Manage your QuickBooks or Quicken software Vibrant will undergo scheduled maintenance to our online and mobile banking system on February 4, 2025. This will require you to make changes to your QuickBooks or Quicken software. Please follow the instructions below to ensure a smooth transition. First action date: February 3, 2025 A data file backup and a final transaction download should be completed by this date. Transaction history may not be available after February 3, 2025. Second action date: February 5, 2025 You will need to deactivate and reactivate your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection. Conversion Instructions Choose the software you are using for step-by-step instructions on connecting your Vibrant accounts. Quicken QuickBooks Desktop QuickBooks Online Please carefully review your downloaded transactions after completing the instructions to ensure no transactions were duplicated or missed on the register. Previous Item Next Item

Get one of the best high-interest checking accounts available anywhere. Apply online in minutes and start earning more. Earn 3.75% APY* on your checking balance up to $24,999 That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Earn 3.75% APY* on your checking balance up to $24,999 That could add up and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and more—right from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena , special offers from Vibrant Music Hall , plus much more. Open a checking account Which account is right for you? Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 3.75% APY* on balances up to $24,999. Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Featuring Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. 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 May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $ 0 – $24,999 4.00% Premier Checking Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% 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. The closest branch is as near as your phone Apple Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Android Find a nearby ATM, check your balances, or transfer funds on the go. Download the Vibrant app Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated on Premier Checking? 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 rate listed for that amount at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month.

Looking for a member service agreement or our current rates and charges for various products? You're in the right place. Careers Privacy Notice Privacy Notice about Collection of Personal Information for Applicants, Employees, and Contractors Vibrant Credit Union (the “Company”) is providing you with this Privacy Notice about Collection of Personal Information for Applicants, Employees, and Contractors (“Notice”) in accordance with the California Consumer Privacy Act, as modified by the California Privacy Rights Act of 2020, (the “CCPA”) to inform you about: the categories of Personal Information that the Company collects about applicants, employees, and contractors; why we collect it, how we use and share it; and the rights you have relating to your Personal Information under the CCPA. For purposes of this Notice, the term “Personal Information” (“PI”) means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is publicly available, de-identified, or aggregated. Not all PI identified in this Notice is collected about each applicant, employee, or contractor. The PI collected from and about each individual will depend upon the status of their relationship with the Company, their role, and other circumstances. Assistance For Disabled Applicants and Employees Alternative formats of this Notice are available to individuals with a disability. Please contact hr@vibrantcu.org for assistance. How and Why We Collect and Disclose Your Personal Information, Including Within the Past 12 Months Identifiers 1.1. Personal Information Collected Includes: real name, nickname or alias, postal address, telephone number, e-mail address, unique personal identifier, Social Security number, signature, online identifier, Internet Protocol address, bank account name and number for direct deposits, driver’s license number or state identification card number, passport number, or other similar identifiers. 1.2. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems, created by us (e.g., your username and Company email address), and from service providers that help us to run our business. 1.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 1.4. Purposes for Collection, Use, and Disclosure: to communicate with you, to assess your eligibility for employment, to onboard and enroll you as an employee, to allow you to perform job functions, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us. 2. Personal Information Described in Cal. Civ. Code § 1798.80(e) 2.1.Personal Information Collected Includes: your name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or other financial information, medical information, or health insurance information. 2.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 2.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 2.4. Purposes for Collection, Use, and Disclosure: to communicate with you, to assess your eligibility for employment, to onboard and enroll you as an employee, to manage job duties and operate our business, to manage corporate information technology, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us. 3. Characteristics of Protected Classifications Under California or Federal Law 3.1. Personal Information Collected Includes: age and date of birth; marital status; race; ancestry; ethnic origin; sex; gender; sexual orientation; gender identity; gender expression; religion or creed; military or veteran status; medical condition; pregnancy, childbirth, breastfeeding, and related medical conditions; genetic information; disability. 3.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 3.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 3.4. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, for diversity and inclusion programs. 4. Commercial Information 4.1. Personal Information Collected Includes: records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies. If you interact with Vibrant Credit Union as a consumer, you can find our Privacy Notice here: https://www.vibrantcreditunion.org/privacy . 4.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business. 4.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 4.4. Purposes for Collection, Use, and Disclosure: reimbursement of expenses, auditing, to detect and prevent fraud against you and/or us. 5. Internet or Other Electronic Network Activity Information 5.1. Personal Information Collected Includes: browsing history, search history, log-in or log-out activity on Company resources, email communications, stored documents and emails, all activity on Company communication systems, other information regarding an employee’s use of Company-issued devices, and information regarding your interactions with our websites, applications, or advertisements. 5.2. Categories of Sources from which PI is Collected: automatically when you use our electronic systems and/or Company-issued devices, from service providers that help us to run our business. 5.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, governmental authorities. 5.4. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems, to manage job duties and operate our business, to detect and prevent fraud against you and/or us, to conduct internal audits, and to conduct internal investigations. 6. Geolocation Data 6.1. Personal Information Collected Includes: access-control data based on employee badge swipes and location data inferred from your device’s IP address. 6.2. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems. 6.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 6.4. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems, to detect and prevent fraud against you and/or us, to conduct internal investigations. 7. Audio, Electronic, Visual, Thermal, Olfactory , or Similar Information 7.1. Personal Information Collected Includes: closed-circuit images, photographs and video of you (for ID badges, marketing materials, etc.), and audio recordings as may relate to your job functions. 7.2. Categories of Sources from which PI is Collected: directly from you, automatically while you are on Company property or using certain Company devices (e.g., if you answer or place phone calls on a recorded line or use our video conferencing software). 7.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 7.4. Purposes for Collection, Use, and Disclosure: to manage the security of our premises and systems; to manage job duties, evaluate performance, and operate our business; to conduct internal investigations. 8. Professional or Employment-Related Information 8.1. Personal Information Collected Includes: recruitment information (such as skills, qualifications, references, recommendations, and other information included in a resume, application form, or cover letter); background information commonly used for onboarding and security screenings; employee profile information (employee status, organization information, performance and talent information, employment background, functional experience, leadership experience, honors or awards, timesheets, education, training, professional certifications, evaluations, developmental planning, career interests and development information, and other talent management and team-based assessments); compensation, payroll and benefits information; medical, parental, family, vacation, and other leave and associated records, including details of the types of and reasons for leave being taken, duration of leave, and leave-related correspondence; any termination of employment documentation, including resignation letters, dismissal letters, minutes of meetings, settlement agreements, and related correspondence. 8.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 8.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business, benefits providers, governmental authorities. 8.4. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment; to onboard and enroll you as an employee; to manage job duties, evaluate performance, and operate our business; to provide compensation and benefits; to comply with applicable laws and regulations; to manage the security of our premises and system; to detect and prevent fraud against you and/or us; to conduct internal investigations. 9. Non-Public Education Information 9.1. Personal Information Collected Includes: school(s) attended, grades, and other information relating to your secondary and post-secondary education. 9.2. Categories of Sources from which PI is Collected: directly from you. 9.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 9.4. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment, to onboard and enroll you as an employee, and to assist with professional licensing. 10. Inferences Used to Create a Profile 10.1. Personal Information Collected Includes: information reflecting your preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. 10.2. Categories of Sources from which PI is Collected: directly from you, drawn from other categories of Personal Information we collect. 10.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 10.4. Purposes for Collection, Use, and Disclosure: to manage job duties, evaluate performance, and operate our business; to manage corporate information technology; to detect and prevent fraud against you and/or us. 11. Background Screening Information 11.1. Personal Information Collected Includes: results of the following types of background screening: credit history, bond and surety history, criminal history; sex offender registration; motor vehicle records; employment history; drug testing. 11.2. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business, from third parties. 11.3. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 11.4. Purposes for Collection, Use, and Disclosure: to screen applicants and employees for risks to the Company and continued suitability for their jobs, to evaluate employees for internal promotions. 12. Sensitive Personal Information 12.1. Social Security, Driver’s License, State Identification Card, or Passport Number. 12.1.1.1. Categories of Sources from which PI is Collected: directly from you. 12.1.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.1.1.3. Purposes for Collection, Use, and Disclosure: to assess your eligibility for employment, to onboard and enroll you as an employee, to provide compensation and benefits, to comply with applicable laws and regulations, to manage the security of our premises and systems. 12.2 Account Log-in, Financial Account, Debit Card, or Credit Card Number in Combination with any Required Security or Access Code, Password, or Credentials Allowing Access to an Account. 12.2.1.1. Categories of Sources from which PI is Collected: directly from you, automatically when you use our electronic systems. 12.2.1.2 .Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.2.1.3. Purposes for Collection, Use, and Disclosure: to manage corporate information technology, to manage the security of our premises and systems. 12.3. Personal Information that Reveals an Employee’s Racial or Ethnic Origin, Citizenship or Immigration Status, Religious or Philosophical Beliefs, or Union Membership. 12.3.1.1. Categories of Sources from which PI is Collected: directly from you and documents you provide with your US Citizenship and Immigration Services Form I-9, from service providers that help us run our business, from third parties. 12.3.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.3.1.3. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, for diversity and inclusion programs. 12.4. Contents of Mail, Email, and Text Messages Except Those for which We are the Intended Recipient. 12.4.1.1. Categories of Sources from which PI is Collected: directly from you, from service providers that help us to run our business. 12.4.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.4.1.3. Purposes for Collection, Use, and Disclosure: to manage job duties, to evaluate performance, to operate our business, to manage corporate information technology. 12.5. Personal Information Collected and Analyzed Concerning an Employee’s Health. 12.5.1.1. Categories of Sources from which PI is Collected: directly from you, service providers that help us to run our business, and benefits providers. 12.5.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business and benefits providers. 12.5.1.3. Purposes for Collection, Use, and Disclosure: to manage job duties, to operate our business, to provide benefits incentivize making healthier lifestyle choices, and to comply with applicable laws and regulations. 12.6. Personal Information Collected and Analyzed Concerning an Employee’s Sexual Orientation. 12.6.1.1. Categories of Sources from which PI is Collected: directly from you, from service providers that help us run our business, from benefits providers. 12.6.1.2. Categories of Recipients to which PI may be Disclosed: service providers that help us to run our business. 12.6.1.3. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, to provide benefits, for diversity and inclusion programs. We do not use or disclose Sensitive Personal Information for purposes to which the right to limit use and disclosure applies under the CCPA. Additional Categories of Personal Information we Collect We collect the following information about you that does not directly fall within the categories listed in the CCPA: Visa status and work authorization information (including information from related documents, such as your passport, driver’s license, or other identification, proof of residence, and proof of authorization to work in the United States) Emergency contacts/next of kin information, details about your spouse/partner, dependents, and beneficiaries (such as their names, ages, titles, relationship to you, addresses, telephone numbers, and email addresses) Languages spoken Criminal records information including results of background checks obtained through government agencies such as the US Federal Bureau of Investigation Withholdings and tax information (such as information collected on IRS Form W-4 and California Tax Form DE 4) Information about births, adoptions, deaths, child medical support orders, loss of eligibility for medical coverage, and other life events that may trigger an opportunity to modify your benefits elections Information about your health, sickness, and absences (including information regarding your physical and/or mental health, any participation in health and wellness programs, drug and alcohol screening information, medical provider information – for example, if you apply for workers’ compensation – and information about any conditions that may require accommodations within the workplace) Information about your credit history and bond or surety history Unless otherwise specified, the sources of this Personal Information, the purposes for which we use it, and the categories of persons to which we disclose it are the same as those listed for Professional or Employment-Related Information. Disclosures of California Employee Personal Information We do not, nor have we within the preceding 12 months, sell or share for cross-context behavioral advertising the personal information of employees that we collect in relation to your employment at Vibrant Credit Union. If you also interact with us as a consumer, please review our Privacy Notice for more information about our practices in that context. How Long We Keep Your Personal Information We keep the categories of Personal Information described above for as long as necessary or permitted for the purposes described in this Notice or otherwise authorized by law. This generally means holding the information for as long as one of the following apply: Your Personal Information is reasonably necessary to manage our operations, to manage your relationship with us, or to satisfy another purpose for which we collected the information; Your Personal Information is reasonably necessary to carry out a disclosed purpose that is reasonably compatible with the context in which the Personal Information was collected; The Personal Information is reasonably necessary to protect or defend our rights or property (which will generally relate to applicable laws that limit actions in a particular case); or We are otherwise required or permitted to keep your information by applicable laws or regulations. Where information is used for more than one purpose, we will retain it until the purpose with the latest period expires. For more information about our retention policies, please contact us using the contact details below. Submitting Requests Relating to Your Personal Information If you are a resident of California, you have the right to submit certain requests relating to your Personal Information as described below. To exercise any of these rights, please submit a request by contacting us at hr@vibrantcu.org or (800) 323-5109. Please note that, if you submit a request to know, request to delete or request to correct, you will be asked to log into your employee account or to provide 2-3 pieces of Personal Information that we will match against our records to verify your identity. You may designate an authorized agent to make a request on your behalf; however, you will still need to verify your identity directly with us before your request can be processed. An authorized agent may submit a request on your behalf using the webform or toll-free number listed above. Right to Know. You have the right to know what Personal Information we have collected about you, which includes: The categories of Personal Information we have collected about you, including: a. Categories of Sources from which PI is Collected: directly from you, from service providers that help us run our business, from benefits providers. b. Purposes for Collection, Use, and Disclosure: to comply with applicable laws and regulations, to provide benefits, for diversity and inclusion programs. c. The categories of Personal Information that we disclosed for a business purpose, and for each category identified, the categories of recipients to which we disclosed that particular category of Personal Information; d. The specific pieces of Personal Information we have collected about you. Right to Delete Your Personal Information. You have the right to request that we delete Personal Information we collected from you, subject to certain exceptions. Right to Correct Inaccurate Information. If you believe that Personal Information we maintain about you is inaccurate, you have the right to request that we correct that information. Right to Non-Discrimination for the Exercise of Your Privacy Rights. If you choose to exercise any of your privacy rights under law or regulation, you also have the right not to receive discriminatory treatment by us, including retaliation against you as an employee, job applicant, or independent contractor. How to Contact Us If you have questions regarding this Notice, you can contact us by phone at (800) 323-5109 or via email at hr@vibrantcu.org . Last updated: May 16, 2025.

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

If you financed a vehicle or equipment through a dealer, your loan may be financed by Vibrant Credit Union — even if you never spoke with us directly. Got a loan financed by Vibrant Credit Union? You’re in the right place! Open an account now Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. If you financed a vehicle or equipment through a dealer, your loan may be financed by Vibrant Credit Union — even if you never spoke with us directly. This page explains why you’re a member, how your account is set up, and the easiest ways to pay your loan. Yes, you’re a Vibrant member As part of your loan, a Membership Share Account was opened in your name. This account establishes your Vibrant membership and gives you access to Online Banking. What to know: Your account is active—once you set up your online banking login, you’re ready to go! From there, you can manage your loan, open accounts, and take advantage of our high‑yield products How (or if) you use the account is completely up to you How to pay your loan You have three ways to make payments . The right one depends on how you want to manage your money. Option 1: Best if you’re using a debit card or another financial institution. Use the Loan Payment Portal to: Pay with a debit card Set up ACH payments from another bank View payment history and statements This option is used when you don’t have an active Vibrant account set up for payments. Note: The Loan Payment Portal has its own login—it’s separate from Vibrant Online Banking. Go to Loan Payment Portal Pay through the Loan Payment Portal Option 2: The simplest option—everything in one place. Because you’re already a Vibrant member, you can pay your loan directly from Vibrant Online Banking once you have a funded Vibrant account. Here’s how it works: Log into online banking using your membership share account number, Social Security number, and the email address from your loan paperwork Move funds into your account or open a high-yield checking or savings account Transfer funds directly to your loan using an internal transfer Already using another bank? You can also link an external account to Online Banking and transfer funds from there. Note: Vibrant Online Banking uses a different login than the Loan Payment Portal. Go to Online Banking Pay Directly in Vibrant Online Banking Option 3: Prefer to keep it old‑school? That works too. Mail your check to: Vibrant Credit Union ATTN: Payments PO Box 1550 Moline, IL 61266 Remember to include your account number on the memo line for faster processing. Pay by mail with a check Online Banking = Your Control Center Vibrant Online Banking lets you: View your Membership Share Account Pay your loan directly with internal transfers Link external accounts Open new accounts online Manage everything in one place Set up online banking Get more from your membership Our high‑yield checking and savings accounts let you: Earn up to 20x more than the average credit union Pay your loan with simple internal transfers Manage everything from one dashboard You can open and fund an account right in Vibrant Online Banking — it takes about 5 minutes . Explore high-yield checking & savings Need a walkthrough? Sometimes seeing it is easier than reading about it. Watch some of our short videos below. If you’d rather talk to a real person, call 800‑323‑5109 or contact support . How to set up your online payment portal login: How to make a your loan payment online: How to update the password to your account: How to set up automatic payments:

Vibrant started the Be The Good Foundation to build and sustain vibrant communities throughout Iowa and Illinois. Be The Good Foundation Empowering Our Communities Add a Title Help us Be the Good Join us in creating more vibrant communities in Iowa and Illinois. BE THE GOOD FOUNDATION Empowering Our Communities Our Vision To be a driving force for positive change—fueling communities with funding, volunteer support, and opportunities to thrive. We envision Vibrant communities where people grow together, opportunities abound, and compassion leads the way.  Our Mission We fund projects and programs that boost financial literacy, equip kids with essential life skills, and create thriving communities. We do this with purpose and heart, rooted in our belief that when people and organizations come together for good, everyone benefits.  Groups We Support Be The Good Foundation particularly focuses on organizations and initiatives that support: Improving financial literacy Helping kids develop career and leadership skills Resources that make our communities better and safer Communitywide cultural and social enrichment We prioritize giving to organizations whose work helps as many people as possible, regardless of religious or political affiliation or socioeconomic background. Our Core Values We love our communities and want to make them even better. We’re proud to be a part of the communities we serve. These aren’t just places on a map—they’re home. We believe that when you care deeply about a place, you do your part to help it grow, improve, and thrive. Whether that means supporting grassroots programs and projects, investing in local leadership, or simply showing up where we’re needed, we are here to uplift and empower. Our communities deserve to flourish, and we’re committed to being a part of that transformation every step of the way. We believe in good—doing good, being good, and spreading good. In a world that can often feel divided or heavy, we choose to lead with hope and positivity. We intentionally support programs and projects that are doing good in their pocket of the world—because we believe those efforts ripple outward in powerful ways. To us, “good” isn’t just an abstract idea. It’s about showing kindness, standing up for others, lending a hand, and doing what’s right, even when it’s not easy. By consistently choosing good, we hope to inspire others to do the same—and together, create a more compassionate and connected world. We’re here to help people. Helping others is at the heart of who we are. It’s not about grand gestures or recognition—it’s about meeting people where they are and supporting them in ways that truly matter. We believe that no act of help is too small. Whether we’re backing nonprofit organizations with innovative solutions, responding to urgent community needs, or simply making life a little easier for someone facing a tough time, we approach every effort with care, compassion, and the belief that every person is worth investing in. When people feel seen and supported, they can rise—and that’s the kind of world we want to build. We’re hopeful and optimistic. We see so much good happening around us—nonprofits doing extraordinary work, volunteers stepping up with heart, and communities coming together with courage and resilience. That gives us hope. We choose to believe in what’s possible, even in the face of challenges. Our optimism isn’t naïve—it’s rooted in the real, tangible work being done by people and organizations who care deeply and work tirelessly. That’s why we support them. They inspire us daily, and we believe their efforts are building a brighter, more vibrant future for everyone. We bring joy to what we do. Joy is a driving force in our work. Yes, we tackle serious issues—but we also believe that joy, gratitude, and connection make our efforts even more impactful. We celebrate the wins, cherish the partnerships, and find meaning in the small moments. When you love what you do and believe in why you’re doing it, joy becomes a natural part of the process. It fuels us, lifts others up, and reminds us that even in the hardest work, there’s room for light and celebration. We care about real results. We’re not just here to feel good—we’re here to do good, and to do it well. That means staying focused on the outcomes that truly make a difference in people’s lives. We want to see positive change that lasts—more access to opportunities, stronger support systems, healthier and wealthier communities. That’s why we support initiatives that are strategic, measurable, and seek real impact. When we give, we give with purpose. And we expect our partners to do the same, because our ultimate goal is lasting, meaningful progress—not just quick wins. Integrity matters—always. We believe that integrity is the foundation of everything. It builds trust, ensures accountability, and creates the conditions for real change. We hold ourselves to high ethical standards in everything we do—from how we select and support our grantees to how we communicate with our community. And we ask the same of those with whom we partner. Doing good isn’t just about the results—it’s also about how we get there. Integrity means being transparent, honest, and consistent, even when no one is watching. It’s nonnegotiable for us, and essential to the kind of impact we want to make. Our Board Tiffany Haedt President Megan Anderson Vice President Directors: Matt McCombs, Amy Henderson, Nick Tarpein and Trista Beise Ready to get started? Apply for a Grant Eligibility Requirements We welcome proposals for conforming programs that align with our values and priorities. Please check our Grantmaking Guidelines to see if you're eligible to apply. Need More Information? Have questions about the process or want to request more information about the Be The Good Foundation? Request more details Grantee Forms & Resources Small Grant Proposal Regular Grant Proposal Cover Form Regular Grant Proposal Cover Form for Renewing Due Diligence Due Diligence Questionnaire Organizational Changes Supporting Documentation Supporting Documentation for Renewing Applicants Request to Support a Program Small Grant Report FAQ

See Vibrant's current rates on checking and savings accounts, certificates of deposit (CD), personal credit cards, and more. Bank with the Best in Deposit Rates Paying you more interest on your checking and savings is kind of our thing—and it’s why our rates are nationally recognized. Premier Checking 3.75% APY* on balances up to $24,999 Get started ★ MEMBER FAVORITE ★ Preferred Savings 4.00% APY* on balances up to $14,999 Get started 13-month cd 4.15% APY* with $5 minimum deposit Get started New Member Offer: 4.40% APY* up to $5,000 Our Digital Advantage Savings account delivers high-yield growth with no minimum balance — available online only to new members. Learn about this limited-time offer Let’s find the right rate for you. Whether you’re saving, spending, or doing a little of both, explore our account options and find the rates that fit your needs. Open an account in minutes For Individuals Personal Checking Personal Savings Certificate of Deposits (CDs) Insured Money Market Individual Retirement Account (IRA) Health Savings Account (HSA) For Businesses & Orgs Business Checking Business Savings Certificate of Deposits (CDs) Insured Money Market Business Money Market *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Personal checking account rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 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. Back to top Personal savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.05% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.05% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.05% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.05% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 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. Back to top Digital Advantage Savings account rates Average Daily Balance APY* $0 - $4,999 4.40% $5,000+ 0.01% - 4.40% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage 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. Digital Advantage Savings is only available for new members and must be opened online. Limit of one Digital Advantage Savings account per member. Take advantage of this limited-time opportunity. Open a savings account. Back to top Certificate of Deposit (CD) rates Term APY* 6-Month CD Special 4.10% 13-Month CD Special 4.15% 23-Month CD Special 3.80% 48-Month CD 3.65% 30-Month CD 3.50% 40-Month Bump-Up CD Special 3.35% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. View our Rates and Service Charges for more details. Federally insured by NCUA. 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. 13-Month CD Special will auto-renew into a 12-month certificate when the certificate matures. 23-Month CD Special will auto-renew into a 24-month certificate when the certificate matures. 40-Month Bump-up CD Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. Need to grow your cash steadily and securely? Open a CD. Back to top Insured Money Market rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your funds with extended NCUA insurance coverage. Get started now . Back to top Individual Retirement Account (IRA) rates Average Daily Balance APY* $100,000+ 0.35% $50,000 - $99,999 0.30% $25,000 - $49,999 0.10% $100 - $24,999 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. IRA 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. Any fees could reduce potential earnings. Make retirement planning less taxing. Talk to us about an IRA . Back to top Health Savings Account (HSA) rates Average Daily Balance APY* $100+ 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. HSA 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. Any fees could reduce potential earnings. Looking to supplement your healthcare coverage? Talk to us about an HSA . Back to top Business checking account rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking and Standard Business Checking accounts are a 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. Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Business savings account rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $25,000+ 0.005% 3.25% $100 - $24,999 0.005% 3.25% $0 - $99 0.00% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business 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. Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Insured Money Market rates Average Daily Balance APY* up to $15,000,000 3.14% *APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Back to top Business Money Market rates Average Daily Balance APY* $500,000+ 0.75% $100 - $499,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 13, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Business Money Market account is a tiered account; 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. Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started. Back to top Don't see the rate you're looking for? Explore our borrowing options for home loans, vehicle loans, and credit cards. Home mortgages Credit cards Vehicle loans

See where to find our Vibrant ITMs (interactive teller machines) and what makes them different from a traditional ATM. Say hello to ITM banking Just don't be startled when we say "hello" back. Get to know our ITMs Our ITMs (interactive teller machines) may look like ATMs, but they can do practically everything you'd visit a branch for. You can connect instantly via video with a Vibrant teller during business hours any time you need assistance You don’t need a debit card—just your photo ID When you deposit a check, you'll get an image of the deposited check on your receipt You can perform more types of transactions beyond getting cash or making deposits—including making a loan or credit card payment or transferring funds When to use TALK TO A TELLER ITM tellers are available 8:30 a.m. to 5 p.m. Monday through Friday and 8:30 a.m. to 12 p.m. on Saturday Our ITMs can also be used for simple tasks like making a deposit, getting cash, or checking your balance. During business hours, they can do a whole lot more. Select TALK WITH A TELLER on the main screen to: Cash a check Deposit cash or checks immediately Make a loan payment Move money from one account to another Get change for larger bills Update your contact information Order checks Order a replacement debit card How to MAKE AN ITM DEPOSIT You can insert up to 50 checks or bills at a time—the ITM will automatically scan and count them. Deposit checks by inserting up to 50 checks at a time in the deposit slot. The teller will ask you to verify each check image when it appears on screen. Deposit cash by inserting up to 50 bills in the deposit slot. The machine will display the total amount on screen. Please note that the ITMs do not accept coin deposits. How long does it take for my deposit to appear in my account? If you make a teller-assisted deposit, it should appear in your account immediately unless the teller informs you there will be a hold on the check. Why would Vibrant place a hold on my deposit? Your deposit totals more than $6,725 in a single day Your total deposit is larger than the balance available in your account Your account has been opened in the last 30 days The deposited check comes from an out-of-state financial institutions Find a location near you 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 30,000 surcharge-free ATMs. Find an ATM For a list of nearby ATM locations delivered right to your inbox, 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. Frequently asked questions Are the Vibrant ITM tellers Vibrant employees? They sure are! You may even recognize some friendly faces from your last trip to a Vibrant branch. How do I cash a check at an ITM? Insert the check in the deposit slot when the teller is ready. An image of your check will appear on screen, and you'll have the option to deposit or request cash back in $100s, $20s, $5s, or $1s and change. Can I use the ITM without talking to a teller? Yes! You can withdraw cash, deposit checks, or view your balance at any time. When making a withdrawal, you can choose Select Your Bills to pick the denominations you want; otherwise, the machine will dispense the largest available bills. If you choose to deposit a check without teller assistance, be aware that only the first $275 of your deposit will be available immediately. The remainder will be available within two (2) business days, unless there is a hold on your check. I left my debit card at home. Can I still do my banking? Yes! Select TALK TO A TELLER and show them your government-issued photo ID to verify your identity. How do I pay my Vibrant loan or credit card bill through an ITM? Pay in cash or with a check by inserting it in the deposit slot when the teller is ready—or ask the teller to transfer funds from your Vibrant checking or savings account. Are the drive-thru ITMs available 24/7? While our drive-thru ITMs are available 24/7 for deposits or cash withdrawals, most other transactions will only be available during regular business hours. Will it take longer for my deposit to post than it would if I went to a ordinary branch? Nope! When you use the "talk to teller" option, your deposit will post at the same time it would if you made the deposit in person at a branch. Can I deposit coins through a Vibrant ITM? Unfortunately, our ITMs do not have the ability to accept coins. Can I get a cashier's check or money order from a Vibrant ITM? If you're at our Vibrant HQ location, you can get cashier's checks and money orders through the ITM. You will need to pick these items up from our front desk staff in the Vibrant HQ lobby. If you're using any other ITMs, you can request to have a cashier's check mailed to you. Send us a secure message for more information! How can I ensure my transaction is private? You can either use the handset on the machine to speak directly with your teller or communicate via typing into the keyboard. There is also a mic jack on the machine for members who need to connect assistive technology. Can I get change for a $100 bill through a Vibrant ITM? You absolutely can, provided you connect with a teller through the ITM first. They can dispense $1, $5, $20, and $100 bills as requested. NOTE: If you're making an ordinary cash withdrawal without teller assistance, your withdrawal will be available in $20 bills only. FAQ

Get answers about what escrow is and how it can affect your monthly mortgage payments. Complete the form to make adjustments to your escrow before 2025. Get answers to your escrow questions It's that time of year—your annual escrow analysis shows what your monthly mortgage payment will be in 2026. Understanding your escrow analysis Let’s talk Escrow Analysis. We’ll walk through what your statement means, why your monthly payment might be changing, and break it all down in plain lingo—no finance degree required. Note: If you pay prior to January 1, 2026, your online account may not reflect your updated 2026 payment amount. Please call first to verify your updated payment amount. The basics What is an escrow account? An escrow account is a special holding account we use to pay your property taxes and homeowners insurance premiums. We manage this account for you so that you only need to make one monthly payment and don’t have to worry about multiple payment due dates. The amount of money that goes into your escrow account is based on our best estimate of what your insurance and property tax expenses will be in the coming year. What is an escrow analysis? The amount of money that goes into your escrow account reflects our best estimate of your property tax and homeowners insurance premiums for the coming year. Because these expenses can fluctuate over time (based on your home’s changing market value and other factors), it’s rare that the amount set aside for your escrow account exactly matches what is paid out. Every fall, we analyze your account to see whether we’ve set aside more money than you need (an overage) or not enough (a shortage). We also take a look at your latest insurance premiums and property tax bills so that we can adjust your payments for next year to reflect any changes. What happens if there's not enough money in my escrow account to pay my taxes and insurance? If your account has a shortage, your taxes and premiums will still be paid—but you will need to pay the difference back to us. There are two ways to do this: We can either increase your mortgage payments next year to cover that amount, or you can submit a payment for the entire sum before noon on Wednesday, December 31, 2025. What happens if there's MORE money in my escrow account than was needed? If your account has an overage of less than $50, we’ll carry the remainder over to next year to provide a cushion for any potential shortages. If your account has an over of $50 or more, you will receive a check for the surplus amount that you can spend as you see fit. Can I choose not to escrow my insurance premiums and property taxes? In some cases, you can. Contact us and we’ll determine if that is an option for you. I have more questions. How do I reach an escrow specialist? You can email us directly or call 1-800-323-5109. Monthly payments When does my new monthly payment go into effect? January 1, 2026. If you typically make your January payment prior to the first of the month, please make sure to adjust that payment to reflect the new payment amount and avoid any late fees. IMPORTANT: Your online account will not reflect the updated amount due until January 1, 2026. This is so that we can make adjustments for members who choose to pay all or part of their escrow shortages up until December 31, 2025. Why is my monthly mortgage payment going up? While the principal and interest on your mortgage payment haven’t changed, your property taxes and/or homeowners insurance premiums have increased since your last escrow analysis. We therefore have to set aside a larger amount of money each month to cover these increases. How do I update my automatic payment? You need to complete and submit an escrow change form to us by noon on December 31, 2025. If you pay your mortgage through a non-Vibrant account, you will need to provide your account number. If you pay extra toward your principal balance or would like to start, make sure to note the payment amount on your form. My mortgage payment has increased by more than my taxes and/or insurance premiums have. Why? That indicates that your escrow account had a shortage in 2025 (your estimated escrow contributions were smaller than your actual taxes and/or premiums). In addition to increasing your payment to accommodate those higher charges, you also need to make up the amount of the shortage. If you prefer, you can pay some or all of the shortage amount by noon on December 31, 2025, and decrease your payments for next year. Why is my monthly morgage payment going down? While the amount of principal and interest you pay toward your mortgage hasn’t changed, either your property tax assessment or homeowners’ insurance premiums have declined since last year. Enjoy the savings! If I pay into the escrow now, can I avoid my payment going up at all? No, the payments will always be based at minimum of what your taxes and insurance are. Since those typically increase annually, paying the shortage does not mean the monthly amounts won't increase for next year. Escrow shortages Can I pay my shortage up front? How long do I have to make the payment before it affects my payment? Yes, you can pay all or a portion of your shortage. This must be done by noon on Wednesday, December 31, 2025. How do I pay my shortage? You can make your payment through our online banking platform. After logging in, you will see your home loan appear on the main dashboard screen. Click on your home loan to expand this area. Select "Pay Now." In the bulleted options, you will see an "Escrow Only" option. Enter the appropriate amount here. Finish your transaction by selecting "Submit Transfer." Upon payment, please contact us to have your 2026 payments updated accordingly. Escrow overages When will I receive a refund of my escrow overage? Your check will arrive within two weeks after you receive your escrow analysis letter. Will I receive a check, or will it be deposited into my account? You will receive a check in the mail. I had an overage, but I didn't receive a check. Why not? If your overage amount was less than $50, it remains on deposit in your escrow account to provide a cushion for any potential shortages in 2026.

Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job. 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Previous Item Next Item

Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant is devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Moline, IL — April 3, 2024 Last fall, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. Interest rates on consumer borrowing, especially car and home loans, have risen significantly over the last 2+ years as the Federal Reserve has raised the federal funds rate to combat inflation. At the same time, interest rates on consumer deposits—the funds that financial institutions use to make many of those loans—have remained stubbornly low. Most big banks still offer a measly 0.01 percent annual percentage yield on consumer savings—meaning that if you deposit $10,000 in a savings account, by the end of the year, you’ll earn a single dollar in interest. Put that same $10,000 in Vibrant’s new Preferred Savings account, though, and you’ll earn $450. Further, the account has no monthly service fees, no minimum balance requirements, and no hidden conditions about setting up direct deposit or making a certain number of debit card transactions each month to qualify. It's a strategy that’s proving wildly successful for the credit union. In February alone, current and new members moved an additional $26 million in deposits to Vibrant. So why aren’t other financial institutions following suit? Matt McCombs, Vibrant’s president and CEO since 2015, thinks it’s because Vibrant’s new model goes against the conventional wisdom of what a credit union is supposed to look like. “Over the last few years, we’ve taken a long hard look at where we’re spending our members’ money and how well that aligns with what they actually want us to spend money on,” says McCombs. “For instance, a decade ago, more than half our members did at least some of their banking in person at one of our branches. Last year, that number was down to about 16 percent, and it’s continuing to drop. “So we asked, what if we invested more in the technologies and services our members are actually using—like our online banking platform and our call center? What if we close some of our branches outright and use the savings to pay our members more interest on their deposits?" That’s the new Vibrant: relentlessly focused on the products it knows it does better than its competitors and devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. “It’s a matter of understanding our strengths and doubling down on them,” says McCombs. For now, it means that Vibrant doesn’t look like anyone else in the area. But McCombs is confident Vibrant’s model is the way of the future. “The days of getting all your financial needs met by a single institution are over. When someone wants to buy a house, they can get on Rocket Mortgage. When they want to buy a car, they go straight to the dealership. We don’t mind if our members get the best deal on their loans from someone else, because that means we’re able to give them the best deal on their deposits.” Even given the rise of so many internet-only financial institutions, McCombs also sees an important place for credit unions like Vibrant. “In general, people prefer to do business with local people,” McCombs says. "When they have questions, they want to be able to talk with someone they know. They want to support local jobs. They're just not going to do it at the expense of passing up a much better deal online. Our savings and checking options give people an excellent reason to keep their money here in our communities.” About Vibrant Vibrant was founded in 1935 as a federally insured credit union with its roots in agricultural manufacturing. Now an industry-leading deposit rate competitor, customers across the country can bank with the best utilizing easy access apps and money movement-friendly accounts with top earning rates. In the community, Vibrant strives to bring specialized products to nonprofits and small businesses to foster all to "be the good." Not far from their roots, Vibrant also provides relationship- and education-focused equipment financing programs to outdoor equipment manufacturers nationwide. Previous Item Next Item