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 April 17, 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. Premier Checking Earn 4.00 APY* on your checking up to $24,999 Get started Preferred Savings Earn 4.50% APY* on balances up to $14,999 Get started 6-month CD Earn 4.50% APY* with our six-month CD Get started 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 April 17, 2025. **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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Ready to make your money work harder? Open a checking account . Back to top Savings Account Rates Average Daily Balance Membership Savings Everyday Savings ^ Preferred Savings ^^ Premier Savings ^ Elite Savings ^ APY* APY* APY* APY* APY* $0-$99 0.00% 0.10% 4.50% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.50% 0.10% 0.50% $10,000 - $14,999 0.05% 1.50% 4.50% 0.10% 0.50% $15,000 - $24,999 0.05% 1.50% 1.00% – 4.50% 0.10% 0.50% $25,000 - $49,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $50,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $100,000 - $199,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $200,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $250,000 - $499,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $500,000 - $1,000,000 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $1,000,000 + 0.05% 2.00% 1.00% – 4.50% 3.50% 4.50% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Ready to earn more on your money? Open a savings account . ^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. $5 Membership Share account required. Federally insured by NCUA. Back to top Certificate of Deposit (CD) Rates Term APY* 6-Month CD Special (2) 4.50% 8 Month++ 0.01% 9-Month*** 0.01% 12 Month 0.01% 13 Month*** 4.50% 15 Month*** 0.01% 18 Month 0.01% 23 Month (1) 4.00% 24 Month 0.01% 30 Month 0.50% 36 Month 0.01% 40 Month Bump Up Special(+) 1.90% 48 Month 4.20% 5-Year Add-On Certificate** 0.01% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Need to grow your cash steadily and securely? Open a CD . Back to top **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. ***9- , 13- and 15-month certificates will automatically renew into a 12-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. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 6-Month Certificate Special has an APY of 4.50%. The 6-Month Certificate will auto-renew into a 6-month certificate at the rate available at the time of maturity. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Back to top Looking to supplement your healthcare coverage? Talk to us about an HSA . *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Average Daily Balance APY* $100 - $4,999 0.01% $5,000+ 0.01% Health Savings Account (HSA) Rates $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Business Checking Account Rates Average Daily Balance APY* *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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 Business Membership Savings Rates Average Daily Balance APY* $100+ 0.005% $0 – $99.99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. $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 Community Checking Rates Average Daily Balance APY* $50,000+ 1.00% $0 to $49,999.99 3.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. Are you a small or mid-sized business looking for a checking account that earns interest? Talk to a relationship manager about a community checking account. Back to top Community Savings Rates Average Daily Balance APY* $0 and up 3.50% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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 Rates Average Daily Balance APY* $100 - $9,999 0.01% $10,000 - $24,999 0.01% $25,000 - $99,999 0.01% $100,000 - $199,999 0.01% $200,000 - $499,999 0.01% $500,000 + 1.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. $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? Open a business money market account. Back to top Learn more Looking for mortgage rates? Individual Retirement Account (IRA) Rates Average Daily Balance APY* $100 - $9,999 0.01% $10,000 - $24,999 0.01% $25,000 - $49,999 0.10% $50,000 - $99,999 0.30% $100,000 + 0.35% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Back to top $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Checking Savings CDs Community Checking Community Savings Business Checking Business Savings Business Money Market HSA IRA

Get some of the best CD rates available in 2025. See our current CD specials and other CD terms. Open an account online in minutes. Stay ahead of falling rates Lock in a great rate while you can. Open a CD with a minimum deposit of just $5. Open a CD Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD Open a CD Open a CD Stay ahead of falling rates Stay ahead of falling rates Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Stay ahead of falling rates $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates falling, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. 6-month CD Current rate 4.50% APY* Our 6-month CD offers a competitive rate, giving you a secure and rewarding way to grow your savings in just half a year. 13-month CD Current rate 4.50% APY* Maximize your interest earnings through 2025 and beyond. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances. 48-month CD Current rate 4.20% APY* If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings for the next four years. Which CD is right for you? Open a CD CD rates Term APY* 6-Month CD Special (2) 4.50% 8 Month++ 0.01% 9-Month*** 0.01% 12 Month 0.01% 13 Month*** 4.50% 15 Month*** 0.01% 18 Month 0.01% 23 Month (1) 4.00% 24 Month 0.01% 30 Month 0.50% 36 Month 0.01% 40 Month Bump Up Special(+) 1.90% 48 Month 4.20% 5-Year Add-On Certificate** 0.01% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. **During the term of the Add-On certificate , you may make deposits of $5 or more at any time. ***9- , 13-, and 15-month certificates will automatically renew into a 12-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. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 6-Month Certificate will auto-renew into a 6-month certificate at the current rate on the maturity date. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Frequently asked questions Who is eligible to open a CD with Vibrant? You can open a Vibrant account from anywhere in the United States. You are eligible to join Vibrant Credit Union if you: Are a member of one of the associations we partner with. Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Are a domestic partner or immediate family member of a current Vibrant Credit Union member. Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area. Become a member of the Illinois Consumer Council, a nonprofit membership organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. We’ll even enroll you and cover any costs associated with your ILCC membership. This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union. 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. Is there a penalty for early withdrawal? You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options. What happens when my CD reaches the end of its term? If you choose not to withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the same term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose, you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it can therefore earn more interest than you’d earn with a savings account. In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

Find the best high-yield savings (HYSA) and high-yield checking accounts available and the best CD rates of 2025. Open an account online in minutes at Vibrant Credit Union. PRESIDENTS DAY: All Vibrant branches and our corporate office will be closed on Monday, February 17, 2025. Mobile and online banking will still be available. PLAN AHEAD: Online banking will be unavailable on Tuesday, February 4, starting at 8.a.m. and lasting until noon on Wednesday, February 5, as we make updates to our system. Bank with the best Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Open an account We're not just saying we're the best . It's been scientifically proven. Savings Checking CDs 4.50% APY* on balances up to $15,000 Vibrant 0.33% APY* Average Bank 0.20% APY* Average Credit Union 4.00% APY* on balances up to $24,999 Vibrant 0.21% APY* Average Bank 0.15% APY* Average Credit Union Vibrant 13-month CD 4.50% APY* Average Bank 1-year CD 2.36% APY* Average Credit Union 1-year CD 3.11% APY* * For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of January 15, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.33% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.20% APY, based on a $2,500 balance. Vibrant APY is for the Preferred Savings account and is accurate as of January 15, 2025. Rates are subject to change. 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. $5 Membership Share account required. Federally insured by NCUA. Checking comparison: As of January 15, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.21% 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. Vibrant APY is for the Premier Checking account and is accurate as of January 15, 2025. 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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. CD comparison: As of January 15, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.36% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 3.11% APY, based on a $10,000 deposit. Vibrant APY is for the 13-month CD and is accurate as of April 17, 2025. 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. Federally insured by NCUA. Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Bank with the best Open an account 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, deposits 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. Learn more 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. Heads up! Our online application system will be conducting normal monthly maintenance on production systems between 10pm and midnight ET on Sunday, February 23, 2025. During this time some services may not be available. We anticipate any interruption to be less than 10 minutes.

Find the right credit card for your needs. Choose from low-interest credit cards, cashback credit cards, travel rewards credit cards, and more. Apply now. Choosing the right credit card is easier than ever Get convenient and flexible purchasing power with a card that fits your priorities. Explore credit cards Get convenient and flexible purchasing power with a card that fits your priorities. Choosing the right credit card is easier than ever Explore credit cards More cards, more options Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, there's a card to help you do it. Whichever you choose, you can count on these great features. Accepted at millions of locations worldwide Mobile purchasing for added convenience Zero Fraud Liability* You won't be liable for fraudulent purchases when your card is lost or stolen. 24/7 cardmember services Find the right card *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Frequently asked questions Where do I send my credit card payment? Starting in March 2025, Elan Financial Services will handle service and processing for all Vibrant Mastercard accounts. Watch your mailbox for communications from them about your account. Access your account now . I already have a Vibrant Mastercard, but I'm interested in a different rewards program. Can I change cards? You can choose from a variety of cards and rewards programs based on your interests and financial needs. Explore all your card options . Where do I find out about interest rates? See the latest rates on all your credit card options to find the one that's best for you. Is there an annual fee for these credit cards? Most of our new credit card options are available without an annual fee. However, some premium rewards programs may charge a fee. Get the details . What if my credit history isn't that great? Check out the Vibrant Secured Card and see if it's a good fit for your situation. It's a great way to start building or improving your credit history.

Open a high-yield savings account in minutes and start earning up to 4.50% APY on your balance up to $15,000. Bank with the best Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Open an account No monthly fees No minimum balance required. Unlimited transactions Move money between your checking and savings, make withdrawals, even pay bills. Earn up to 450x more interest Say goodbye to that 0.01% APY* you're earning at your current bank. And hello to Vibrant. Which account is right for you? Everyday Savings Get in the savings habit. Keep cash on hand for emergencies or splurges without restrictions or fees. No monthly fees Dividends paid monthly See current rates Featured rate 2.00% APY* on balances of $25,000 and up Preferred Savings If you have less than $15,000 in savings, this high-yield account will help you grow your nest egg fast. No monthly fees No minimum balance requirements Unlimited transfers and withdrawals No minimum debit transactions per month Dividends paid monthly Featured rate 4.50% APY* on balances up to $14,999.99 Premier Savings If you typically have between $25,000 and $100,000 in savings, this account earns you a better-than-average yield. No monthly fees Unlimited transfers and withdrawals Dividends paid monthly Featured rate 3.50% APY* on balances of $25,000 and up Elite Savings If you have $100,000 or more in savings, you can earn interest at rates comparable to a high-yield CD— without penalties when you want to make a withdrawal. No monthly fees No transaction limits Monthly dividends Federally insured by NCUA—talk to us about strategies to maximize your deposit insurance Featured rate 4.50% APY* on balances of $1 million and up Savings account rates Average Daily Balance Membership Savings Everyday Savings ^ Preferred Savings ^^ Premier Savings ^ Elite Savings ^ APY* APY* APY* APY* APY* $0-$99 0.00% 0.10% 4.50% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.50% 0.10% 0.50% $10,000 - $14,999 0.05% 1.50% 4.50% 0.10% 0.50% $15,000 - $24,999 0.05% 1.50% 1.00% – 4.50% 0.10% 0.50% $25,000 - $49,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $50,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $100,000 - $199,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $200,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $250,000 - $499,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $500,000 - $1,000,000 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $1,000,000 + 0.05% 2.00% 1.00% – 4.50% 3.50% 4.50% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. ^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. $5 Membership Share account required. Federally insured by NCUA. 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 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 a rate of 4.50% APY. The portion of your balance above $15,000 will earn interest at a rate of 1.00% APY. Can I open more than one Preferred Savings account? Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings above $15,000. How is interest calculated on savings accounts? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of, say, $104.35 in a Preferred Savings account, you'll earn 4.50% APY on that amount. Get the account for people who prefer to earn 4.50% APY* It's the one we named Preferred Savings, of course—and you can move your money in minutes. Open an account It's the one we named Preferred Savings, of course—and you can move your money in minutes. Get the account for people who prefer to earn 4.50% APY* Open an account

Get one of the best high-interest checking accounts available and start earning up to 4.00% APY on your balance up to $25,000. Open an account online With Premier Checking, you can turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 You've never seen a checking account like this before Get all the perks, including free online banking with mobile deposit and free credit monitoring, without paying extra. No monthly fees You don’t have to keep a large balance to earn a great rate. You’ll start earning interest with every dollar you deposit. No minimum balance requirement Unlike many high-yield checking accounts, we don’t require you to sign up for direct deposit or make a minimum number of monthly transactions. No hoops to jump through Each month, you’ll receive a monthly dividend based on your average daily balance. Get monthly interest dividends Add a Title Open an account online With Premier Checking, you can. turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 Current rates Average Daily Balance APY* $25,000+ 1.50% – 4.00% $0 – $24,999.99 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Move your money to Vibrant and watch your balance snowball. Earn up to 450x more on your money when you move to a Vibrant high-yield checking or savings account. Open an account online Find out how much more you could be earning when you move your money to Vibrant. No hoops. No hassle. Always the best rates. Move your money to Vibrant and let it grow The earnings pile up fast when you open a high-yield checking or savings account with us. Open an account See how we match up against your current bank No monthly fees Enjoy unlimited transactions with no minimum balance required. Market-leading interest rates Paying you more interest on your checking and savings every day is pretty much our whole deal. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more. Current rates Elite Savings Average Daily Balance APY* $100,000 – $249,999.99 4.00% $250,000 – $999,999.99 4.25% $1,000,000+ 4.50% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Rates subject to change without notice. Elite Savings 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. Balances below $100,000 will earn 0.50% APY. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Rates subject to change without notice. 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. $5 Membership Share account required. Federally insured by NCUA. Preferred Savings Average daily balance APY* $0 –$14,999.99 4.50% $15,000+ 4.50% – 1.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. Rates subject to change without notice. Preferred Savings is a tiered 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. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of October 28, 2024. 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. $5 Membership Share account required. Federally insured by NCUA. Who is eligible to become a Vibrant member? 1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. OR 2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories: You're a member of one of the associations we partner with You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Your domestic partner or immediate family member is a current Vibrant Credit Union member You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area: Illinois Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County Indiana Fountain, Vermillion, and Warren Iowa Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren Wisconsin Grant, Green, and Lafayette This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online . How long will these rates be available? Don't worry—this is no "special introductory offer." We're committed to bring all our members, no matter the size of their balance, the best rates on checking and savings they can find anywhere. While rates may fluctuate in response to larger economic trends, our promise is that ours will always be well above what you'll earn at the average bank or credit union. With no monthly fees, no hoops, and no hassle. Do I have to sign up for direct deposit, maintain a minimum balance, or make a certain number of transactions? Nope! All you need to do is open an account, and you'll start earning a great rate on your balance each month no matter how you use your account. Is my deposit insured? Your accounts are insured up to $250,000 per account holder by NCUAA (that's the credit union equivalent of the FDIC). Want to carry a larger balance? Talk to us about strategies for maximizing your deposit insurance—and check out our equally great account options for higher balances . Frequently asked questions Move your money to Vibrant and let it grow The earnings pile up fast when you open a high-yield checking or savings account with us. as you do. Open an account online No hoops. No hassle. Always the best rates. Find out how much more you could be earning when you move your money to Vibrant. Open an account online

Open a high-interest checking account in minutes and start earning up to 4.00% APY on your balance up to $25,000. Earn 4.00 APY* on your checking balance up to $24,999 That could add up to nearly $1,000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Get Premier Checking The closest branch is as near as your phone Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Apple Download the Vibrant app Find a nearby ATM, check your balances, or transfer funds on the go. Android No monthly fees No minimum balance required. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more. Premier Checking Get a high-yield checking account with no hoops to jump through—just the high rate you deserve. No minimum balance required No direct deposit required No minimum monthly debit card transactions required Encrypted debit transactions with Google Pay and Apple Pay Federally insured by NCUA up to $250,000 per account holder Featured rate 4.00% APY* on balances up to $25,000 Everyday Checking It's everything you want in a basic checking account—nothing more, nothing less. No minimum balance requirements Encrypted debit transactions when using Google Pay and Apple Pay Federally insured by NCUA Features Get payment reminders and notifications of debit transactions as they happen when you use the Vibrant app. Which account is right for you? Open a checking account Frequently asked questions How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Do you offer overdraft protection? All Vibrant checking accounts include Overdraft Privilege. Vibrant will automatically pay overdrafts for checks and automatic bill payments at our discretion. You can also choose Overdraft Protection and authorize Vibrant to pay overdrafts for debit card and ATM transactions when you open your account. If you'd like to add Overdraft Protection, contact us during regular business hours or send us a secure message through your online banking account. How long does it take for a mobile deposit to appear in my account? You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day. How do I get a replacement debit card? Visit a branch to order a new debit card or send us a secure message through your online bank account to request a new one. You can also call our member services team at 800-323-5109 during regular business hours. How is interest calculated on Premier Checking? Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn approximately 33 cents in interest at the end of the month. How often is interest paid on Premier Checking? Interest dividends are paid to your account at the end of every month. Checking account rates $ 0 – $24,999 4.00% Premier Checking** Any 0.00% Everyday Checking Average Daily Balance APY* $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. **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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. That could add up to nearly $1000— and you won't even have to pay monthly fees or sign up for direct deposit to qualify. Earn 4.00 APY* on your checking balance up to $24,999 Get Premier Checking

Get one of the best high-interest savings accounts available anywhere. Apply online in minutes and start earning more. Earn 4.50% APY* on your balance up to $15,000 No hoops. No hassle. Always the best rates. What are you waiting for? Open an account online What's your savings goal? No monthly fees. No minimum balance requirements. Build up savings fast You’ll start earning interest at the same rate million-dollar depositors do with the very first $5 you deposit. Save up for a big purchase With Preferred Savings, you can reach your goals faster with monthly dividend payments. Earn more without sacrificing flexibility Even though you’ll earn interest comparable to a high-yield CD, you can make a withdrawal at any time with no penalty. Add a Title Earn 4.50% APY* on savings up to $14,999 With Preferred Savings, your money can start working as hard as you do. Open an account online Preferred Savings Rates Average daily balance APY* $0 –$14,999.99 4.50% $15,000+ 4.50% – 1.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. $5 Membership Share account required. Federally insured by NCUA.

Move your money to Vibrant and watch the earnings pile up. Earn up to 450x more than you're earning now when you move to a Vibrant high-yield checking or savings account. Expect substantial accumulation The earnings pile up fast when you open a high-yield checking or savings account with us. Open an account online Expect substantial accumulation The earnings pile up fast when you open a high-yield checking or savings account with us. Open an account See how we match up against your current bank No monthly fees Enjoy unlimited transactions with no minimum balance required. Market-leading interest rates Paying you more interest on your checking and savings every day is pretty much our whole deal. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more. Current rates Elite Savings Average Daily Balance APY* $100,000 – $249,999.99 4.00% $250,000 – $999,999.99 4.25% $1,000,000+ 4.50% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. Rates subject to change without notice. Elite Savings 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. Balances below $100,000 will earn 0.50% APY. $5 Membership Share account required. Federally insured by NCUA. Preferred Savings Average daily balance APY* $0 –$14,999.99 4.50% $15,000+ 4.50% – 1.00% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. Rates subject to change without notice. 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. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of December 4, 2024. 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. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. $5 Membership Share account required. Federally insured by NCUA. Who is eligible to become a Vibrant member? 1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. OR 2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories: You're a member of one of the associations we partner with You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Your domestic partner or immediate family member is a current Vibrant Credit Union member You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area: Illinois Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County Indiana Fountain, Vermillion, and Warren Iowa Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren Wisconsin Grant, Green, and Lafayette This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online . How long will these rates be available? Don't worry—this is no "special introductory offer." We're committed to bring all our members, no matter the size of their balance, the best rates on checking and savings they can find anywhere. While rates may fluctuate in response to larger economic trends, our promise is that ours will always be well above what you'll earn at the average bank or credit union. With no monthly fees, no hoops, and no hassle. Do I have to sign up for direct deposit, maintain a minimum balance, or make a certain number of transactions? Nope! All you need to do is open an account, and you'll start earning a great rate on your balance each month no matter how you use your account. Is my deposit insured? Your accounts are insured up to $250,000 per account holder by NCUAA (that's the credit union equivalent of the FDIC). Want to carry a larger balance? Talk to us about strategies for maximizing your deposit insurance—and check out our equally great account options for higher balances . Frequently asked questions Add a Title Earn 4.50% APY* on savings up to $14,999 With Preferred Savings, your money can start working as hard as you do. Open an account online

Move your money to Vibrant and watch your earnings snowball. Earn up to 450x more than you're earning now when you move to a Vibrant high-yield checking or savings account. Watch your money grow and grow Your balance will snowball when you move your money to a high-yield checking or savings account. Open an account online Watch your money grow and grow Your balance will snowball when you move your money to a high-yield checking or savings account. Open an account online See how we match up against your current bank No monthly fees Enjoy unlimited transactions with no minimum balance required. Market-leading interest rates Paying you more interest on your checking and savings every day is pretty much our whole deal. 24/7 mobile banking Deposit checks, pay bills, and keep track of your credit score from your smartphone. So many perks Get ticket discounts and VIP access at Vibrant Arena, special offers from Vibrant Music Hall, 20% off at Vibrant Coffeehouse + Kitchen, plus much more. Current rates Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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 Preferred Savings account per member. $5 Membership Share account required. Federally insured by NCUA. Preferred Savings Average daily balance APY* $0 –$14,999.99 4.50% $15,000+ 4.50% – 1.00% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. Rates subject to change without notice. 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 Premier Checking account per member. $5 Membership Share account required. Federally insured by NCUA. Elite Savings Average Daily Balance APY* $100,000 – $249,999.99 4.00% $250,000 – $999,999.99 4.25% $1,000,000+ 4.50% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. Rates subject to change without notice. Elite Savings 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. Balances below $100,000 will earn 0.50% APY. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of December 4, 2024. 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. $5 Membership Share account required. Federally insured by NCUA. Premier Checking Average Daily Balance APY* $0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of April 17, 2025. 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. $5 Membership Share account required. Federally insured by NCUA. Frequently asked questions Who is eligible to become a Vibrant member? 1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. OR 2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories: You're a member of one of the associations we partner with You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Your domestic partner or immediate family member is a current Vibrant Credit Union member You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area: Illinois Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County Indiana Fountain, Vermillion, and Warren Iowa Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren Wisconsin Grant, Green, and Lafayette This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online . How long will these rates be available? Don't worry—this is no "special introductory offer." We're committed to bring all our members, no matter the size of their balance, the best rates on checking and savings they can find anywhere. While rates may fluctuate in response to larger economic trends, our promise is that ours will always be well above what you'll earn at the average bank or credit union. With no monthly fees, no hoops, and no hassle. Do I have to sign up for direct deposit, maintain a minimum balance, or make a certain number of transactions? Nope! All you need to do is open an account, and you'll start earning a great rate on your balance each month no matter how you use your account. Is my deposit insured? Your accounts are insured up to $250,000 per account holder by NCUAA (that's the credit union equivalent of the FDIC). Want to carry a larger balance? Talk to us about strategies for maximizing your deposit insurance—and check out our equally great account options for higher balances . Add a Title Earn 4.50% APY* on savings up to $14,999 With Preferred Savings, your money can start working as hard as you do. Open an account online

Looking for a member service agreement or our current rates and charges for various products? You're in the right place. Disclosures Members Member Service Agreement Rates and Service Charges (updated 04.17.2025) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice Text Messaging and Opt-Out Policy Business Members Business Service Agreement Business Rates & Service Charges (updated 10.17.2024) Master ACH Agreement for Businesses Business Online Banking Account Access Agreement and Disclosure Statement Other Security and Refund Policy Illinois Community Reinvestment Act Notice - Corporate Illinois Community Reinvestment Act Notice - Branch