Vibrant Members, find exclusive member-only offers for entertainment and events at Vibrant Arena at the Mark, Vibrant Music Hall, and more. The Vibrant Advantage Exclusive deals and discounts for Vibrant members only Not to brag, but you're kind of a big deal. Your Vibrant membership has granted you access to the VIP line. Check your inbox often for new offers and exclusive advantages. Not a member yet? We can fix that. Open an account New offers coming soon! Featured Offers Quad City Storm Hockey Get 20% off tickets for any regular season game. See email for details! Professional Championship Bull Riders & Barrel Racers Get $7 off on Saturday, or $10 off on Sunday. Check your email for details! Upcoming Offers Vibrant members get exclusive discounts on tickets for the hottest Vibrant Arena events. Keep an eye on your email for the codes you need to claim your discount—and make sure to follow us on Facebook for exciting giveaways. Upcoming Offers

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. How it works How it works Visit a participating dealer (list coming soon) Choose your vehicle — new or used Finance through Vibrant directly at the dealership Drive away with confidence. 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 make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. 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. Check back soon 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 car? 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. Ready to get started? Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t. Apply now

Vibrant's core values aren't just words on a poster in some conference room. They actually reflect the way we do business each day. Our values make us Vibrant We didn’t set out to write a manifesto about our organizational values. We just wanted to answer a simple question: Why do some people thrive at Vibrant, while others (equally qualified on paper!) don’t? The more we talked with the people who’d been here the longest or risen the fastest, however, the more we noticed a few qualities we all share. If you share them, too, let’s talk. Apply now They're in our core. We own every opportunity. In other words, we think a job description is just a starting point. When we see a member who needs help or a stressed-out coworker, we step in. When we see a better way to accomplish something, we try it out. If it works, we tell other people about it. We are open, honest, and authentic. We’re not afraid to speak up when we have a different opinion, and we don’t take it personally when we’re challenged. We try to be honest with each other when we disagree. Because those differences of opinion make us stronger. We are swift and relentless in the pursuit of greatness. Here’s what that looks like in action. After the Payroll Protection Program launched, our bankers worked through the weekend, fuelled by pizza deliveries and coffee, to respond to all the businesses who turned to us for help. We eventually processed more than $200 million in loans and helped save more than 21,000 jobs. We bring contagious energy. When you’re excited about the work you do, other people can't help but get a little excited themselves. That doesn’t mean you have to be an extrovert to work here. You just have to care about getting things right. We think, speak, and act for the collective good. We are mindful of all the stakeholders affected by our decisions, from our members and our communities to our colleagues and ourselves. FAQ

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

Open a high-interest personal checking or savings account in minutes and start earning today! Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Built to help them reach their goals. With competitive rates and no monthly fees, Vibrant makes it easy to help kids grow their savings—and their future. See how it works Built to help them reach their goals. With competitive rates and no monthly fees, Vibrant makes it easy to help kids grow their savings—and their future. See how it works Award-winning rates Say goodbye to that 0.01% APY* you're getting at your current bank. And hello to Vibrant. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score any time—all from your own device. No hidden fees With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Get started Find the right account for you Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 4.00% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No direct deposit required No minimum debit card transactions required Dividends paid monthly Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Open an account Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. 4.00% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No direct deposit required No minimum debit card transactions required Dividends paid monthly Federally insured by NCUA See more checking account rates > Preferred Savings Build your savings fast by opening a high-yield interest account without all the restrictions or fees. 4.00% APY* on balances up to $14,999 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA See more savings account rates > Elite Savings Earn interest at rates comparable to a high-yield CD—without penalties when you want to make a withdrawal. 4.25% APY* on balances over $1,000,000 No monthly fees No minimum balance requirements Unlimited transfers and withdrawals Dividends paid monthly Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance See more savings account rates > Ask The Wall Street Journal, Investopedia and CBS News—Vibrant has some of the best rates available. You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards. Checking account rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.75% 0.75% – 4.00% 3.25% 4.25% $250,000 - $999,999 0.05% 1.75% 0.75% – 4.00% 3.25% 4.00% $100,000 - $249,999 0.05% 1.75% 0.75% – 4.00% 3.25% 3.75% $25,000 - $99,999 0.05% 1.75% 0.75% – 4.00% 3.25% 0.50% $15,000 - $24,999 0.05% 1.25% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.25% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at at the lowest rate listed. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000.

QC Storm Ticket Giveaway Disclaimers Giveaway Overview: One winners will be selected to win four (4) tickets to the 7:10 p.m. Quad City Storm game at Vibrant Arena on December 27, 2025. To win, you must: Leave a comment with a dog photo. The winner will be randomly drawn from the entries on Friday, December 26, 2025. If you do not wish to participate in the social media competition outlined above, you can submit your entry to marketing@vibrantcu.org . We will contact the winners by commenting directly on their post comment/emailing them back. Winners must pickup their tickets at Vibrant HQ in Moline, IL. If the winners do not respond back to claim their tickets by the end of the day notified, another winner may be drawn. OFFICIAL RULES FOR GIVEAWAYS OR DRAWINGS NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.  The Giveaway (“Giveaway or Drawing”) is sponsored by Vibrant Credit Union. (“Vibrant” or “Credit Union”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by Vibrant and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. This promotion is in no way sponsored, endorsed, or administered by, or associated with any social media platform such as Facebook, Instagram, LinkedIn, TikTok, etc. Any questions, comments, or complaints regarding any promotion should be directed to Vibrant, not to the social media platform. ELIGIBILITY The Giveaway offer is limited to U.S. residents aged eighteen (18) years of age or older. Vibrant, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway. Vibrant has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited. The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Illinois law and any applicable federal law. GIVEAWAY PERIOD The Giveaway begins and ends on the dates specified in the Guidelines for the particular promotion. All entries or submissions must be received on or before the time stated. Vibrant reserves the right to extend or shorten the Giveaway at their sole discretion. HOW TO ENTER Entrants must follow all required rules of entry to participate in the Giveaway. For social media specific Giveaways, rules may include “Liking” a post on Vibrant’s corresponding social media or commenting on a Timeline as instructed. No post or tag etc., on a personal timeline will be considered. After complying with the instructions and submitting the required information, the entrant will automatically be entered to win. You may enter as many times as you wish unless specifically prohibited by in the Guidelines for the particular promotion. By entering, the entrant agrees to be bound by these Official Rules and by the decisions of Vibrant. WINNER SELECTION All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period. A certain number of winners will be chosen at random by Vibrant with the number notated on the Credit Union’s corresponding Guidelines to the specific promotion. Some Giveaways may have as few as one (1) winner but may have more than one as announced. The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via a posting on Vibrant’s social media and/or by other means in Vibrant’s discretion. The prize or prizes shall be selected at the discretion of Vibrant and will be notated on the Credit Union’s social media with other applicable information. Each entrant is responsible for monitoring Vibrant’s social media for posts regarding prize notification and receipt or other communications related to the Giveaway or as specifically stated in the Guidelines. Vibrant may at its discretion contact winners using email, social media messaging or by comment on a Post. Potential winners must pick up their prize within ten (10) business days of the Winner Announcement, otherwise they forfeit the prize and such will be awarded to another randomly selected eligible winner. SOCIAL MEDIA GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of Vibrant. Specific details relevant to a particular Giveaway are posted on Vibrant’s social media and by other means at Vibrant’s discretion. PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by Vibrant. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and may be associated with the award, acceptance, receipt, and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner's responsibility. Vibrant will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received. ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. Vibrant, its agents, and representatives are not responsible for any typographical or other errors in the o giveaway ffer or administration of the Giveaway including, but not limited to, errors in any printing or posting or these Official Rules, Guidelines, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Giveaway is unlawful and subject to possible legal action by Vibrant. Vibrant reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if Vibrant determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Vibrant’s control corrupt the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, Vibrant reserves the right to void suspect entries at issue. Vibrant and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure, or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise. INDEMNIFICATION, LIMITATION OF LIABILITY AND USE OF PLATFORM By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless Vibrant and its agents and representatives, social media platforms, administrator(s), advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents from any liability, damages, losses or injury resulting in whole or in part, directly or indirectly, from that entrant’s participation in the Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. Vibrant does not collect users’ content or information, or otherwise access social media platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. Vibrant does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise. If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then Vibrant assigns all rights to performance and all entitlement to the prize winner. However, Vibrant does not guarantee the third-party's performance. The prize winner agrees that Vibrant is not liable or responsible to the prize winner for the failure of the third party to perform. Vibrant and its agents and representatives do not make any warranties, express or implied, as to the prize's condition, fitness, or merchantability. Vibrant and its agents and representatives, advertising and promotional agencies, and all their respective officers, directors, employees, representatives, and agents disclaim any liability for damage to any computer system resulting from access to or the download of information or materials connected with the Giveaway. Vibrant reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant's participation in the Giveaway. RELEASE Upon the request of Vibrant, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable. PUBLICITY By participating, each entrant or winner grants Vibrant permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law. NO ENDORSEMENT OR SPONSORSHIP Vibrant may obtain prizes by purchase or donation from third parties. Vibrant’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-parties. ENFORCEABILITY If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above, and all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction will constitute a waiver of these Official Rules by Vibrant. ALTERNATIVE WAYS TO ENTER GIVEAWAYS For an alternative way to enter, email your first and last name along with your phone number to marketing@vibrantcu.org . QUESTIONS OR COMMENTS? Any questions or comments regarding this Giveaway should be directed to the Vibrant Marketing Department by phone at 1-800-323-5109. Orig. 04/2025 Previous Item Next Item

Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. 5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Serve all of your business banking needs If you’ve been fed the myth that credit unions offer fewer business banking services than banks, we have news for you. Whatever your needs are as a new or established business, a credit union is well equipped to handle them, from lending and checking to credit and investments. Credit unions might often have a small town feel, but they’re built to support big businesses. Credit unions are member-owned The key difference between a credit union and a bank is not their banking services. It can actually be boiled down to one word: profit. Banks are for-profit and their profits go to their shareholders. Credit unions are not-for-profit and member-owned. You might notice the difference in the rates for business loans and business lines of credit. Banks usually charge higher rates than credit unions. Credit unions are also able to offer higher yield on savings accounts. It’s their way of returning their profits back to their members. Credit union fees are designed to benefit members If you long for the days without having to pay annual credit card fees and monthly checking fees, bank with a credit union. As a not-for-profit organization, it means they have less incentive to charge their account holders with a laundry list of extra fees. In fact, Vibrant Credit Union actually charges no fees for all business accounts. If you’re a business owner, imagine how much you could save without having to pay transaction fees. Account accessibility is not a problem There’s a school of thought that bigger banks have bigger wallets to afford better technology. But even if there might have been a technology gap at one point between banks and credit unions, that gap has long since been closed. Credit unions are not blind to the fact that business owners need to be able to bank from anywhere these days. That’s why they’ve stepped up their game in terms of online and mobile banking services. So even if you’re not near one of their branches, you can still access your account, transfer funds, make remote deposits, and more. Partner with a lender that is relationship-focused and community-driven The best professional partnerships are built on personal trust. Because credit unions answer only to their members, that is where their focus lies. They want to build long-term relationships. There’s also a good chance that your average credit union has greater ties to the local community than a national brand bank. You may see them sponsoring events that benefit the local community, or making donations and offering scholarships. If you’re interested in learning more about what a credit union can do for your business, please get in touch with us . Previous Item Next Item

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Plan your next visit to Rock Island, IL - ATM only. Get hours, services, and driving directions. Rock Island, IL - ATM only 2365 11th St Rock Island, IL 61201 United States (800) 323-5109 Get directions ITM (digital banking) hours Services Cash-dispensing ATM FAQ

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