manage deposits and withdrawals through our secure online portal 24/7, and your Relationship Manager is also available to assist with any transaction requests. What makes Vibrant different from other financial institutions? We combine executive leadership experience, personalized service, and industry-leading rates with a deep understanding of faith-based organization responsibilities. Our streamlined account opening and support materials make compliance simple and stress-free. Why is reserve planning important for our organization? Strong reserve planning helps ensure your organization can continue its mission—today and in the future. For faith-based ministries, schools, and nonprofits, financial stability isn’t just a best practice; it’s a form of stewardship. By maintaining well-structured reserves, your organization strengthens its ability to serve, grow, and sustain its mission for years to come. Does Vibrant offer a Line of Credit to help with reserve requirements and emergencies? Yes. Vibrant offers flexible Line of Credit options designed to support associations during unexpected expenses or while building up reserves. These solutions help boards meet immediate obligations without compromising long-term financial health. *Insurance provided through program credit union (subject to certain conditions). Federal deposit insurance refers to insurance through NCUA. $5 Membership Share account required. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.

New to McCormick 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 July 29, 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 740+ 700–739 660–699 36 months 5.99% 6.99% 9.99% 48 months 5.99% 6.99% 9.99% 60 months 5.99% 6.99% 9.99% 72 months 5.99% 6.99% 9.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 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 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. Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Finance Promos Standard Rates Insurance Information ACH User Guide Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Credit Union is McCormick'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 McCormick 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. 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

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 How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

Find a dealership in Vibrant Credit Union’s trusted network to finance your new or used car with our competitive rates. Fast, easy, and convenient auto loans to get you on the road. Find a trusted dealership near you We’ve teamed up with dealerships across the region to make financing your next vehicle easier than ever. Visit a participating location, choose your car, and ask to finance with Vibrant to get great rates and fast approval—right on the spot. 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.

Download our app For Apple Users To download from this device, click here . To download from another device: 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 To download from this device, click here . To download from another device: Open Google Play. Use the Play Store app on your personal device. On your computer, go to play.google.com . Search for "Vibrant Credit Union" Tap Install . Use your online banking credentials to sign in. Not signed up yet? Get started here . Previous Item Next Item How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

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 . Find download instructions here . 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? Register for online banking 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 How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

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 July 29, 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 740+ 700–739 660–699 36 months 5.99% 6.99% 9.99% 48 months 5.99% 6.99% 9.99% 60 months 5.99% 6.99% 9.99% 72 months 5.99% 6.99% 9.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 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 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. Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Standard Rates Insurance Information ACH User Guide Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. 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 How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

Longer Terms. More Buying Power. Get exclusive Manitou & Gehl financing with the only 10-year subsidized loan in the industry. See the rates Email us to get started Standard Financing for New Equipment No down payment required; eligible for additional cash rebates. Rates current as of July 29, 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 740+ 700–739 660–699 36 months 5.99% 6.99% 9.99% 48 months 5.99% 6.99% 9.99% 60 months 5.99% 6.99% 9.99% 72 months 5.99% 6.99% 9.99% 84 months 6.99% 8.99% 10.99% 96 months 6.99% 8.99% 10.99% 120 months* 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 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. Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Quick Resources Loan Portal Standard Rates Low Rate Offers Insurance Information ACH User Guide Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Video Resources Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . 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? Give us a call at (309) 644-4738 or email us at dealermanagement@vibrantcu.org . Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. One will be appointed to you when you sign on. 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

Plan your next visit to Vibrant ITM - Bettendorf. Get hours, services, and driving directions. Vibrant ITM - Bettendorf Vibrant Coffeehouse + Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 (800) 323-5109 Get directions ITM (digital banking) hours ITM teller on duty Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-5:00pm Sat 8:30am-12:00pm Sun Closed Services ITM banking Cash-dispensing ATM Deposit-taking ATM Interested in learning more about one of our accounts? Book time with a banker FAQ

Get our routing number Vibrant's routing number is 271183646 . You can find it on the footer of every page on our website! Previous Item Next Item How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

Get a complete list of upcoming Vibrant holidays and closures. Remember, you can use the Vibrant mobile app 24/7! Holidays & Events Thursday, January 1, 2026 New Year's Day 2026 All Vibrant branches and our corporate headquarters will be closed in observance of New Year's Day. Monday, January 19, 2026 Martin Luther King Jr. Day All Vibrant branches and our corporate headquarters will be closed in observance of Martin Luther King Jr. Day. Monday, February 16, 2026 Presidents Day All Vibrant branches and our corporate headquarters will be closed in observance of Presidents Day. Monday, February 23, 2026 at 1 PM CST Annual Meeting All members are invited to join our Annual Meeting virtually. Link: https://www.microsoft.com/en-us/microsoft-teams/join-a-meeting Meeting ID: 298 877 436 992 43 Passcode: dA3v6uy3 Monday, May 25, 2026 Memorial Day All Vibrant branches and our corporate headquarters will be closed in observance of Memorial Day. Saturday, May 30, 2026 Free Shred Day Bring your old documents to be shredded for FREE at our Moline HQ Branch location from 9 AM – 12 PM. No membership required. 2-box limit. More info here: https://www.facebook.com/share/1Kn1aBAhNm/ Friday, June 19, 2026 Juneteenth All Vibrant branches and our corporate headquarters will be closed in observance of Juneteenth. Saturday, July 4, 2026 Independence Day All Vibrant branches and our corporate headquarters will be closed in observance of Independence Day. Monday, September 7, 2026 Labor Day All Vibrant branches our corporate headquarters will be closed in observance of Labor Day. Monday, October 12, 2026 Indigenous Peoples' Day All Vibrant branches and our corporate headquarters will be closed in observance of Indigenous Peoples' Day. Wednesday, November 11, 2026 Veterans Day All Vibrant branches and our corporate headquarters will be closed in observance of Veterans Day. Thursday, November 26, 2026 Thanksgiving Day All Vibrant branches and our corporate headquarters will be closed in observance of Thanksgiving Day. Thursday, December 24, 2026 Christmas Eve All Vibrant branches and our corporate headquarters will close at 12:00 P.M. CST in observance of Christmas. Friday, December 25, 2026 Christmas Day All Vibrant branches and our corporate headquarters will be closed in observance of Christmas Day. Thursday, December 31, 2026 New Year's Eve All Vibrant branches and our corporate headquarters will close at 12:00 P.M. CST in observance of New Year's Eve. Friday, January 1, 2027 New Year's Day 2027 All Vibrant branches and our corporate headquarters will be closed in observance of New Years Day.