If you have a home loan from Vibrant, you can make adjustments to your escrow account by completing this form. Changes are due by Dec. 30, 2023. Make changes to your escrow account

All Vibrant members are eligible for $1,000 of accidental death and dismemberment insurance paid for by Vibrant. You can also purchase up to $300,000 in additional coverage. Get $1,000 of no-cost accidental death coverage As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Learn more Add a Title As a Vibrant member, you can automatically receive $1,000 of accidental death and dismemberment insurance. Get $1,000 of no-cost accidental death coverage Learn more Plus guaranteed acceptance for up to $300,000 in additional coverage As a Vibrant Credit Union member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health. Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them. Learn more Andrea L. Heger, Licensed Insurance Agent #2277322 0122 1947555 Note, AD&D Products are not federally insured by the NCUA.

See Vibrant's current rates on checking and savings accounts, certificates of deposit (CD), personal credit cards, and more. Which rates are you checking? These rates are effective as of November 14, 2025. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria. No hoops. No hassle. Always great rates. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. Premier Checking Earn 4.00 APY* on your checking up to $24,999 Get started Preferred Savings Earn 4.00% APY* on balances up to $14,999 Get started 6-month CD Earn 4.15% APY* Get started Personal Checking Account Rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking $0 - $24,999 4.00% Premier Checking $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. 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% 1.75% 0.75% – 4.00% 3.25% 4.25% $250,000 - $999,999 0.05% 1.75% 0.75% – 4.00% 3.25% 4.00% $100,000 - $249,999 0.05% 1.75% 0.75% – 4.00% 3.25% 3.75% $25,000 - $99,999 0.05% 1.75% 0.75% – 4.00% 3.25% 0.50% $15,000 - $24,999 0.05% 1.25% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.05% 1.25% 4.00% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Back to top Business Money Market Account Rates Average Daily Balance Business Money Market APY* $500,000+ 0.75% $200,000 - $499,999 0.01% $100,000 - $199,999 0.01% $100 - $99,999 0.01% $0 - $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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 Looking for mortgage rates? Learn more 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 November 14, 2025. 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 November 14, 2025. 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 Certificate of Deposit (CD) Rates Term APY* 6-Month CD Special 4.15% 13-Month CD Special 4.00% 48-Month 3.65% 23-Month CD Special 3.50% 30-Month 3.50% 40-Month Bump Up Special 3.35% 8-Month 0.01% 9-Month 0.01% 12-Month 0.01% 15-Month CD Special 0.01% 18-Month 0.01% 24-Month 0.01% 36-Month 0.01% 5-Year Add-On Certificate 0.01% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The 6-month Certificate Special will auto-renew into a 6-month certificate at the rate available at the time of maturity. 9- , 13- and 15-month certificates will automatically renew into a 12-month term at maturity. The 23-month CD will automatically renew into a 24-month term at maturity. For the 40-month Bump Certificate 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. The 8-month Certificate Special will auto-renew into a 6-month certificate when the certificate matures. During the term of the Add-On certificate , you may make deposits of $5 or more at any time. A penalty may be imposed for early withdrawal. Need to grow your cash steadily and securely? Open a CD. Back to top Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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 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 November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account 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 Standard Business Checking Account Rates Average Daily Balance APY* $100,000+ 0.25% $25,000 - $99,999 0.15% $0 - $24,999 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Business Checking is a tiered account; if the balance falls within the range for a particular tier, the dividend rate applicate to that tier will apply to the full balance. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Want to ditch those monthly fees and requirements? Open a business checking account. Back to top Personal Checking Personal Savings CDs IRA HSA Personal Accounts Insured Money Market Business Accounts Business Checking Business Savings Business Money Market Insured Money Market CDs Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $0 - $99 0.00% 3.25% $100 - $24,999 0.005% 3.25% $25,000+ 0.005% 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The Standard Business Savings and Community Business Savings Account 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 Standard Business Membership Savings Account Rates Average Daily Balance APY* $100+ 0.005% $0 – $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top Association Savings Account Rates Average Daily Balance APY* $25,000+ 2.00% $0 – $24,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top Insured Money Market Account Rates Average Daily Balance APY* up to $15,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. 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 High-Rate Business Money Market Account Rates Average Daily Balance APY* $500,000+ 4.25% $200,000 – $499,999 4.00% $100,000 – $199,999 3.00% $0 – $99,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. 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? Talk to us about opening a business money market account. Back to top Community Business Checking Account Rates Average Daily Balance APY* $50,000+ 1.00% - 3.00% $0 to $49,999 3.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking 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. Want to be part of a community that earns interest? Talk to a account manager about a community checking account. Back to top Community Business Savings Account Rates Average Daily Balance APY* $25,000+ 3.25% $0 - $24,999.99 3.25% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Are you a small or mid-sized business looking for a higher yield on your savings? Talk to a relationship manager about a community savings account. Back to top Business Money Market Account Rates Average Daily Balance APY* $500,000+ 1.00% $10,000 - $499,999 0.01% $100 - $9,999 0.00% *APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. $5 Membership Share account required. Rates subject to change without notice. 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? Talk to us about opening a business money market account. Back to top

Save 20% on food and drinks at Vibrant Coffeehouse + Kitchen when you pay with the Vibrant Card. It's a refillable debit card you can use anywhere! No credit check required. Best for Deposit Rates Used with permission. ©2025 Dow Jones & Company, Inc. It's not a gift card. It's not a credit card. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . Sign up at the Coffeehouse No annual or monthly fees The Vibrant Card works just like a debit card — j ust transfer funds to your account and go! Get great discounts at VC+K You'll always save 20% on food and drinks with your Vibrant Card. You'll also get exclusive offers like BOGOs and cash back— so watch your email. Use it wherever Mastercard® is accepted Use the Vibrant Card like a regular debit card— even add it to your mobile wallet. Feature Vibrant Card Premier Checking 20% off food and drinks at Vibrant Coffeehouse + Kitchen Yes Yes Free online banking Yes Yes Monthly service fees No No Credit pull required No No Earn interest on your balance No Yes Deposit checks No Yes Make deposits at Vibrant ATMs No Yes Maximum balance limited to $500 Yes No Can't wait for your next Coffeehouse visit to start saving? Open a Vibrant Premier Checking account in minutes. Get started now. Frequently asked questions How do I get the Vibrant Card? You'll need to stop by any of our Vibrant Coffeehouse + Kitchen locations to get started. (Ask a barista or look for the QR code on your table!) Filling out the online application takes just a couple of minutes, and you'll receive your new card in the mail within 7–10 business days. Can't wait? Open a Vibrant checking account now and get the same 20% discount when you pay with your Vibrant debit card. How old do I have to be to open an account? You'll need to be at least 18 years old to get a Vibrant Card. What information do I need to open an account? You'll need to provide your Social Security Number and photos of the back and front of your state-issued photo ID or driver's license. For Vibrant Card accounts, we'll verify your identity, confirm you're not a past or current member of Vibrant, and ask you to electronically sign a member service agreement. For Vibrant checking accounts, we'll verify your identity, review the information provided on your application, and ask you to electronically sign a member service agreement if you're approved. How do you add money to the Vibrant Card? You can transfer funds from your checking or savings account via Vibrant online banking or from a peer-to-peer payment network like Venmo or PayPal. Get detailed instructions on adding funds . How long does it take for funds to appear on my Vibrant Card? Transfers from your checking or savings account will take from 1–3 days to appear in your Vibrant Card balance. If you use Venmo or similar apps, you may be able to instantly transfer funds. You will need to have funds in your Venmo account or be able to add funds to your Venmo account to make a transfer. Vibrant has no affiliation with Venmo, and third-party fees may apply. How do I check my Vibrant Card balance? You will need to sign up for a Vibrant Credit Union online banking account to view your balance and see your transaction history. It's free and takes just moments to set up! Register now . How do I reload my card? Your Vibrant Card has a maximum balance of $500, so you'll need to top it up from time to time. First, you'll need to set up your Vibrant online banking account. Once you do, you'll be able to view your current balance and your transaction history through your account or the Vibrant app. From your online banking account, you'll be able to transfer funds from a checking or savings account at another financial institution or from a payment app like Venmo or PayPal. Can I use my Vibrant Card like a debit card? You sure can—and you can even use it to get cash from the ATM if you set up a PIN. To get your PIN call (800) 992-3808. It's the Vibrant Card, and it can save you 20% on food and drinks at Vibrant Coffeehouse + Kitchen . It's not a gift card. It's not a credit card. Open an account

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.

Find affordable options on mortgage and refinances through Mortgage Center, a credit union-owned mortgage company. See current rates. Get a great rate on your new home Financing a home is easier than you think with help from Mortgage Center. Get started Meet the homebuying experts at Mortgage Center Vibrant is pleased to introduce you to our friends at Mortgage Center, a credit union-owned mortgage company with more than 30 years' experience helping members purchase their dream homes. You'll find affordable payments, competitive rates, and terms that fit your goals—whether you're planning to upgrade in a few years or have found your forever home. Mortgage Center serves members throughout the Midwest. Wherever you're headed, our experts are ready to help you understand home trends near you. Local knowledge There's a reason people turn to credit unions when they're looking for a loan. Mortgage Center is committed to delivering you the best service at the lowest possible cost. Affordable rates & fees Mortgage Center will make sure you understand your options at every step of the process—no jargon required. Education & guidance Mortgage Center works hard to make sure your loan closes as quickly as possible. They also make it easy to handle final paperwork—even if you're not in your new city yet. Fast, convenient closings Today's rates See all mortgage rates * APR = Annual Percentage Rate. APR is accurate as of today's date and is subject to change without notice. Rates and terms vary based on credit profile, loan amount, and property type. All loans subject to credit approval. Get a great rate on your new home Financing a home is easier than you think with our partners at Mortgage Center. Get started Talk to Mortgage Center Wondering how much money you'll need to purchase a home? Or whether you even qualify for a home loan? No matter where you are in the homebuying process, Mortgage Center is ready to help. To get started, submit the form below. Don't worry, this isn't an application—just the start of a conversation.

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 FAQ Add a Title View FAQ Find everything you need to manage your finances. Bank your own way Shorten your to-do list E-statements Save a trip to the mailbox and get instant access to all your account statements when you sign up to receive them electronically. Learn more Direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. Enroll now AutoPay Never forget an insurance or loan payment. You can even set up direct deposit for your employees! Enroll in AutoPay Free credit monitoring View your current credit score and credit report and get special offers on loans and credit cards. Learn more Set up online banking Securely access all your Vibrant accounts via your browser. Check your balances Pay bills Transfer money Sign up for free credit monitoring Enroll in online banking 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 The closest branch is as near as your phone Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App on Google Play> Android Apple Find a nearby ATM, check your balances, or transfer funds on the go. Available for Android or Apple devices. Download the Vibrant App at the App Store> 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 > 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 > More resources

If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. What to do if your personal data is compromised If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States , everywhere from Twitter to Uber to the credit reporting agency Experian. If you receive a notification that your personal and/or financial information has been compromised, here are some steps you can take to protect yourself. Change your passwords. And while you’re at it, make sure you’re not using the same passwords for more than one login. That’s easier said than done when the average person has dozens of logins to manage, so consider using a password manager like 1Password or Dashlane . These applications will not only remember your login information at every site, they’ll make it easy to choose a unique, hard-to-crack password any time you create an account. But don’t get overconfident—even the password manager LastPass experienced a data breach in 2022 —that’s how common data breaches are.) Set up multi-factor authentication—especially for that password manager you probably just started using. Multi-factor authentication enables you to add an extra layer of protection between your password and your data. After your login information has been correctly entered, with MFA, you’ll automatically receive a phone call or a text message asking you to confirm that you’re the person attempting to access your account, along with a one-time code you can use to prove you’re really you. Take advantage of any free credit monitoring or identity theft protection services you are offered by the organization that was breached. Most companies will offer these services as compensation for the inconvenience they have caused you. Consider adding a verbal PIN or passphrase to your financial accounts. If identity thieves acquire enough of your personal information, it’s possible that they can assume control of your checking and savings accounts by contacting your financial institution and pretending to be you. One way to protect yourself at Vibrant—call us and set up a verbal PIN or passphrase we’ll ask you to provide every time you call. Scammers won’t know you have one unless they call – and it’s much more difficult to crack a password on the phone. Consider setting up a credit freeze. You can place a credit freeze on your credit report, preventing any lender or retailer from pulling your credit as part of a credit application. If you’re not actively in the market for a loan or credit card, then setting up a security freeze on your credit report is an effective way to keep identity thieves from signing up for credit cards of their own. If you later need to apply for credit, you can remove the security freeze either temporarily or permanently. The process is simple, free and can be completed online, via phone, or through the mail. Make sure to contact all three main credit reporting agencies (Experian, Equifax, and TransUnion) to ensure you’re completely protected. Get complete instructions on setting up a credit freeze from USA.gov. Watch your bank and credit card accounts for suspicious transactions. If you see a transaction that doesn’t look familiar, contact your financial institution immediately to file a dispute. If your card has been compromised, your financial institution can issue you a new number and close the old account. Check your credit report regularly to make sure no one is taking out credit in your name. If you’ve signed up for online banking with Vibrant, it’s easy to keep an eye on your credit report. Log in , go to the TOOLS menu, and choose CREDIT TRACKER. You’ll receive an alert any time your credit report updates—from decreases in your available credit to new accounts added. Consider investing in identity theft insurance. Many homeowners and renters policies include optional identity theft protection that can cost as little as $15 a year. This coverage can provide compensation for attorneys’ fees, lost wages if you need to take time away from work to rectify the damage, and for administrative costs including certified mail, long-distance calls, or notary fees. Talk to our partners at Vibrant Insurance Group to find identity theft coverage that fits your needs. Feeling overwhelmed? Get expert advice from IdentityTheft.gov . This free program from the Federal Trade Commission will walk you through everything you need to do in the event of a data breach or documented case of identity theft (e.g., you have found a fraudulent charge on your credit card). Next Item Previous Item

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

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