Your Vibrant deposits are insured up to $250,000 per account holder. If you keep your IRA here as well, that deposit is separately insured up to $250,000. How we protect your money Security When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? Government protection The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Your retirement is covered IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Using more accounts for more coverage For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage.

Find the nearest Vibrant branch or one of more than 30,000 surcharge-free ATMs across the United States. Locations Bank in person at one of our Moline branches or enjoy full-service digital banking with our ITMs. Plus, Vibrant members now have access to over 37,000 surcharge-free ATMs. Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find an ATM For a list of nearby ATM locations delivered right to your phone, text your ZIP code to 91989. Vibrant HQ Branch Vibrant Credit Union 6600 44th Avenue Moline, IL 61265 More details SouthPark Branch Vibrant Credit Union 4400 16th St Moline, IL 61265 More details Vibrant ITM* Vibrant Coffeehouse & Kitchen 3230 Ridge Pointe Bettendorf, IA 52722 More details *This location features a full-service ITM (interactive teller machine) that connects you with our Vibrant team via video. ITMs are available Monday–Friday from 8:30 a.m. to 5 p.m. CT and Saturdays from 8:30 a.m. to noon, and can be used as a standard ATM any time the location is open. Learn more about how our ITMs work here. More ATMs. More places to get cash. Vibrant members have access to 37,000+ surcharge-free ATMs nationwide through the CO-OP Network. Just use your Vibrant debit card at a participating ATM. Find one near home, across town, or wherever you are with the CO-OP ATM Locator . Please note: the CO-OP locator may also display Shared Branch locations. Vibrant does not participate in CO-OP Shared Branching. Find a Surcharge-Free ATM

Make the most of your Vibrant account with these handy tools. Sign up for e-statements, request Skip-a-Pay on your personal or auto loan, and more. Bank your own way Find everything you need to manage your finances. View FAQs Set up online banking Securely access all your Vibrant accounts via your browser. Check your balances Pay bills Transfer money Enroll in online banking now The closest branch is your phone Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Android Download the Vibrant app on Google Play > Apple Download the Vibrant app on the App Store > Stretch your budget with Skip-a-Pay Short on cash because of unexpected expenses? With Skip-a-Pay, you can skip your monthly payment on your Vibrant vehicle or personal loan up to two times a year (non-consecutive months only). Request Skip-a-Pay More resources 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 > Shorten your to-do list E-statements Save a trip to the mailbox and get instant access to your statements when you receive them electronically. Sign up for e-statements Direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. How to set up direct deposit Bill Pay Save time and stay organized by paying your bills from one convenient place in Online Banking. Enroll in Bill Pay

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 Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) 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 > 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.

And When It Makes Sense to Use It How Mobile Check Deposit Works And When It Makes Sense to Use It Mobile check deposit is one of those features that feels almost too easy. Snap a photo. Submit. Done. For most people, it’s become second nature. But because it’s so simple, it’s easy to forget there’s a process behind it — and a few situations where slowing down is actually helpful. Understanding how mobile deposit works (and when it’s the right choice) makes it easier to use confidently, without second‑guessing or overthinking it. What’s Actually Happening When You Deposit a Check by Phone When you deposit a check through an app , the check isn’t magically disappearing into the system. The images you submit are reviewed, verified, and processed through the same banking networks as a physical check. The difference is convenience, not legitimacy. Mobile deposit replaces: A trip to a branch or ATM Manual handling of the check Waiting in line with a digital version of the same process. That’s why it works best when expectations are set correctly from the start. Why Mobile Deposits Aren’t Always Instant One of the most common questions around mobile deposit is timing. Sometimes funds appear quickly. Other times, there’s a short delay. That variation isn’t random — it’s part of how checks are verified. A few things can affect timing: The check amount Whether the check matches typical deposit patterns Image clarity Timing of the deposit This doesn’t mean something is wrong. It usually means the system is doing its job in the background. If you’re depositing a routine check that looks like past activity, things often move quickly. When something looks different, the review process can take a bit longer. When Mobile Deposit Is a Great Fit Mobile check deposit shines in everyday situations. It’s especially useful when: You receive checks occasionally You don’t want to rearrange your day around a deposit The amount fits comfortably within typical deposit patterns In these cases, mobile deposit removes friction without adding complexity. You do the same thing you would have done in person — just from wherever you are. For most people, this covers the majority of use cases. When It’s Worth Pausing for a Moment Mobile deposit is convenient, but it doesn’t have to be the answer every single time. It’s worth slowing down if: The check amount is significantly larger than usual The check comes from an unfamiliar source You need immediate certainty around availability In those situations, giving the deposit a little extra attention can save frustration later. That might mean double‑checking details, making sure images are clear, or choosing a different deposit method if timing matters. This isn’t about avoiding mobile deposit — it’s about matching the tool to the situation. Simple Practices That Prevent Common Issues Most mobile deposit issues aren’t technical. They’re visual or procedural. A few habits make a big difference: Endorse checks correctly Place checks on a flat, dark surface when photographing Make sure all corners are visible Store the physical check safely until the deposit fully processes Taking an extra moment here reduces delays and prevents follow‑up steps later. The goal is fewer surprises, not faster taps. Why This Feature Fits Real‑Life Banking Mobile deposit works best when it fades into the background. You’re not supposed to think about it often. You’re just supposed to trust that when you need it, it works — without adding rules, extra steps, or stress. When financial tools are designed this way, they don’t change how you live your life. They just remove unnecessary obstacles. That’s exactly what mobile check deposit is meant to do. On Last Thought Mobile deposit isn’t about speeding everything up. It’s about making everyday tasks easier. When you understand what’s happening behind the scenes and use the feature intentionally, it becomes a reliable option instead of a guessing game. Convenience works best when it’s paired with clarity. Luckily, you don’t need to choose one over the other. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) 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 > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) 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 > APY vs. Dividend Rate Why there are two numbers (and what they actually mean)

Elite Bigger balance. Better rate. Still no hoops. Earn up to 4.25% APY* with Vibrant Elite Savings. Open an account Award-winning rates Two-time Wall Street Journal Buy Side award winner. The trophy's great. The rates are better. Your bank, in your pocket Deposit checks and move money anytime — all from your own device. Full banking access, zero branch required. High yields. No strings. Earn interest comparable to a high-yield CD without locking your money up — no penalties, no monthly fees. Open an account in minutes 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. See which rate your balance will get you Elite Savings Tier 1 Your first big balance deserves a rate that treats it that way. No requirements, no fine print — just a real return from day one. 3.50% APY* on balances $100,000 - $249,999 Rate increases automatically when you reach Elite Savings Tier 2. See more savings account rates > Elite Savings Tier 2 The reward for doing it right, for a long time. Your rate moves up automatically when you cross $250K — no application, no phone call. 3.75% APY* on balances $250,000 - $999,999 Rate increases automatically when you reach Elite Savings Tier 3. See more savings account rates > Elite Savings Tier 3 At $1M+, you have options. Here's what people with options keep coming back to: a rate worth moving for, and an account that stays out of your way. 4.25% APY* On balances over $1,000,000 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 Not at $100K yet? You're still in the right place. Elite Savings is designed for balances of $100,000 and above—but it's not the only way to earn more with Vibrant. Whether you're just getting started, building toward a savings goal, or looking for a better everyday banking experience, we offer high-yield checking and savings options designed to help your money work harder at every stage. Explore more accounts 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 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. 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.

Learn about the latest developments at Vibrant and check out our blog for sound advice about your finances. From the blog Read more > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) 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 > 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 > APY vs. Dividend Rate Why there are two numbers (and what they actually mean) 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 > Award-Winning. Again. (Not our words, the WSJ's.) 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 > Easy Ways to Add Money to Your Account Getting money into your account is quick—and once you do, you can start taking advantage of our award-winning rates right away. Read more > How to Earn Interest on Your Money Without Locking It Up Want to earn more on your savings without locking up your money? Learn how to keep your cash accessible while still earning competitive interest. 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 >

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 All Home Game Season Tickets Vibrant members get 20% off Check your email inbox for details! Disney On Ice Thursday, December 3, 2026 - Sunday, December 6, 2026 Vibrant members get $5 off per ticket Check your email inbox for details! Harlem Globetrotters Thursday, January 7, 2027 Vibrant members get discounted tickets (varies by seat) Check your email inbox for details! Cirque Alice Wednesday, February 3, 2027 Vibrant members get discounted tickets (varies by seat) Check your email inbox for details!

Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Want to be more financially savvy? These tips will help you skillfully manage your money Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Create an inflation-proof budget Rising prices can make it feel impossible to create a budget that allows you to enjoy life and still build your savings. But it is possible. Here's how to get started. Review your expenses. The first step to creating a budget is to review your bills and expenses. This is a great way to track where your money goes each month. Are you spending too much on dining out? Could you get a better deal if you switch cell phone providers? Are you paying for music and video streaming services that you don’t use anymore? Reviewing expenses gives you a better understanding of how your money is being spent and how you can modify your choices to live a more financially successful life. Increase your income. Take a look at your current salary and compare it to other people in similar roles ( Glassdoor's salary index is a great place to start). Is it in line with industry averages for your role? If not, consider negotiating a higher salary with your current employer. Another option is to move to a different company. Protocol reports professionals who job-hopped in the past few years “received a 30% increase in salary.”If increasing your salary isn’t possible now, there are other ways to grow your checking account balance. Many individuals are starting side-hustles to supplement their income. If you have many years of experience in an industry, you can offer consulting or training services. If you have musical talent, you can perform at gigs or give music lessons. And, if you’re on social media all the time, consider that social media management and blogging are considered some of the most profitable side jobs. Expand your professional skills. Learning new skills can open up new job opportunities—and access to industries where you may not have experience. Start saving In addition to modifying your budget and increasing your income, saving money is a vital part of money management. Set aside a fixed amount to deposit into your savings account each month. It doesn’t have to be a large amount—you can start with 5 percent and increase that amount as your earnings increase. What’s important is to make savings a habit. Consider setting up an automatic transfer to savings every time you get paid. Invest for the future Investing can sound scary, but it doesn’t have to be. Investing is simply making your money work for you instead of having it sit in your bank account. Even if you’re not ready to invest in the stock market, putting your money in a high-yield savings account or a certificate of deposit can produce profitable results. If you’re not sure how or where to start investing your money, talk to a financial adviser for help evaluating your various investment choices. Review your retirement options Planning ahead for your golden years ensures your retirement will be enjoyable and relatively stress-free. If your employer offers a retirement plan like a 401(k), it’s a great idea to start investing in it as soon as you can, especially if they offer a matching contribution. If you don’t have access to an employer plan, or if you want to save more than your employer’s plan allows, you have two options for opening an individual retirement account (IRA). Traditional Individual Retirement Account (IRA) A traditional individual retirement account is funded with pre-tax money. This means you have the benefit of getting a tax deduction on your contribution. Be aware: This means you may owe taxes on the money when you withdraw it. You will also not be able to withdraw funds until you reach the age of 59½. Expect your retirement savings needs to change over time, especially if you change employers. Investopedia notes, “Rolling your money over into an IRA will often reduce the management and administrative fees you've been paying.” Your financial advisor can counsel you on the best course of action to take for your retirement funds. Sign up for Vibrant Credit Union’s personal banking services Transforming into a financially savvy superstar is easy when you take advantage of Vibrant’s personal banking services. Our friendly and knowledgeable team makes banking services easy to understand so you can achieve your financial goals. Contact us to discuss all that we can help you achieve. FAQs Q: What do I need to open a Vibrant checking or savings account? A: To open an account, you’ll need to provide the following: Full name Address Social Security Number Valid, government-issued photo ID: driver’s license, passport or military ID. Minimum deposit of $5 to activate your account. Every Vibrant member must open a membership savings account with a minimum $5 deposit before they can take advantage of other products and services. Q: How much money should I keep in my checking account? A: We recommend keeping 1–2 months of living expenses in your checking account. Q: How do I open an IRA? A: Schedule an appointment with a Vibrant personal banker to review your goals. They'll set up your account and help you choose a portfolio that's the right fit. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) 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 > 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.

Learn about Vibrant HQ, Vibrant's corporate headquarters in Moline, Illinois. Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Add a Title Welcome to Vibrant HQ Come visit us at a branch to get expert assistance from our team. Get directions Your one stop for everything Vibrant. Banking Check out our ITMs, where you can speak face-to-face with a teller, or come into a branch for help opening a new account, applying for a loan, and getting assistance with your existing account. Corporate offices It’s where to go for job interviews and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! A great place to work If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. Meet our new state-of-the-art ITMs Our new all-digital branch at Vibrant HQ is the first to feature interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Frequently asked questions How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday and 8:30 a.m. to 12 p.m. CT on Saturday.

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 Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) 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 > 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.

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