Flexible financing solutions for manufacturers from Vibrant Credit Union. Improve cash flow, fund equipment, and support your business growth. Financing is a growth lever. Are you using it? Consumer equipment financing built for outdoor equipment dealers and manufacturers Let's Connect Make your brand the easiest to sell. When a buyer walks onto a dealer lot and financing isn’t available — or it’s slow, complicated, or off-brand — deals stall. Inventory sits. Dealers get frustrated and start pushing lines that are easier to sell. A manufacturer-backed financing program changes that equation. We can help remove the friction between “I want it” and “I’ll take it.” 50%+ apps are auto-approved on the spot 30 minute turnaround on manual underwriting 50 states covered by dedicated relationship managers A Relationship, Not a Help Desk Vibrant is a federally insured, member-owned credit union — not a bank, not a captive finance arm of a larger conglomerate. We don't hide behind automated systems. You get a dedicated team that picks up the phone, knows your business, and moves at the speed your dealers need. Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org Cale VanGenderen SVP, Equipment Finance Natalie Newcomb Equipment Finance Manager nnewcomb@vibrantcu.org Shawn LaBarge Dealer Success Manager 309-644-4738 slabarge@vibrantcu.org Jessica Voges Account Manager 800-479-6206 jvoges@vibrantcu.org Kari Neff Account Manager 800-479-6206 kneff@vibrantcu.org Drew Watkins Account Manager 800-479-6206 awatkins@vibrantcu.org Brayden Sechser Relationship Manager AK, AZ, CA, CO, HI, ID, LA, MT, NM, NV, OR, TX, WA, WY 971-290-1271 bsechser@vibrantcu.org Carson Thomas Relationship Manager CT, DE, IN, KY, OH, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VT, WV 563-785-5771 cthomas@vibrantcu.org Marc Brown Relationship Manager AR, IA, IL, KS, MN, MO, ND, NE, OK, SD, WI 563-785-5858 mpbrown@vibrantcu.org Michael Schneidermann Relationship Manager AL, FL, GA, MS, NC, SC, TN, VA 309-250-1656 mschneidermann@vibrantcu.org More units moved Point-of-sale financing converts browsers into buyers. When your dealers can approve a customer in minutes, deals close the same day. Stronger dealer relationships Equip your dealers with a tool that makes their job easier and their customers happier. They’ll prioritize your line over competitors. Brand presence at every sale Your program, your name, your rates. Every financed transaction reinforces your brand — not a generic lender’s. Data and visibility Understand what’s selling, where, and at what terms. A dedicated program gives you intelligence your competitors don’t have. Trusted by manufacturers who demand more. We run exclusive financing programs for Yanmar, YCENA, McCormick, and Wacker Neuson — and we’re selective about who we build with next. Our best partnerships are built on shared commitment to dealer success and customer experience. Let's see if we're the right fit. Complete the form below, and our we will be in touch within one business day. Prefer to reach out directly? Contact Cale VanGenderen at (309) 761-5866.

Get one of the best high-interest savings accounts available anywhere. Apply online in minutes and start earning more. A better place to keep your savings New members can earn up to 4.40% APY* with a high-yield savings account designed to help your money grow faster. Open an account Award-winning rates Make your savings work harder with rates designed to help your balance grow faster. Unlimited transactions Easily transfer, withdraw, and manage your money whenever you need it, straight from your device. No monthly fees With Vibrant, you'll never be surprised by maintenance fees or minimum balance requirements. Find the high-yield savings account for you Digital Advantage Savings A great first savings account for new members only. 4.40% APY* on balances up to $5,001 MEMBER FAVORITE! Preferred Savings Our most popular savings account for steady growth. 4.00% APY* on balances up to $14,999 Premier Savings The account built for savers ready to take the next step without all the restrictions or requirements. 3.00% APY* on balances over $25,000 Open an account now Higher balances get higher rates with Elite Savings Earn more as you grow with tiered rates that automatically increase with your balance. Elite Savings Tier 1 3.50% APY* on balances $100,000 - $249,999 Elite Savings Tier 2 3.75% APY* on balances $250,000 - $999,999 Elite Savings Tier 3 4.25% APY* on balances over $1,000,000 Earn more. Worry less. Get high-yield rates without the hassle: No monthly maintenance fees No transaction requirements Unlimited transfers and withdrawals Online mobile banking Dividends paid monthly Membership available nationwide Federally insured by the NCUA Open an account in minutes Award-winning. Again. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Explore all our award-winning rates High-yield savings account rates Average Daily Balance Digital Advantage Savings* Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* $1,000,000+ 0.01% - 4.40% 0.75% - 4.00% 3.00% 4.25% $250,000 - $999,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.75% $100,000 - $249,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 3.50% $25,000 - $99,999 0.01% - 4.40% 0.75% - 4.00% 3.00% 0.50% $15,000 - $24,999 0.01% - 4.40% 0.75% - 4.00% 0.10% 0.50% $5,002 - $14,999 0.01% - 4.40% 4.00% 0.10% 0.50% $0 - $5,001 4.40% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Digital Advantage Savings is only available for new members and must be opened online. Preferred Savings and Digital Advantage Savings are tiered accounts; for these accounts, 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 and one Digital Advantage Savings account per member. 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. More savings account rates Average Daily Balance Membership Savings Everyday Savings APY* APY* $10,000 - $14,999 0.005% 1.00% $100 - $9,999 0.005% 0.10% $0 - $99 0.00% 0.10% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings 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. Ready to earn more on your money? Open a savings account. Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. What does "Digital Advantage" mean? This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here . Can I open a Digital Advantage Savings account if I'm already a Vibrant member? The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here . What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest? Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed. If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here . What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest? Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed. Can I open more than one Preferred Savings or Digital Advantage Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. 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.

Learn more aboutAdd Vibrant to your digital wallet Add Vibrant to your digital wallet If you never leave home without your smartphone, at least you can leave home without your wallet. Your Vibrant debit or credit card works with Apple Pay, Google Pay, and Samsung Pay. No more swiping! Apple Pay Open the Wallet app and tap the plus (+) sign to add a new card. Enter your card number, expiration date, and CVV code and tap NEXT. Vibrant will automatically verify your card info. To pay from your phone, wave your phone in front of any contactless card reader or tap it against the ))) symbol. Google Pay Open the Google Pay app and tap the +ADD TO WALLET button. Choose PAYMENT CARD, then ADD NEW PAYMENT CARD. Enter your card details manually or use your phone camera to automatically scan your card. Vibrant will automatically verify your card info. To pay from your phone, hold it against the contactless payment symbol on the card reader. Boop! You're ready to go. Samsung Pay Open Samsung Pay on your phone. Tap MENU (the three horizontal lines) in the top left corner, and then tap CARDS. Tap ADD CARD (look for the icon with a credit card with a plus sign). Tap ADD CREDIT/DEBIT CARD. Follow the instructions to register your card. When you add a card, you must agree to the card's terms and conditions. Vibrant will verify your card info. That's it! Hold your phone against any contactless card reader to pay. Previous Item Next Item How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

Elite Bigger balance. Better rate. Still no hoops. Earn up to 4.25% APY* with Vibrant Elite Savings. Open an account Award-winning rates Two-time Wall Street Journal Buy Side award winner. The trophy's great. The rates are better. Your bank, in your pocket Deposit checks and move money anytime — all from your own device. Full banking access, zero branch required. High yields. No strings. Earn interest comparable to a high-yield CD without locking your money up — no penalties, no monthly fees. Open an account in minutes Savings Checking *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. See which rate your balance will get you Elite Savings Tier 1 Your first big balance deserves a rate that treats it that way. No requirements, no fine print — just a real return from day one. 3.50% APY* on balances $100,000 - $249,999 Rate increases automatically when you reach Elite Savings Tier 2. See more savings account rates > Elite Savings Tier 2 The reward for doing it right, for a long time. Your rate moves up automatically when you cross $250K — no application, no phone call. 3.75% APY* on balances $250,000 - $999,999 Rate increases automatically when you reach Elite Savings Tier 3. See more savings account rates > Elite Savings Tier 3 At $1M+, you have options. Here's what people with options keep coming back to: a rate worth moving for, and an account that stays out of your way. 4.25% APY* On balances over $1,000,000 Federally insured by NCUA up to $250,000 per account holder—talk to us about strategies to maximize your deposit insurance . See more savings account rates > Open an account in minutes Not at $100K yet? You're still in the right place. Elite Savings is designed for balances of $100,000 and above—but it's not the only way to earn more with Vibrant. Whether you're just getting started, building toward a savings goal, or looking for a better everyday banking experience, we offer high-yield checking and savings options designed to help your money work harder at every stage. Explore more accounts Checking account rates Account Average Daily Balance APY* Premier Checking $0 - $24,999 3.75% Premier Checking $25,000+ 1.25% – 3.75% Everyday Checking Any 0.00% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. Ready to make your money work harder? Open a checking account. Savings account rates Average Daily Balance Membership Savings Everyday Savings Preferred Savings Premier Savings Elite Savings APY* APY* APY* APY* APY* $1,000,000+ 0.005% 1.00% 0.75% – 4.00% 3.00% 4.25% $250,000 - $999,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.75% $100,000 - $249,999 0.005% 1.00% 0.75% – 4.00% 3.00% 3.50% $25,000 - $99,999 0.005% 1.00% 0.75% – 4.00% 3.00% 0.50% $15,000 - $24,999 0.005% 1.00% 0.75% – 4.00% 0.10% 0.50% $10,000 - $14,999 0.005% 1.00% 4.00% 0.10% 0.50% $100 - $9,999 0.005% 0.10% 4.00% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.00% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Everyday Savings , Premier Savings , and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Ready to earn more on your money? Open a savings account. Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How is interest calculated and how often is it paid? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month. ¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from your employer or payer. Funds may be made available up to two days before the scheduled payment date but are not guaranteed. Not all direct deposits qualify.

Learn more aboutDetect potential scams Detect potential scams Want to make sure your Vibrant accounts stay safe? We've put together some helpful tips for helping you recognize fraud attempts before it's too late. Unsolicited: If a person, business, or organization you don't have an existing relationship with asks you for money or personal information, be on guard. Make sure they are who they say they are. Unexpected: If you’re contacted out of the blue by an organization you DO have a relationship with, don’t respond directly. Instead, contact the organization via their publicly available phone number or email address so you can verify it's a legit request. Urgent: Scammers know the more time you have to think, the more questions you’ll ask. Even in a genuine emergency, no one will ask you to disclose personal or financial information before you do anything else. Watch out for spoof calls and text messages Your Caller ID may tell you Vibrant is calling, but it could be a scammer. If a caller asks you to provide any of the information below, this could be an attempt to access your personal account. Say nothing and hang up! Anything more than the last 4 digits of your debit or credit card Any security or verification code you receive via text or email Your account or routing number Your complete Social Security Number Your account password Your PIN Does Vibrant ever verify my identity by texting or emailing me a code? If you’ve set up two-factor authentication (2FA) on your account—and we highly recommend it—you will receive a code via text or email when you try to log in to verify it’s really you. While you'll need to enter that code on your browser or mobile app to complete your login, Vibrant will never ask you to tell us what the code is. Can a scammer access my account even I don't tell them my password? Unfortunately, yes. Scammers may find your login information through a data breach, on the dark web, or through other phishing tactics. Two-factor authentication (2FA) offers additional protection, but it's not foolproof. A common scam is to try bypass 2FA by pretending to be a legitimate caller who wants to verify your identity by sending you a security code, which they'll ask you to read back to them. If you tell them the code, unfortunately, they can use it to log in from their device How do I set up my two-factor authentication on my account? Log in to your account and go to Settings, then choose the Security tab. Toggle the on/off switch next to Two-Factor Authentication to ON to require a second security code via email, text, or voice call (you'll have the option to choose the method that works best for you any time you log in). What if a caller tells me I owe money and they need immediate payment? Legitimate organizations, including the IRS, your local tax assessor, or your financial institution, will never ask you to provide payment via a gift card, prepaid debit card, or wire transfer. If you get a a call demanding immediate payment and they want you to use one of these payment methods, it's a scam. In addition, a legitimate caller will never threaten to alert law enforcement, immigration officials, or other authorities to collect a debt. What should I do if I think I may have been scammed? Contact us immediately to report the incident. We’ll place a fraud alert on your account and help you reset your login information. (And no, we won't ask you to tell us your new password.) Previous Item Next Item How to connect external accounts Move money between your Vibrant accounts and your accounts at other financial institutions via your online banking dashboard. Learn more > How to update your password It's a good idea to change your password at least once a year—and more frequently if you use shared computers or public WiFi. Learn more > How to protect yourself against fraud Scammers are always trying new ways to gain unauthorized access to your account. Use these guidelines to better protect yourself. Learn more > Additional resources

Find the best high-yield savings (HYSA), high-yield checking accounts, and CD rates available. Open an account online in minutes at Vibrant Credit Union. ⚠️ Fraud Alert: Scammers can spoof caller ID to look like Vibrant. No one legitimate will ever ask for your online banking login, password, or authentication code. If it feels off, hang up and call us. 🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number. 🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number. Award-winning. Again. The Wall Street Journal recognized Vibrant Credit Union two years running. Ninety years of evolving, improving, and refusing to be just another financial institution. And now, there are receipts. See why our rates win Earn 4.00% APY* Vibrant Preferred Savings makes it easy to earn more, without jumping through hoops. Open an account in minutes If you can't be the best, why even bother? Market-leading rates Paying you more interest on your checking and savings every day is pretty much our whole deal. Check 'em out ZERO hidden requirements No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account. Find the right account No waiting around Bank at Vibrant speed—open an account in minutes, deposit checks from your phone 24/7, and hey, get that direct deposit up to 2 days early. Open an account We're the best kind of local. Sure, our rates are right up there with those internet-only banks. But there's one big difference between us and them—the money you deposit at Vibrant stays here, from the interest you earn to the investments we make in the communities we serve. Learn more Why settle for average? Savings‎ Checking‎ CDs‎‎ Vibrant 4.00% APY* balances up to $14,999.99 Average Bank 0.32% APY* Average Credit Union 0.19% APY* Vibrant 3.75% APY* on balances up to $24,999 Average Bank 0.20% APY* Average Credit Union 0.15% APY* Vibrant 4.15% APY* 13-month CD Average Bank 2.29% APY* 1-year CD Average Credit Union 2.95% APY* 1-year CD *APY = "Annual Percentage Yield." APYs accurate as of October 1, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA. Savings comparison: As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member. Checking comparison: As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. CD comparison: As of December 26, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.29% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 2.95% APY, based on a $10,000 deposit. When the 13-month certificate matures, it will automatically renew into a 12-month certificate. $5 minimum to open account. Penalty may be imposed for early withdrawal.

Got questions about your Vibrant account? This is a good place to start. Find out deposit times, our mailing address, and more. Frequently asked questions Most(!) frequently asked questions Who can become a Vibrant member? Click here to learn more! What is my Vibrant routing number? 271183646 You'll also find it in the footer of every page of this website! How do I reset my online banking password? Y ou can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? Some Vibrant locations have a notary on staff, but availability can vary by branch and time of day. We recommend calling ahead to confirm before your visit. If your document requires a witness, please bring someone with you, as Vibrant employees cannot serve as witnesses. If we're unable to assist, notary services are often available at libraries, post offices, and other public offices. How do I order checks? The easiest way is through online banking! From your browser: Log in , then go to TOOLS and select CHECK ORDERS. From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) How do I get a replacement debit card? Need a replacement debit card? If your card is lost or stolen, the quickest option is to report it through Card Controls in the Vibrant app or Online Banking. We'll deactivate the card and order a replacement for you. You can also request a new card by calling 800-323-5109 or sending us a message through Online Banking. Replacement cards typically arrive within 7-10 business days. Need it sooner? We can rush ship a replacement card for a $20 fee. When will my deposit appear in my account? If you make a deposit at a branch , it will appear in your account immediately unless there is a hold on the deposit. If you make a deposit at a Vibrant ATM , the first $275 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit. If you make a deposit through the mobile app , your deposit should appear in your account by the times listed below: Monday through Friday (all times are CT) Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. What are Vibrant's current rates? We publish rates for all our products here . What is Vibrant's mailing address? Send all correspondence to: Vibrant Credit Union P.O. Box 1550 Moline IL 61266-1550 Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? Send us a secure message via your online bank account or call us at 1-800-323-5109. Make sure you have the beneficiary's full name, mailing address, date of birth, and Social Security Number. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Vibrant offers trust accounts for revokable trusts. If you'd like to set up an account, send us a secure message via your online bank account or call us at 1-800-323-5109. How do I close my account? What happens to my personal information when I do? Follow these step-by-step instructions on closing your Vibrant account(s) . See our privacy policy for details on how we handle personal information on active accounts and on closed accounts. Branches What are Vibrant's hours? Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays . Our branches are open from 8:30 a.m. to 5 p.m. CT Mondays through Fridays, and 8:30 a.m. to 12 p.m. CT on Saturday, excluding most federal holidays . Where are your branches located? Find the nearest credit union branch or ITM here . Deposits How do I deposit a check? You can deposit a check in three ways: At any Vibrant branch At a Vibrant ITM Through the Vibrant mobile app using Mobile Deposit To use Mobile Deposit, simply endorse your check, select Deposit Check in the app, and follow the prompts to submit photos of the front and back of the check. Once submitted, you'll receive an email confirmation when your deposit is received. How should I endorse a check I'm depositing via mobile deposit? When you endorse a check for mobile deposit, write the words "For Mobile Deposit Only." above your signature. When will funds from my mobile deposit appear in my account? Deposit Approved Posted to Account 12 a.m. CT – 10 a.m. CT 12:15 p.m. CT 10:01 a.m. CT – 1 p.m. CT 2: 15 p.m. CT 1:01 p.m. CT – 4 p.m. CT 6:15 p.m. CT 4:01 p.m. CT – 11:59 p.m. CT 12:15 p.m. CT on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting. My mobile deposit was denied—what’s the reason? If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial. It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also, make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. Make sure all payees have endorsed the check (along with the words "For Mobile Deposit at Vibrant Credit Union") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees and deposited into an account owned by all payees. Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. How do I set up direct deposit? Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account. When does my direct deposit show up in my account? Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you. How does early direct deposit work? Open a Vibrant account and set up direct deposit with your employer or benefits provider. Early access happens automatically for eligible deposits. We post your funds as soon as we receive payment instructions—which may be up to two days before your scheduled payday. Timing depends on when the payment file is received. Early access isn’t guaranteed and depends on when we receive the payment file from your employer or payer. Not all direct deposits are eligible for early access. Why was a hold placed on my deposit? In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: Your deposit totaled more than $6,725 in a single day Your total deposit was larger than the balance available in your account Your account has been opened within the last 30 days The deposited check comes from an out-of-state financial institution If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit. Debit cards I lost my debit card! What can I do? Use Card Controls in the Vibrant app or Online Banking to protect it right away. If you think it's misplaced, you can temporarily block transactions while you look for it. (Recurring transactions, like subscriptions and automatic payments, may still be processed.) If you find your card, simply remove the block and keep using it as normal. If your card is lost or stolen , report it through Card Controls to deactivate it and request a replacement card. Need help? Call our Member Contact Center during business hours at 1-800-323-5109. For after-hours debit card support, call 1-800-379-6724 to help prevent unauthorized charges. Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? If we detect suspicious activity on your card, Vibrant may contact you by text or phone to verify the transaction. If we don't receive a response, we may temporarily restrict your card to help protect your account. Be aware that scammers can "spoof" phone numbers and text messages to make it look like they're contacting you from Vibrant. Never share your card number, account number, PIN, online banking password, full Social Security number, or security codes with anyone who contacts you unexpectedly. If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking. How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. ACH transfers & payments How do I transfer money from Vibrant to another financial institution? Click here to learn more! How do I set up automatic payments? You can set up recurring payments through Bill Pay in the Vibrant app or online banking. To get started, add the person or business you want to pay, then select Make a Payment. From there, you can choose the payment amount, start date, and frequency, including weekly, monthly, or other recurring schedules. You can also choose how long the payments should continue. How long does it take for a transfer from Vibrant to be deposited at an external institution? Electronic transfers to another financial institution typically take 3 to 5 business days to complete. Once the transfer has been sent by Vibrant, processing times may vary depending on the receiving institution. The receiving institution is responsible for processing the transfer and making the funds available in your account. If you have questions about the status of a transfer after it's been sent, we recommend contacting the receiving institution as well. Online & mobile banking How do I set up online banking? Click the login button in the upper right hand corner of the Vibrant website and choose "Register a new account” or click here to get started. What do I do if I forgot my username and/or password for online banking? It happens! On the Online Banking login screen, select the "Forgot Username?" or "Forgot Password?" link and follow the prompts to recover or reset your credentials. How do I add my Vibrant debit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit card with Venmo, CashApp, PayPal, etc.? Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number). Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details. Loans When is my loan payment due? You can view your next loan payment due date in the Loan Payment Portal or, if you've enrolled in Online Banking to manage all of your Vibrant accounts in one place, through your online banking dashboard. In either system, select the loan account you'd like to view and open the account details to see your next payment due date. Note: If you don't see a due date, your next statement has not yet been generated. Once your statement is available, your due date will be displayed. How much is my loan payment? You can view your loan payment amount in the Loan Payment Portal or, if you've enrolled in Online Banking, through your online banking dashboard. In either system, select the loan account you'd like to view and open the account details to see your payment information. Note: If the payment amount shows as $0, your next statement has not yet been generated. Once your statement is available, your payment amount will be displayed. I received a notice about a missing title. What should I do? When you finance a vehicle with Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. If you receive a notice about a missing title, please contact the dealership where you purchased the vehicle to verify that the title has been sent to Vibrant. If you have additional questions, please reach out to our team for assistance. I received a notice about auto insurance. What do I need to do? If you have an active auto loan with Vibrant, we're required to maintain proof that the vehicle is covered by insurance that meets the terms of your loan. If you've received a notice requesting insurance information, please provide a copy of your insurance declarations page by calling (800) 523-6404 or visiting www.myinsuranceinfo.com . It's important to keep your insurance information up to date. If proof of coverage isn't provided, additional insurance coverage may be added to protect the vehicle, which could increase your monthly loan costs. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? If you purchased an extended warranty through your vehicle loan, contact Route 66 at (800) 808-0828 to start the repair claim process. If you need coverage details, contract information, or aren't sure which warranty plan you have, refer to your loan documents for additional information about your extended warranty coverage. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto, personal, or Loan Program (equipment) loan? You can apply online or contact our member service center if you need assistance filling out the application or have questions. *Skip-a-Pay qualifications are subject to change at any time. What is the fee for skipping a loan payment? It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing and if you have skipped fewer than six loan payments during the term of your loan. You can skip a payment on a Loan Program (equipment) loan a maximum of three times over the life of the loan if your account is in good standing, you've made at least one loan payment, and if you've skipped fewer than three loan payments during the term of your loan. *Skip-a-Pay qualifications are subject to change at any time. Titles How long will it take to receive my title? After your loan is paid off, please allow up to 10 days for Vibrant to process and release your title. For paper titles, the title will be mailed to you after the processing period. For electronic titles (e-titles), Vibrant will send a notice of lien release to your state's motor vehicle agency. Because the title is maintained electronically, you may not receive a physical title automatically. Can I expedite the title release process if I need it urgently for a private sale? We advise against attempting to expedite the process as it may lead to unintended complications. Instead, consider alternative options such as a Bill of Sale for immediate needs. Fraud I received a letter in the mail from Vibrant. Is it legit? First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.) If you receive a letter from Vibrant telling you your debit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically). I received a call/text/email about fraud on my card. Is this legit? It might be! Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information: Your account number Your card number Your PIN Your online banking username and/or password Your full Social Security Number If in doubt, don't hesitate to contact us or send a secure message through online banking.

Get in touch with us any time via phone, email, or secure messaging through the Vibrant mobile app. How Can We Help? The fastest way to get help depends on what you need. Many account-related requests can't be handled through our website contact form or standard email. For your security, questions involving your account require a secure channel and identity verification. Use the options below to get help faster. Online Banking & Login Help Can't sign in to Online Banking? Start with these self-service options: Reset your password Recover your username If you're still unable to access your account, call us at 800-323-5109 . We'll need to verify your identity before restoring access. Reset Online Banking Account Questions & Support Need help with your balance, transactions, payments, account number, loan, or other account activity? These requests require access to your account and cannot be handled through the website contact form or standard email. Use one of these secure options instead: Secure Chat in Online Banking Call us 800-323-5109 for 24/7 Automated Phone Banking This is the fastest and most secure way to get help with account-specific questions. Register for online banking here. Log In to Online Banking Fraud or Card Issues Lost your card? See a transaction you don't recognize? Think you may be experiencing fraud? Contact us as soon as possible. Use a secure channel for: Lost or stolen cards Unauthorized transactions Suspected fraud Card security concerns The sooner you reach out, the sooner we can help protect your account. For the fastest assistance, call 800-323-5109 . For all after hours card help, call 800-379-6724 . How to Detect Fraud Need to send us documents? Some requests require paperwork, and email is the quickest way to get it to the right team. If you're sending items such as a death certificate, Small Estate Affidavit, Power of Attorney paperwork, or other supporting documents, please email them to hello@vibrantcu.org . Secure Support Options Secure channels for account assistance: Secure Chat in Online Banking Automated Phone Banking Phone Support Phone: 800-323-5109 Hours (Central Time) Monday-Friday: 8:30 a.m.-5:00 p.m. Saturday: 8:30 a.m.-12:00 p.m. Sunday: Closed Account-specific requests require identity verification and cannot be handled through the contact form below. General Questions Questions about products, services, locations, careers, partnerships, or website feedback? Send us a message below.* *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations. Frequently asked questions I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report your debit card lost or stolen and it's after our regular business hours, please call 1-800-379-6724 to prevent unauthorized charges. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit transactions from being blocked while traveling? Going on a trip? While traveling, provide us with your plans to prevent potential card interruptions. To share your travel plans, visit 'Travel Notices' under 'Manage Cards' on online banking. On the mobile app, select 'Cards' from the main menu. Choose the card you plan on taking and select 'Travel Notices' to enter date and destination information. You can set travel alerts on multiple cards, but it must be set up individually per card. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109. What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. For after hours support on your debit card, please call 1-800-379-6724 to prevent unauthorized charges.

“Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds . (“SMS” and “phishing” equals “smishing.” Get it?) There are all kinds of text scams going around—free vacations, text “XXXXX” to donate to disaster relief—but the most common are focused on stealing your personally identifiable information, including account logins and passwords, Social Security numbers, security codes, birthdates, and more. Often, the senders impersonate reputable brands, like Microsoft, Amazon, or the financial institution where you bank, to gain your trust. Smishing is effective because the messages are short (so there’s less opportunity to say something that sounds fake) and because it’s hard to preview a link without clicking on it. Further, many mobile numbers are available in public databases, making it easy for scammers to hit up a bunch of potential victims without a lot of effort. 3 smishing warning signs Pay extra attention to texts that include: Links to websites. While there are times when legitimate senders will include a link in their message (for instance, Hy-Vee wants give you access to the receipt for your online order), most senders will tell you to call (and you should verify that number belongs to the sender before you do!) or ask you to reply to the message. Blocked, unknown, or incorrect Caller IDs. If you can’t see who’s sending the message, there’s a good chance it’s an attempted smishing attack. Appeals to respond quickly. Scammers don’t want you to think before you act. So they rely on messages designed to make you feel as though you’re at risk. How to respond if you're being smished Don’t reply “STOP” if it’s offered as an option. When you do, you confirm to the scammer that they’ve reached a valid number with an attentive person on the other end. This particular conversation may stop, but you’ll likely be hearing from them again. Don’t give out any personal information. No reputable organization will request your date of birth, Social Security Number, address, or payment information via text. Report scam texts to your mobile phone company and the FTC. You can forward scam texts to your mobile provider by forwarding the text message to 7726 (that’s SPAM). And you can share your scams with the Federal Trade Commission at reportfraud.ftc.gov or call 1-877-382-4357. How to minimize your risk of being smished Actively block or filter spam messages from your phone. On Android’s Messages app , click the menu in the upper right corner and choose DETAILS, then choose the BLOCK & REPORT SPAM option. On iPhone's Messages app , if you’ve opened the message, scroll to the bottom, select REPORT JUNK, then click DELETE AND REPORT JUNK. Make sure your phone software is up-to-date. Don’t put off those software updates! Back up your phone data. If you have an Android phone, it’s easy to move your photos and data to Google Drive. Apple iPhone users can use iCloud or back up to your PC or Mac via iTunes. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected Read More > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job.

The new foundation deepens our mission to bring more good into the communities we love. Vibrant Credit Union launches the Be The Good Foundation The new foundation deepens our mission to bring more good into the communities we love. Moline, IL — January 13, 2026 Vibrant Credit Union announced the official launch of the Be The Good Foundation , a philanthropic initiative designed to power more kindness, more opportunity, and more “good stuff” in communities across the Midwest. For years, Vibrant has believed that doing good shouldn’t be a side project — it should be part of who we are. The Be The Good Foundation brings that belief to life, supporting organizations that are building brighter futures through financial literacy, youth development, and community enrichment. “Good doesn’t happen by accident,” said Tiffany Haedt, President of the Be The Good Foundation. “It happens when people roll up their sleeves, show up for each other, and decide that doing the right thing is worth the effort. This foundation lets us invest in the people and nonprofits already making that kind of magic happen.” The Foundation’s focus areas reflect Vibrant’s long-standing belief that thriving communities start with strong building blocks: Financial Literacy: Because understanding money is a superpower everyone deserves. Youth Development: Preparing the next generation of leaders, creators, helpers, and big thinkers. Community Enrichment: Supporting programs that make our neighborhoods feel safer, healthier, and more connected. Guided by values like optimism, integrity, joy, and compassion, the Foundation chooses projects that don’t just sound good on paper — they make a real difference. “We’re here for the changemakers,” said Megan Anderson, Vice President. “The people who get up every day and do the work. If we can fuel that, we’ll gladly bring the spark.” The Foundation is led by a volunteer Board of Directors — Matt McCombs, Amy Henderson, Marsha Wolff, Nick Tarpein, and Trista Beise — who believe in transparency, responsibility, and the power of small actions that become big outcomes. Nonprofits can now submit grant proposals. Application materials, eligibility details, and FAQs are available at: VibrantCreditUnion.org/BeTheGood “Communities thrive when people lift each other up,” said Marsha Wolff, Secretary/Treasurer. “The Be The Good Foundation is here to help that lift go farther.” About the Be The Good Foundation Be The Good Foundation, founded by Vibrant Credit Union, supports programs that expand financial literacy, empower young people with life and career skills, and strengthens communities. The foundation operates with a simple belief: when you put more good into the world, the world responds in kind. About Vibrant Credit Union Founded in 1935, Vibrant Credit Union is a federally insured credit union built on strong roots and a forward-looking mindset. Vibrant delivers competitive deposit rates, intuitive digital banking, and fast, flexible money movement designed to make everyday finances easier. Beyond products, Vibrant is deeply committed to giving back — supporting nonprofits, strengthening communities, and championing its call to Be The Good through meaningful partnerships and measurable impact. Because great financial tools matter, but what you do with them matters even more. Previous Item Next Item Read more from the blog Read More > Identity Theft vs. Identity Fraud What’s the Difference (and Why It Matters) Read More > 10 Reasons to Set Up Direct Deposit Whether you're looking for a faster payday, easier money management, or a more secure way to get paid, direct deposit has benefits worth exploring. Read More > How Much Should You Actually Have in Checking vs. Savings? (And Why the Answer Isn’t the Same for Everyone) Read More > How Mobile Check Deposit Works And When It Makes Sense to Use It Read More > Is Online Banking Safe? What Really Keeps Your Money Protected Read More > 5 Smart Habits That Make Managing Your Money Easier (Not Harder) Managing money shouldn’t feel like a part-time job.

Reserve and lending solutions built for COAs & HOAs Protect your reserves, access capital, and fulfill fiduciary responsibilities with confidence. Learn more Schedule a meeting Maximize earnings on reserves, access capital when you need it — all in one solution. Condo boards across Florida are facing new reserve requirements—and with them, greater responsibility to safeguard community funds. Vibrant’s reserve and lending solutions are built specifically for COAs and HOAs, helping boards meet today’s demands with confidence. Every dollar is fully insured, readily accessible, and earning competitive returns —while our no-fee lines of credit provide flexible access to capital for repairs or underfunded reserves. Together, they give your association the financial security it needs without the complexity. Fully insured funds Up to $15 million in federal deposit insurance* at no cost. Flexible line of credit Take advantage of multi-year terms with no monthly fees . Industry-leading rates Get access to our nationally recognized rates. No hidden requirements Open an account in minutes from anywhere. Enjoy extended insurance, without the hassle of multiple banking relationships. We make banking easier by promising: Simple account opening & full control of your funds Dedicated relationship manager who understands HOA needs Leadership steeped in community banking Get started "As someone who just bought a condo in Florida, I've seen firsthand how these new requirements are impacting boards. That's exactly why we built this solution—to make reserve funding safer, simpler, and smarter ." Nick Tarpein— Chief Financial Officer, Vibrant Credit Union “In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.” Paul S — President, KWBTS We have the answers to your rising complications. Challenge Solution Reserve requirements demand safety and security. Reserve studies might reveal underfunded reserves. Emergency repairs require fast access to capital. Boards need funds that are both insured and easily accessible. Fiduciary responsibility means safeguarding community funds while meeting board expectations. Our high-yield reserve account * is fully insured and backed by the full faith of the U.S. Government through NCUA coverage , ensuring both growth and protection. We offer quick and easy eligibility for lines of credit tailored for HOAs and Condos—no personal guarantees, draw fees, non-usage fees, or origination fees required. With 24/7 account visibility and control , you're always prepared. If bundled with a line of credit, you can draw instantly from your HELOC for immediate funding. Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety. Don’t sacrifice safety for accessibility—our insured money market account offers competitive yields with NCUA coverage up to $15MM, delivering the best of both worlds. Schedule time to talk with an expert Still not convinced? There's more to the story. Give your board the clarity and confidence they need. Our Due Diligence Packet lays it all out—why this matters, how it works, and exactly how Vibrant protects your reserve funds while delivering unmatched value. Learn more about our mission, goals and the fuel that drives us ahead here . Download the Due Diligence Packet It's not a claim, it's a receipt. The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed. Frequently asked questions What is House Bill 913 and how does it affect my HOA? House Bill 913 introduces stricter reserve funding requirements for Florida condominium and cooperative associations. It mandates full funding of structural reserves and limits the ability to waive or reduce contributions. Vibrant’s reserve solutions are designed to maximize your return on the reserve funds you’re holding. How does Vibrant support our board’s fiduciary responsibility? Our insured money market accounts offer competitive returns while maintaining full liquidity and up to $15 million in NCUA-backed coverage . This ensures your board is acting in the best financial interest of the association—protecting funds, earning interest, and staying compliant with state laws. How much of our funds can be insured through Vibrant? Vibrant offers up to $15 million in NCUA-backed coverage at no cost to your association. This extended insurance helps protect your reserves without the need for multiple banking relationships. What kind of returns can we expect on our reserve funds? As a nationally recognized rate leader, you can always count on competitive returns. Our insured money market accounts deliver strong earnings potential with no added cost to you. Plus, we encourage you to ask about relationship-based pricing, cash incentives, and the added value of bundling with a line of credit—all designed to help you maximize your earnings and financial flexibility. Is there a minimum deposit or balance required to open or maintain the insured money market account? No, there’s no minimum deposit or balance requirement. While NCUA/FDIC insurance typically covers up to $250,000, our insured money market account* provides coverage for balances up to $15 million. Many members choose this account when their deposits exceed the standard insurance limit. Can we access our funds easily if needed? Yes, you’ll have full access and control over your funds. Liquidity is available either the same day or by the next business day. You can manage deposits and withdrawals through our secure online portal 24/7, and your Relationship Manager is also available to assist with any transaction requests. What makes Vibrant different from other financial institutions? We combine executive leadership experience, personalized service, and industry-leading rates with a deep understanding of HOA board responsibilities. Our streamlined account opening and due diligence packages make compliance simple and stress-free. Why is reserve planning important for our organization? Effective reserve planning ensures your community is financially prepared for future repairs and replacements. It protects property values, minimizes special assessments, and helps boards meet their legal obligations under Florida law. Does Vibrant offer a Line of Credit to help with reserve requirements and emergencies? Yes. Vibrant offers flexible Line of Credit options designed to support associations during unexpected expenses or while building up reserves. These solutions help boards meet immediate obligations without compromising long-term financial health. *Insurance provided through program credit union (subject to certain conditions). Federal deposit insurance refers to insurance through NCUA. $5 Membership Share account required. 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.

Escrow Change Form Make changes to your escrow account