Complete the form to request a donation of funds for your community project. Vibrant wants to Be the Good in the communities we serve. Get a little help from your friends We care about the communities where our members live and work Get a little help from your friends We care about the communities where our members live and work Find out what we can do for you The basics Are you looking for funding, giveaway items, or some extra helping hands? Get in touch. You must be a nonprofit or tax-exempt organization Submit a request at least 30 days in advance of your event (longer is better!) No solicitations will be allowed on Vibrant property Causes we support While we can’t help out with every request, we love to work with organizations that support these goals: Community development Civic affairs Culture Education (including booster clubs and PTAs) Environment Financial literacy Health and welfare Public safety Youth character building (including scouting, sports clubs, and other organizations) Submit a donation request

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Learn more aboutClosing your Vibrant digital banking account 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 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

Learn about the latest developments at Vibrant and check out our blog for sound advice about your finances. From the blog Read more > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read more > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) Read more > Award-Winning. Again. (Not our words, the WSJ's.) Read more > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read more > How Mobile Check Deposit Works And When It Makes Sense to Use It Read more > Is Online Banking Safe? What Really Keeps Your Money Protected Read more > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. Read more > How Compound Interest and High-Yield Accounts Actually Work Together It's the "secret sauce" for making the most of your money. Read more > How to Know When a Financial Tip Online Actually Applies to You And how to know when you can keep scrolling Read more > Be The Good Foundation Awards Inaugural Grant to Living Lands & Waters Foundation invites community organizations to apply for future funding through the Vibrant Credit Union website. Read more > Vibrant Credit Union launches the Be The Good Foundation The new foundation deepens our mission to bring more good into the communities we love. Read more > Kids take over—again! Vibrant Credit Union, Junior Achievement, and Quad City Storm bring back the ‘Kids Run the Show’ hockey game for year two. Recent News Read more > Vibrant Credit Union Expands Equipment Lending with Manitou Group North America Partnership Vibrant Credit Union has partnered with Manitou Group North America to offer consumer and small business equipment lending options—supporting the Manitou and GEHL brands and continuing to build a portfolio of leading equipment manufacturers across construction and agriculture. Vibrant Credit Union named Best Credit Union in 2026 Buy Side Awards by The Wall Street Journal Vibrant Credit Union has been named Best Credit Union in the 2026 Buy Side Awards presented by The Wall Street Journal, a national recognition honoring financial institutions that deliver exceptional value, performance, and member experience. Read more > Vibrant CTO Pete Nohelty joins Metal Blockchain Advisory Council His appointment brings unparalleled expertise in tailoring blockchain solutions for credit unions, focusing on critical areas such as digital payments, stablecoins, digital identity, and private subnets, thereby amplifying Metal Blockchain's value for financial institutions. Read more > Read more > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more > Investing in and developing people leaders at Vibrant In Gallup's Called to Coach webcast, Jon Sexton (senior vice president of culture and leadership development), VP of corporate services Jennie Powless, retail sales director Lola Williams, and branch manager Jane Evans talk about Vibrant's leadership development training and how it's helped them grow in their careers. Read more > Vibrant shows off more images of updated arena Moline-based Vibrant Credit Union shared some additional images that were introduced at Thursday’s announcement of the renaming of the TaxSlayer Center to Vibrant Arena at The MARK effective Sept. 1. Read more > New HQ captures Vibrant Credit Union’s culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Mitsubishi HC Capital America and Vibrant Credit Union expand retail financing for inventory finance dealers New relationship enhances customer access to retail financing for compact agriculture and construction equipment across the United States. Read more >

Learn more aboutAdd Vibrant to your digital wallet 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

Learn more aboutAdd external accounts instantly 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

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

Not-for-Profits Convenient banking built to support your goals. Your not-for-profit does important work every day, and every dollar counts. Our high-interest checking and savings accounts help you maximize your funds and stretch every donation further. Simplify your financial management with easy-to-use digital tools, transparent terms, and responsive local support. Together, we can help your nonprofit thrive! Checking Savings Profitable interest rates for your not-for-profit. Get started Think your bank can beat our rates ? Checking 3.00% APY* Savings 3.25% APY* *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Community Checking is a tiered account. For this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Balances less than $50,000 earn 3.00% APY. Balances greater than $49,999.99 earn between 1.00%-3.00% APY. Focus on your mission and we'll take care of the rest. Get industry-leading interest rates No hidden fees or transaction limits 24/7 mobile account management Experienced support team Still don’t believe us? Here’s how those numbers could stack up for you. $25,000 savings account size x 3.25% APY* = $811.84 earnings per year *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only for what a Community Savings account could earn after a year assume no additional deposits or withdrawals. Actual earnings may vary based on balance changes, rate changes, and other factors. Please consult a financial professional for more information. Our current product offerings: Open a checking account now Community Checking 3.00% APY* Open a checking account Community Savings 3.25% APY* Open a savings account Here's what you get when you bank with Vibrant. Earn interest with market-leading rates Free online banking with mobile depositing ACH payments enabled (bills & payroll) Includes debit card Write unlimited checks Dividends paid monthly Federally insured by NCUA No monthly service fees No transfer/withdrawal limits No minimum balance requirements No check clearing limits or transaction limits Gain membership access to our nationally-ranked CD rates Flexible credit card options Insured Money Market Accounts for balances up to $15M Relevant resources we've found for you. Forget Google—we've dug through the internet ourselves to find resources that can be helpful to new and experienced small business owners. Determining tax-exempt status Do you need to set up a 501(c)(3)? Budgeting solutions What does a not-for-profit budget look like? Gaining volunteer retention How do you keep volunteers engaged? Who can open an account? A ny not-for-profit that is legally formed and operates in the United States can open an account. You’ll need to provide your legal business name, legal address, business tax ID number, and the date your business was established. All of your account representatives—that is, the people who are authorized to conduct transactions—must be at least 18 years old and reside in the U.S., either as citizens or permanent resident aliens. How do I get a business tax ID number? Y ou can apply for an Employer Identification Number through the IRS—even if you don't have employees. When you apply online, you can receive your EIN immediately after completing the application. Get an EIN » What do I need to open an account besides a business tax ID number? That depends on the structure of your organization—whether you’re a sole proprietor, a partnership, or a corporation. You’ll need to provide documentation that confirms your ownership structure, such as articles of incorporation or ownership agreements. You’ll also need to provide information on all beneficial owners (that’s anyone who owns at least 25% of the business). Each of your account representatives will also need to provide a copy of their government-issued ID. Don’t worry—these can be submitted as digital photos. How much money will I need to deposit? To join Vibrant, all organizations must open a Business Membership Savings Account with a $5 deposit. Our checking and savings accounts have no minimum opening balance. For detailed information on our business rates and service charges, please refer to our rates page . Are there any types of business you don't work with? Vibrant specializes in working with small- and medium-sized businesses. Talk with one of our community relationship managers about your banking needs, and we'll help you find the BEST account for your needs, even if it's with another financial institution. In general, Vibrant is not able to work with businesses that engage in money services, internet gambling, marijuana sales or cultivation, or virtual currency. I am not a local organization. Will this be a deal breaker? Nope! We work with businesses/organizations all over the country. Our objective is to understand your business banking needs and support you! The first step is having a conversation with one of our Relationship Managers. They will help you get started, answer questions, and help you simplify your banking needs. My organization is growing and I have to be able to provide payroll to my employees. Can Vibrant help with this? Congrats! That's exciting, we'd love to be part of your growth journey. Yes, we have several organizations that utilize our payroll services. To ensure we can support your payroll needs, consult with a Relationship Manager before you get your accounts set up. My organization has investors and donors from around the world. Can Vibrant accept international wires? Technically, yes, but it requires an intermediary bank. The funds must first be deposited into another U.S. bank and then sent to us. The good news is that this is a common practice and something international senders are generally familiar with. More questions? We have answers. Ready to get started? Let’s partner up together. Open an account

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(And Why the Answer Isn’t the Same for Everyone) How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) At some point, most people end up asking the same question: “How much money should I actually keep in checking versus savings?” It feels like there should be a clean answer to this. A number you can aim for. A rule that confirms you’re doing things the right way. But money doesn’t really work like that — especially right now. If your balances don’t look like what you think they “should,” that doesn’t automatically mean you’ve messed something up. More often, it means you’re navigating higher costs, unpredictable expenses, and a lot of mixed messages about what you’re supposed to prioritize. So instead of chasing a perfect split, let’s talk about how to think about checking and savings in a way that’s actually helpful (and doesn’t make you feel behind before you even start). Why This Question Feels So Loaded Lately This used to be a pretty straightforward logistics question. Now? It feels personal. Everyday expenses are higher. Headlines are louder. Social feeds are full of people sharing “what you should have by now,” usually without much context about how different everyone’s lives actually are. So when you look at your accounts and feel like the numbers fall short, it’s easy to assume that’s on you. In reality, many people have shifted toward keeping more money accessible — not because they’re careless, but because flexibility feels safer. That’s not a failure. It’s a reasonable response to uncertainty. Before worrying about whether your checking‑to‑savings split is “correct,” it helps to ground the conversation in what those accounts are meant to do . What Checking and Savings Are Really There For At a basic level: Checking is about flow. It handles income, bills, daily spending — the money your life runs on. Savings is about flexibility. It’s there for breathing room, surprises, and things you’d rather not have collide with your weekly routine. That distinction still applies, but the line between the two has blurred. Many checking and savings accounts now earn meaningful interest, which changes the conversation. It’s no longer just about where money “sits.” It’s about where money can live comfortably while still growing . That matters when you’re deciding how much to keep where. So… How Much Should You Have in Each? Here’s the most honest answer: there’s a range, not a rule . Where people land depends on things like: How predictable their income is How variable their expenses are How much fluctuation they’re comfortable with What helps them sleep at night Some people keep more in checking to avoid timing stress. Others prefer a larger savings balance for peace of mind. Plenty of people move fluidly between the two. What matters more than hitting a textbook ratio is whether: Bills clear without anxiety Surprise expenses don’t derail everything You don’t feel like you’re constantly juggling transfers If those things are true, your split is probably doing its job — even if it doesn’t match anyone else’s formula. Why Keeping “Too Much” Accessible Isn’t Always Wrong You’ll often hear that keeping too much in checking is inefficient. But efficiency isn’t the only thing that matters. For a lot of people right now, access equals calm . Knowing you can cover something without moving money around, waiting on transfers, or second‑guessing timing has real value. This is where high ‑ yield checking and savings accounts can quietly make life easier. When money earns a strong return in either place, you’re not forced to choose between: Feeling prepared, or Letting your money grow You get flexibility without giving something up — and that’s a big deal when life doesn’t follow a neat script. A More Useful Way to Evaluate Your Setup Instead of asking, “Is this the right amount?” try asking: Can I pay what needs to be paid without stress? Do short‑term surprises feel manageable? Do I understand where my money is and what it’s doing? Is the money I keep accessible earning something reasonable? If you’re answering “yes” more often than not, your setup is functioning — even if it doesn’t look perfect on paper. Money systems that work in real life are often more forgiving than fashionable. That’s not a flaw. That’s what makes them sustainable. Making Changes Without Overreacting If you do want to adjust how much you keep in checking versus savings, it doesn’t have to be dramatic. Smaller shifts tend to be easier to live with: Let balances move gradually See how it feels over a month or two Prioritize comfort and clarity over precision Big changes, made all at once, often create more second‑guessing than progress — especially when everything else feels uncertain. The Takeaway There’s nothing inherently wrong with where your money lives if it’s supporting your life. Checking and savings aren’t competing goals — they’re complementary tools. And when both can earn competitive returns, you don’t have to contort your behavior just to feel like you’re “doing it right.” If your setup gives you flexibility, access, and the sense that you’re not constantly playing catch‑up, you’re probably in better shape than you think. Sometimes the best financial move isn’t hitting the perfect number. It’s choosing a setup that lets you breathe. Previous Item Next Item Read more from the blog Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) Read More > Award-Winning. Again. (Not our words, the WSJ's.) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected Read More > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job.

With interest rates high, now is a great time to consider adding a CD to your financial portfolio. Is a Certificate of Deposit (CD) right for you? With interest rates high, now is a great time to consider adding a CD to your financial portfolio. You shouldn’t expect to become fabulously wealthy by opening a Certificate of Deposit (CD). But if you’re looking for a safe place to earn a guaranteed return on your savings, right now is a great time to consider adding a CD to your financial portfolio. With interest rates rising, many CDs are paying the highest rates consumers have seen in more than 20 years. How is a CD different from an ordinary savings account? In simple terms, a Certificate of Deposit is a type of savings account—one that pays higher interest on your balance in exchange for your promise not to withdraw any funds for a set period of time, which at Vibrant can range from 3 months to 5 years. Further, so long as your deposit balance doesn’t exceed NCUA insurance limits ($250,000 in total deposits per account holder at a single credit union), those returns are guaranteed so long as you don’t need to withdraw your cash early—and it never hurts to have an extra level of assurance considering recent volatility in the banking sector . Talk to us if you’re interested in depositing more than $250,000 for cost-free strategies for maximizing your deposit insurance coverage. The kinds of people who should consider investing in a CD If your current financial goals fall into any of the following categories, a CD might be the right solution for you. You’re saving for a short-term goal If you’ve been setting aside money for a down payment on a home, a new car or boat, a dream vacation, or a wedding, then putting your savings in a CD is a good way to grow your nest egg faster without committing to a long-term investment. You want to jump-start your retirement savings Even if retirement is a long way off, you can invest in an IRA CD at any age—and, right now, potentially earn a better rate of return than you would through your 401(k). With an IRA CD, your investment itself is tax-deductible (similar to the way that 401(k) contributions are made with pre-tax dollars). And, unlike a conventional CD, an IRA CD enables you to put off paying taxes on the interest income you earn until it’s time to make a withdrawal from your retirement plan. You can even roll over your IRA into a different retirement savings plan without tax penalties once your 401(k) starts earning more. You want to protect your cash against inflation When inflation is high, the value of your savings decreases. Putting your savings into a CD can help protect your money by locking in a fixed interest rate until the economy improves. You want a safe and secure place to park your savings CDs are a low-risk way to grow your money. The interest rate is fixed, so you know exactly how much money you will earn. Further, Vibrant CDs are insured by the NCUA, which means your money is protected up to $250,000 per account holder (and you can talk with a banker about strategies to maximize your NCUA coverage if you want to invest more). You want a great rate but don’t have a lot of money to invest While many financial institutions require a minimum deposit amount in the four figures to get their best CD rates, all of Vibrant’s CDs are available with a minimum $5 deposit. The bottom line Before you put your savings in a CD, think carefully about when you will need to access the money you’re setting aside. All financial institutions charge some kind of early withdrawal penalty if you need to close a CD before it reaches maturity—up to and including giving up all the interest you’ve earned to date. Once you decide how long you can afford to set aside your savings, compare your options to find the term and interest rate that work best for you. See Vibrant’s current CD rates, then reach out to one of our personal bankers for help opening an account or open an account online . Disclosures Before you open a Certificate of Deposit, be aware that there may be penalties imposed if you withdraw your money before the end of the term. Unless you specify otherwise, Vibrant's certificates will automatically renew at the end of the term—the 13-month CD automatically renews into a 12-month CD at maturity. Vibrant will contact you before your CD reaches maturity to help you choose not to renew or if you'd prefer to renew for a different term. All Vibrant CDs are federally insured by NCUA. Previous Item Next Item Read more from the blog Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) Read More > Award-Winning. Again. (Not our words, the WSJ's.) Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected

WSJ Award-winning. Again. The Wall Street Journal recognized Vibrant Credit Union two years running. Ninety years of evolving, improving, and refusing to be just another financial institution. And now, there are receipts. Open an account High-yield accounts 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 review your balances any time—all from your own device. No hidden fees With Vibrant, you'll never be surprised by monthly fees or minimum balance requirements. Open an account from anywhere See how you can earn more with Vibrant Compare our rates with other banks, and it’s easy to see why we lead the way. Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. 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. *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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. 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. 3.75% APY* on balances up to $24,999 No monthly fees No minimum balance requirements No minimum debit card transactions required No direct deposit required Get paid up to 2-days early with eligible direct deposits¹ 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 in minutes 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. Open an account now Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. 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+ 0.005% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.005% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.005% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.005% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.005% 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 October 1, 2026. 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. 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 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. How does early direct deposit work? Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday. Timing depends on when the payment file is received. Is early direct deposit guaranteed? No. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access. ¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.