Plan your next visit to SouthPark Branch - Moline. Get hours, services, and driving directions. SouthPark Branch - Moline 4400 16th St Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed Services Coin machine Night drop Branch lobby open Drive-thru open FAQ

Plan your next visit to Vibrant HQ Branch - Moline. Get hours, services, and driving directions. Vibrant HQ Branch - Moline 6600 44th Avenue Moline, IL 61265 United States (800) 323-5109 Get directions ITM (digital banking) hours Lobby hours (including ITMs) Mon 8:30 a.m. – 5:00 p.m. Tue 8:30 a.m. – 5:00 p.m. Wed 8:30 a.m. – 5:00 p.m. Thu 8:30 a.m. – 5:00 p.m. Fri 8:30 a.m. – 5:00 p.m. Sat 8:30 a.m. – 12:00 p.m. Sun Closed Services ITM banking Cash-dispensing ATM Deposit-taking ATM Branch lobby open Drive-thru open FAQ

What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What is a certificate of deposit and how does it work? What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." If you’re unfamiliar with certificates of deposit, it’s an investment tool that allows you to turn the tables on the lender. Instead of paying interest on a loan, the bank pays you interest on a deposit. What is a certificate of deposit? As the name suggests, a certificate of deposit is a deposit. You deposit a specific dollar amount with a lender, but you agree not to withdraw that deposit for a certain length of time. It could be three months, a year, or even as long as 10 years. For as long as you agree to leave the deposit with the lender, you will earn interest on that deposit. Once your certificate of deposit has reached what’s called its “maturity date,” you can withdraw that money, penalty-free. Like a cherry on top of an ice cream sundae, you’ll also get to pocket the interest. How does a CD work? The most important parts of a certificate of deposit are the interest rate and the length of the deposit. Generally, the longer you are willing to leave your deposit with a lender, the better the interest rate they’re going to offer you. CDs are an appealing alternative to a traditional savings account because the interest rates are often higher and the rates are fixed. It’s considered a safe investment tool because you’re not at the mercy of the market. CDs are also federally insured, so your deposit is protected. You also have the freedom to shop around and find the lender that offers the best CD interest rates. Is a CD right for you? Do you have a chunk of cash tucked away that you don’t need right now? Instead of collecting dust, that money can collect interest in a CD. It can grow into a bigger chunk of cash that you can then use toward a home, a car, or even a boat if you’re looking to set sail. The risk is obviously that, in the event that you find yourself in a bind, you can’t withdraw the funds without paying a penalty. So it’s best not to think of this deposit as an emergency fund. On the flip side, it can remove the temptation to spend that money. You can consider the CD as safekeeping for savings you might be tempted to spend under the right circumstances. If you’re interested in a Certificate of Deposit, get in touch with us ! The sooner you make your deposit, the sooner you can start growing that deposit into something more. Previous Item Next Item

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 Bush Get $10 tickets. Check your email for details! Luke Bryan Get $10 off each ticket. Check your email for details! Brooks & Dunn $10-$20 off each ticket

Closing your Vibrant digital banking account Want to close your account? We're sorry to see you go. Once you close your account, you will no longer be able to access your account information through our online banking platform or mobile app. 1. Close your account in person. Visit one of our branches and request to close any or all of your accounts. Bring your current state-issued ID or driver's license. Talk to a staff member and let them know which account(s) you'd like to close. We'll ask you to sign an account closure form. We'll refund your balance in cash, with a cashier's check, or through a wire transfer to another financial institution. 2. Close your account by phone. Call us at 1-800-323-5109 between 8:30 a.m. and 5 p.m. CT Monday through Friday or from 8:30 a.m. to 12 p.m. CT on Saturday. When you connect, press option 1, then option 3. Tell our member contact center agent which account(s) you'd like to close. We will confirm your identity, then get your signature on an account closure form. You can choose to have us mail you a cashier's check for the balance of your account or help you transfer the remaining funds to another financial institution by wire. To learn how Vibrant handles your personal information and data while you're an account holder, as well as after you close your account, please see our privacy policy . Previous Item Next Item

Get help planning for retirement with one of our certified financial advisors. Find out how to get started. Make retirement planning less taxing Increase your financial flexibility by opening an IRA. Contact an advisor Choose the account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution You can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit for as short a period as 3 months. See our rates

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

When the Federal Reserve changes interest rates, it affects nearly every part of the financial world — including your savings account. So, if you’ve noticed an update to our deposit rates, here’s what’s happening and why Vibrant Credit Union remains one of the best places to grow your money. Why savings rates are changing — and why that’s still good news for you When the Federal Reserve changes interest rates, it affects nearly every part of the financial world — including your savings account. So, if you’ve noticed an update to our deposit rates, here’s what’s happening and why Vibrant Credit Union remains one of the best places to grow your money. What Happens When the Fed Lowers Rates When the Federal Reserve lowers interest rates, it encourages more borrowing and spending to help the economy grow. Lower rates make it cheaper for businesses and consumers to borrow money — but they also reduce what financial institutions earn on loans and investments. That’s why you’ll often see banks and credit unions adjust deposit rates shortly after the Fed makes a change. It’s not about cutting corners — it’s about staying aligned with the larger economy. How Rate Changes Affect Your Savings Deposit rates tend to move in the same direction as the Fed’s benchmark rate. When the Fed cuts rates, the “cost of money” across the financial system drops. To keep everything balanced, banks and credit unions adjust savings rates too. This ensures they can continue operating responsibly while offering competitive returns. Why Lower Rates Aren’t a Bad Sign A lower savings rate doesn’t mean something’s wrong. In fact, it’s a sign that we’re managing funds wisely. Staying in step with the market helps Vibrant maintain financial stability, protect member value, and continue offering strong deposit rates within our suite of products such as our Premier Checking and Preferred Savings accounts, along with services that benefit everyone. A Quick Term to Know: Basis Points You’ll often hear changes described in basis points . One basis point equals one one-hundredth of a percent (0.01%). So, if the Fed lowers rates by 25 basis points, that means a quarter of a percent (0.25%). Using basis points makes it easier to describe small but meaningful shifts clearly and consistently. Balancing Member Value and Stability Every rate change is about balance. By managing what we pay on deposits, we can also keep loan rates low — helping members borrow affordably while still earning a fair return on savings. It’s part of how we make sure the credit union stays strong for the long haul. There’s More to It Than the Fed While the Fed’s rate plays a major role, it’s not the only factor we look at. We also consider market trends, liquidity (how much cash we have available to lend), loan demand, and how other financial institutions (both big banks and credit unions) are adjusting their rates. Our goal is always the same: to stay nationally competitive, responsible, and member-focused. Part of a Bigger Financial Strategy These rate adjustments aren’t quick reactions — they’re part of our long-term financial strategy. By maintaining a healthy balance between deposits, loans, and investments, we can keep earning enough to reinvest in our members, our products, our team, and our communities. What to Tell Friends (or Yourself) Who Miss the Old Rate It’s natural to feel a little disappointed when savings rates go down. But it helps to remember that your rate reflects larger economic trends — and that we’re doing everything we can to stay transparent, consistent, and competitive. Your money is still working hard here. Especially in Vibrant’s Premier Checking , Preferred Savings , and our CDs accounts. When Rates Rise Again We monitor the market closely and respond thoughtfully — never rushing, but never lagging either. Our goal is always to make smart, sustainable choices that benefit our members. Still Among the Best Even after this adjustment, our deposit rates remain among the top tier in the nation compared to many other credit unions and big banks. In fact, many large institutions offer significantly lower returns on savings accounts — and fewer personalized benefits. The Vibrant Difference We’re proud to be digitally led and human assisted — giving you powerful online tools backed by real people who care. That balance lets us stay efficient and innovative while never losing sight of what matters most: you. Even as rates shift, we stay focused on total member value — trusted services that keep you confident in your financial future. With industry-leading rates and our promise of no hoops, no hassle, and always great rates , Vibrant makes banking refreshingly simple. It’s a difference that’s been recognized nationally — The Wall Street Journal’s Buy Side named us one of the best for deposit rates , a testament to the value and experience our members enjoy every day. In Short: Rates change. Our commitment doesn’t. We’ll always make thoughtful, transparent decisions that balance market realities with what’s best for our members. Your money remains in a secure, competitive, and community-focused place — exactly where it belongs. Vibrant — No hoops. No Hassle. Always great rates. Federally insured by NCUA. Previous Item Next Item

Find your account number To find your account number, you have a few different options: Refer to your Member Service Agreement that was sent to you via email shortly after your account was opened via DocuSign Grab a check and check out the two strings of numbers at the bottom. The first number starting with 2711..is our routing number. The second is your account number. Send us a secure message through online banking. Previous Item Next Item

See current rates, dealer incentives, and connect to everything you need to access equipment financing through Vibrant. Welcome to Vibrant Equipment Lending Are you new here? Send us an email to set up your account and gain access to the dealer portal. Email us to get started Find Your Financing Program Select your manufacturer below to view rates, promotions, and financing details tailored to your equipment lineup. Vibrant Equipment Lending (VEL) Yanmar & YCENA McCormick Wacker Neuson Manitou & Gehl Vibrant Equipment Lending (VEL) Yanmar & YCENA McCormick Wacker Neuson Loan Portal Create new applications, check on the status of applications in progress, and more. Open the Loan Portal Business Hours M-F 7:30 a.m. - 6 p.m. CT Saturday 8:30 a.m. - 2 p.m. CT Note, hours adjust seasonally. Questions? Reach out to your relationship manager. Or email us at loanprogram@vibrantcu.org . Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Shawn LaBarge Account Manager 800-479-6206 slabarge@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY 503-851-4895 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 309-269-1586 cthomas@vibrantcu.org Chuck Ellis Relationship Manager LA, NM, OK, TX 817-999-3717 cellis@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, MS, ND, NE, SD, TN, WI 563-514-4844 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, NC, SC, VA 800-479-6206 mschneidermann@vibrantcu.org Make REV Insurance part of every deal REV Insurance is a simple way to help protect your customers’ equipment and keep their loan secure. It’s built for real-world use and easy to include in the financing process. Be sure to introduce REV Insurance as part of every deal. You can review coverage details in the Quick Reference Guide . Learn more about REV Insurance Frequently Asked Questions What’s the relationship with Vibrant Credit Union? Vibrant Equipment Lending is an 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 to build a secure lending platform that fits your needs, and we're continually refining that technology based on feedback from you. As a member-owned nonprofit, we're committed to offering affordable loans to our members based on a holistic appraisal of their financial situation, and we've created a portfolio of flexible financing products to fit practically any budget. What information will I need to provide to set up my dealership account? Get in touch with your Relationship Manager or email us here . How long does it take to receive a decision on a loan application? Over half of applications are auto-approved on the spot with our flexible, risk-based scoring model. On those occasions when an application is not automatically approved, our lending team individually reviews the customer's financial information before making our final decision. Most of the time, we find a way to say yes in 30 minutes or less! Do you finance purchases of used equipment? We do! Loan terms and amounts will be based on the applicant's creditworthiness as well as the age/usage of the equipment being financed. See here for details. Where should I direct customers to manage their loan account and make payments? Vibrant has created an online account portal for customers where they can manage their accounts. They have three options for paying their loan: Pay online with their debit card. They can pay online with an ACH transfer from another bank account. Or, they can just mail us a check! Remind them to include their account number on the memo line for faster processing. Vibrant ATTN: Payments PO Box 1550 Moline IL 61266 I need help with my account. When is your dealer services team available? We run on seasonal hours (see above). You can reach us at 1-800-479-6206 during office hours or email us any time at loanprogram@vibrantcu.org . What do I need from my customer to obtain financing? Your customer will need to provide their government-issued ID (driver's license or U.S. passport). You'll also need a sales order with the year, make, model, and SN/VIN for all equipment being financed. Complete an application in the dealer portal and get a decision within minutes. I have a question about the program, who do I contact? Vibrant has a dedicated relationship management team to assist dealers with any loan program or banking needs. Our relationship managers are ready to answer all your questions! See above to find your RM! Who are the Account Managers and what do they do? Our account management team is here to work every loan application from start to finish with you. After you submit an application, one of our account managers will email or call you within a couple of minutes to update you on the initial loan decision and requirements and confirm your sales order is complete (including year, make, model, and VIN/SN for all equipment). Once we have all that information, we can issue a final approval and send documentation to your and your customer to complete online via DocuSign.

Welcome, Modern Woodmen of America! Check out these helpful videos to get started with your Chapter account. Desktop How to log in for the first time Navigating online banking Ordering checks Getting Started with Your Vibrant Chapter Account Mobile How to log in for the first time Navigating online banking How to make a mobile deposit 5 tips for making mobile deposit easier Navigating online banking

Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. Understanding why interest rates change Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. If you’re willing to follow along as we peel back the curtain, you can get a better understanding of what interest rates and how they are impacted by the world around us. What is an interest rate? Interest rates are the cost of doing business. If you want to borrow money from a lender, they’re taking a risk and expect a reward in return. You might be able to borrow money from a friend with nothing more than a promise to pay them back, but lenders don’t work on an honor system. The interest rate determines how much of a reward the lender gets. If you are approved for a loan with a 2 percent interest rate, in the end the lender will get back the total amount borrowed for the loan, plus an extra 2 percent. Think of that extra 2 percent as a tip for services rendered. One term you might see mentioned alongside the interest rate is Annual Percentage Rate (or APR). The APR is the total amount you pay each year to borrow money. Not only does that include the amount of interest paid, but it also considers any fees charged for the loan. Why do interest rates change? The answers you’ve been waiting five paragraphs for are here. Now that you know exactly what an interest rate is, you’re ready to see who is pulling the strings. Government. If the economy is a train, the U.S. Federal Reserve is the conductor. It wants to keep the train moving. If the economy is starting to slow down, the Federal Reserve can lower interest rates. When the interest rates are lower, people are more open to borrowing and spending money, which helps fuel the economy. Lower interest rates also make it cheaper for businesses to borrow money and use it to invest and create new jobs, reducing unemployment. The Federal Reserve is also known as the “central bank” of the U.S. It can create more money and deposit it with commercial bankers, increasing their supply of money. With more money in the bank, lenders can often lower interest rates to their borrowers. Supply and Demand. We all know the feeling of opening up the refrigerator, only to find it empty with nothing inside to satisfy our hunger. Well when you apply for a loan from a lender, they might not have money for you to borrow. They don’t have an infinite supply of cash. If the demand for money is greater than their supply, lenders will charge higher interest rates. Because they may have to borrow from another lender, they will be charged a fee, which the borrower ends up paying for. Inflation. Remember when a ticket to the movies was 25 cents? You probably don’t because that was the price of admission in 1920. Unless of course you’ve invented time travel, in which case we’d love to hear more about that. But back on topic, inflation has dramatically affected the value of our money over time, and that has consequences. Lenders will consider future inflation when figuring out interest rates to ensure that their return will still be profitable at the end of your loan. If you have any questions about interest rates or are in fact a time traveler willing to share your secrets, please get in touch with us . We’re here to help you! Previous Item Next Item