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  • Personal Credit Cards | Vibrant Credit Union

    Save on interest with rates as low as 9.90% APR* Get credit for your good credit. The Vibrant Mastercard gives you financial flexibility whenever you need it. Save on interest with rates as low as 9.90% APR* Get credit for your good credit. The Vibrant Mastercard gives you financial flexibility whenever you need it. FAQ Can I transfer the balance of my higher interest credit cards to my Vibrant Mastercard? Yes! There are no fees to transfer balances from other accounts (up to your credit limit), though you will be charged interest on those balances as soon as they are transferred. How do I unsubscribe from Mastercard communications? If you'd rather not get alerts about upcoming deals and promotions directly from Mastercard, you can manage your communication preferences . FAQ Get the Vibrant Credit Mastercard No annual fee No cash advance fees No balance transfer fees Pay less interest when you need to carry a balance Plus, you'll get an instant 20% discount on all food and drink orders at Vibrant Coffeehouse and Kitchen when you pay with your Vibrant Mastercard. Rates as low as 9.900% APR* To apply, call 1-800-323-5109 or stop by Vibrant HQ. *APR= "Annual Percentage Rate." Vibrant Credit Mastercard: 9.90% – 18.00% APR when you open your account, based on creditworthiness. $5 Membership Share Account required.

  • Yanmar Training | Vibrant Credit Union

    Yanmar Training Center Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Add a Title Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Yanmar Training Center Your guide to online banking! Online Banking User Guide Need assistance? Submit the form below or contact us at 1-800-479-6206 during regular business hours (Monday through Friday from 7:30 a.m. to 6:00 p.m. CT and Saturdays from 8:30 a.m. to 4:00 p.m. CT).

  • Skip a Pay | Vibrant Credit Union

    Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Take a break from your bills If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget. Apply now *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. A Vibrant employee may follow up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive to your Junk/Spam folder. Processing time may take 1–2 business days. This payment skip will extend the final maturity date of your loan by one (1) month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non-real estate loan is allowed a maximum of two (2) skipped payments per 12-month period and are limited to six (6) total for the life of the loan. There must be one full payment made between skips. Loan Program loans are eligible for one (1) skip per 12-month period, after at least one initial payment on the loan has been made and are limited to three (3) for the life of the loan. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss. When you Skip-a-Pay, you pay absolutely nothing now: Your skipped payment is added to the end of your current term Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* How it works To apply, all you need is your account number and current balance: Check your inbox for confirmation and a form from DocuSign to agree to the Skip-A-Payment terms If you use autopay, make sure to adjust any scheduled payments What to expect Anyone with a Vibrant auto, personal, Loan Program (equipment) loan can apply if: Your balance is current Auto and personal loans: It’s been more than one payment cycle since you last used Skip-a-Pay and you've skipped fewer than 6 payments total Loan Program (equipment loans): You've made at least 1 loan payment and you've skipped fewer than 3 payments total Who can apply?

  • Introducing Vibrant Arena at The Mark | Vibrant Credit Union

    Features & benefits Plus free mobile deposit, online banking, monthly credit monitoring, and access to a nationwide network of 55,000+ fee-free ATM's. Get checking with no monthly fees Open an account Vibrant has CDs with terms ranging from 3 months to 5 years. Start earning a better rate on your savings with a minimum $5 deposit. Tiered interest rates Open a CD Get rates as low as 9.900% APR with Vibrant Credit Mastercard—plus an instant 20% discount on food and drinks every time you use it at Vibrant Coffeehouse and Kitchen . Member-only discounts Apply now Learn more Remember when people used to pay third-party vendors to see their credit score? You can track yours any time with the free Vibrant mobile apps. Monitor changes in your credit score, see how future purchases or payments will affect it, and get customized lending offers to help you save money. All this, plus mobile deposit, bill pay, and other great account management tools. Download it today for Apple or Android. See your credit score anytime you want What is a certificate of deposit (CD) and how do they work? Interest rates are rising—and that's good news when it comes to CDs. If you want to get a better rate of return on your savings without risk, a certificate of deposit is a great option. Read more > 4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you create an inflation-proof budget and increase your savings. Read more > Vibrant named among top 50 "Best Credit Unions to Work for" Vibrant ranked #41 on American Banker's survey of the Best Credit Unions to Work for. Winners were chosen based on two employee surveys asking their assessment of their employer's leadership and planning, corporate culture, communication, and overall engagement. Read more in American Banker > New HQ captures Vibrant Credit Union's culture Vibrant's new corporate headquarters, located in a former Sam's Club building, is "by far the coolest building I've ever worked on," Russell Construction project manager Sarah Perkins told the Quad Cities Regional Business Journal. “Most banking facilities feel very banking-like … this one has an overall collaborative feeling.” Read more > Get sound advice from real people

  • Careers | Vibrant Credit Union

    Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings Add a Title Search current openings If you want a job you can feel good about, you'll love working here. Open yourself up to new possibilities You might be surprised by the number of Vibrant employees who never considered working in banking until they came here. What makes us different? First, we want you to find a role that makes you look forward to coming to work—and we’ll make sure you get the training and development to succeed in one that does. Second, we believe there’s no single “right” way to do most things, and we’re not afraid to try something new. That opens up a ton of opportunities to build your skills. Third, we take our members seriously, but not ourselves. Which is why there’s a closet full of inflatable cow costumes at our corporate headquarters. Make your career Vibrant Check it out Get to know Vibrant HQ The majority of our team works at our corporate headquarters in Moline. Even branch and remote employees can expect to spend a few days here each year for training and team building. ​ In keeping with our commitment to community revitalization, we transformed a former big-box outlet into a state-of-the-art workspace with plenty of room to keep growing. Vibrant HQ is also the place where we launch new technologies and initiatives, from our first fully digital branch to our inaugural Vibrant Coffeehouse & Kitchen. All the usual benefits, without the usual lengthy waiting period before they kick in The expected Medical, dental, & vision insurance 401(k) match (up to 6% of your salary) Paid time off The unexpected Some things you might expect from a credit union, plus a few you wouldn't Flexible schedules & locations for most positions Business casual dress code Work in our new state-of-the-art corporate headquarters, conveniently located beside Vibrant Coffeehouse and Kitchen Learn more Because there's so much more to you than the hours you spend at work The extraordinary NEW! Premium subscription to Calm app for employees and their families Leadership development courses Education reimbursement Paid time off for volunteering Our employees get great benefits Who we are defines how we work. Our core values aren't a bunch of empty words posted on a conference room wall. They're the principles that we live by—guiding every choice we make and every interaction we have with our members, colleagues, and partners. We take them seriously—so seriously, in fact, that we ask prospective employees about them in job interviews. Learn more FAQ I've submitted an application. What next? Check your inbox for an email confirmation that your application has been received. We’ll get back to you within 5–10 business days with an update on your application status. Are there many opportunities to grow? Yes! As employees become more familiar with our operations, it’s not unusual for them to move into different roles and different departments. We also offer specialized training for employees who want to become leaders and for leaders who want to become exceptional. How long will I have to wait to become eligible for benefits? Health coverage kicks in on the first of the month following your hire date. You’ll also start earning PTO hours, but you won’t be able to use them until you’ve been here for 90 days. If you choose to contribute to a 401(k) plan, your plan will become active on the first day of the second full month following your hire date. (So if you started on July 5, your health benefits begin on August 1, and your 401(k) plan on September 1.) Will I be eligible for vacation/PTO hours during my first year of full-time employment? Yes, but your total number of PTO hours will be pro-rated depending on your start date. On January 1 following your hire date, you’ll be able to draw upon a full 15 days of PTO. FAQ

  • Become a Member | Vibrant Credit Union

    Get the card that comes with your favorite perk Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Become a member Add a Title Become a member Save 20% on your Vibrant Coffeehouse and Kitchen order when you pay with your Vibrant debit or credit card. Get the card that comes with your favorite perk Pick a card, any card Rates as low as ​ 9.900% To apply, call 1-800-323-5109 or stop by Vibrant HQ. Vibrant Credit Mastercard We'll never charge you monthly maintenance fees on your checking account. Vibrant Debit Mastercard We'll never charge you monthly maintenance fees on your checking account. Open an account > FAQ Do I need to be a Vibrant member to get a card? Yes, but it's easy to join Vibrant. Open a savings account with just $5! Can I use my discount to buy Vibrant apparel or gift items? The current offer is limited to food and beverage items, but stay tuned! We’ll keep you updated about future promotions. FAQ

  • Your New Credit Solution | Vibrant Credit Union

    Enroll in online banking Elevate your Vibrant dashboard with a one-stop-shop for staying in the know with your credit. If you haven't already... Your new credit solution How do I sign up? Download the Vibrant app in the App Store or Google Play and sign in. Find and click More then Credit Score . Tap Launch , then read and accept the terms of use. You're in! Now it's time to explore your custom dashboard. On your phone or tablet Click here to login to your Vibrant account. Read and accept the terms of use. You're ready to go! On your computer FAQ How do I enroll in online banking? Ready to go? No need to wait for us. Click here to get started. Does this feature cost anything? No! It's 100%, free. Will checking my score affect my credit? You can check your credit score on our dashboard whenever, wherever, and it won't affect your score. What credit score model does this use? It uses your Vantage 3.0 credit score! What should I do if I see something incorrect on my credit report? At the bottom of your credit report screen, you will see a section titled See any errors. The button below it will allow you to submit a report directly to TransUnion for the fastest possible solution. FAQ

  • Escrow Analysis | Vibrant Credit Union

    Understanding your escrow analysis Join one of our Vibrant mortgage service specialists as she walks you through the typical escrow analysis statement and answers some of your most pressing questions about why your monthly payment may be changing. Note, if you pay prior to January 1, 2024, your online account may not reflect your updated 2024 payment amount. Please call first to verify your updated payment amount. The basics What is an escrow account? An escrow account is a special holding account we use to pay your property taxes and homeowners insurance premiums. We manage this account for you so that you only need to make one monthly payment and don’t have to worry about multiple payment due dates. The amount of money that goes into your escrow account is based on our best estimate of what your insurance and property tax expenses will be in the coming year. What is an escrow analysis? he amount of money that goes into your escrow account reflects our best estimate of your property tax and homeowners insurance premiums for the coming year. Because these expenses can fluctuate over time (based on your home’s changing market value and other factors), it’s rare that the amount set aside for your escrow account exactly matches what is paid out. Every fall, we analyze your account to see whether we’ve set aside more money than you need (an overage) or not enough (a shortage). We also take a look at your latest insurance premiums and property tax bills so that we can adjust your payments for next year to reflect any changes. What happens if there's not enough money in my escrow account to pay my taxes and insurance? If your account has a shortage, your taxes and premiums will still be paid—but you will need to pay the difference back to us. There are two ways to do this: We can either increase your mortgage payments next year to cover that amount, or you can submit a payment for the entire sum before noon on Saturday, December 30, 2023. What happens if there's MORE money in my escrow account than was needed? If your account has an overage of less than $50, we’ll carry the remainder over to next year to provide a cushion for any potential shortages. If your account has an over of $50 or more, you will receive a check for the surplus amount that you can spend as you see fit. Can I choose not to escrow my insurance plemiums and property taxes? In some cases, you can. Contact us and we’ll determine if that is an option for you. I have more questions. How do I reach an escrow specialist? You can email us directly or call 1-800-323-5109. Monthly payments When does my new monthly payment go into effect? January 1, 2024. If you typically make your January payment prior to the first of the month, please make sure to adjust that payment to reflect the new payment amount and avoid any late fees. IMPORTANT: Your online account will not reflect the updated amount due until January 1, 2024. This is so that we can make adjustments for members who choose to pay all or part of their escrow shortages up until December 30, 2023. Why is my monthly mortgage payment going up? While the principal and interest on your mortgage payment haven’t changed, your property taxes and/or homeowners insurance premiums have increased since your last escrow analysis. We therefore have to set aside a larger amount of money each month to cover these increases. How do I update my automatic payment? You need to complete and submit an escrow change form to us by noon on December 30, 2023. If you pay your mortgage through a non-Vibrant account, you will need to provide your account number. If you pay extra toward your principal balance or would like to start, make sure to note the payment amount on your form. My mortgage payment has increased by more than my taxes and/or insurance premiums have. Why? That indicates that your escrow account had a shortage in 2023 (your estimated escrow contributions were smaller than your actual taxes and/or premiums). In addition to increasing your payment to accommodate those higher charges, you also need to make up the amount of the shortage. If you prefer, you can pay some or all of the shortage amount by noon on December 30, 2023, and decrease your payments for next year. Why is my monthly morgage payment going down? While the amount of principal and interest you pay toward your mortgage hasn’t changed, either your property tax assessment or homeowners’ insurance premiums have declined since last year. Enjoy the savings! If I pay into the escrow now, can I avoid my payment going up at all? No, the payments will always be based at minimum of what your taxes and insurance are. Since those typically increase annually, paying the shortage does not mean the monthly amounts won't increase for next year. Escrow shortages Can I pay my shortage up front? How long do I have to make the payment before it affects my payment? Yes, you can pay all or a portion of your shortage. This must be done by noon on Saturday, December 30, 2023. How do I pay my shortage? You can make your payment through our online banking platform. After logging in, you will see your home loan appear on the main dashboard screen. Click on your home loan to expand this area. Select "Pay Now." In the bulleted options, you will see an "Escrow Only" option. Enter the appropriate amount here. Finish your transaction by selecting "Submit Transfer." Upon payment, please contact us to have your 2024 payments updated accordingly. Escrow overages When will I receive a refund of my escrow overage? Your check will arrive within two weeks after you receive your escrow analysis letter. Will I receive a check, or will it be deposited into my account? You will receive a check in the mail. I had an overage, but I didn't receive a check. Why not? If your overage amount was less than $50, it remains on deposit in your escrow account to provide a cushion for any potential shortages in 2024. It's that time of year—your annual escrow analysis shows what your monthly mortgage payment will be in 2024. Get answers to your escrow questions

  • Paycheck Protection Program (PPP) | Vibrant Credit Union

    Find support in unprecedented times Vibrant is proud to work with you on your PPP loan. frequently asked questions Is funding still available through the Paycheck Protection Program? The Small Business Administration ended the Paycheck Protection Program on May 31, 2021. See other programs that offer relief for businesses affected by the COVID-19 pandemic. My business received a PPP loan. How do I apply for loan forgiveness? Choose the application form from the list below that best describes your situation. PPP Forgiveness Application – $50,000 and Below PPP Forgiveness Application EZ-Version (loans of $150,000 and below) PPP Forgiveness Application Regular-Version The Small Business Administration has assembled an FAQ for PPP borrowers about requirements for loan forgiveness. Where can I find the most up-to-date guidance about PPP deadlines and requirements? The Small Business Administration is administering the PPP loan program. Visit its website for more information. I have more questions about my PPP loan. Who do I contact? Contact Northpoint Commercial Credit, our commercial lending partner for PPP loans, at closing@northpointcredit.com. FAQ Find support in unprecedented times Vibrant is proud to work with you on your PPP loan.

  • Is a Certificate of Deposit (CD) right for you?

    Is a Certificate of Deposit (CD) right for you? With interest rates high, now is a great time to consider adding a CD to your financial portfolio. You shouldn’t expect to become fabulously wealthy by opening a Certificate of Deposit (CD). But if you’re looking for a safe place to earn a guaranteed return on your savings, right now is a great time to consider adding a CD to your financial portfolio. With interest rates rising, many CDs are paying the highest rates consumers have seen in more than 20 years. How is a CD different from an ordinary savings account? In simple terms, a Certificate of Deposit is a type of savings account—one that pays higher interest on your balance in exchange for your promise not to withdraw any funds for a set period of time, which at Vibrant can range from 3 months to 5 years. Right now, if you deposit $5,000 in the average savings account, you can expect to earn about $30 in interest after 13 months, provided you don’t make a withdrawal. But if you put that $5,000 in Vibrant’s 13-month CD , currently paying 5.00% APY (that stands for "Annual Percentage Yield"), you’ll earn about $270 in interest over the same period, provided you don’t withdraw the funds before the certificate’s maturity date. Further, so long as your deposit balance doesn’t exceed NCUA insurance limits ($250,000 in total deposits per account holder at a single credit union), those returns are guaranteed so long as you don’t need to withdraw your cash early—and it never hurts to have an extra level of assurance considering recent volatility in the banking sector . Talk to us if you’re interested in depositing more than $250,000 for cost-free strategies for maximizing your deposit insurance coverage. The kinds of people who should consider investing in a CD If your current financial goals fall into any of the following categories, a CD might be the right solution for you. You’re saving for a short-term goal If you’ve been setting aside money for a down payment on a home, a new car or boat, a dream vacation, or a wedding, then putting your savings in a CD is a good way to grow your nest egg faster without committing to a long-term investment. You want to jump-start your retirement savings Even if retirement is a long way off, you can invest in an IRA CD at any age—and, right now, potentially earn a better rate of return than you would through your 401(k). With an IRA CD, your investment itself is tax-deductible (similar to the way that 401(k) contributions are made with pre-tax dollars). And, unlike a conventional CD, an IRA CD enables you to put off paying taxes on the interest income you earn until it’s time to make a withdrawal from your retirement plan. You can even roll over your IRA into a different retirement savings plan without tax penalties once your 401(k) starts earning more. You want to protect your cash against inflation When inflation is high, the value of your savings decreases. Putting your savings into a CD can help protect your money by locking in a fixed interest rate until the economy improves. You want a safe and secure place to park your savings CDs are a low-risk way to grow your money. The interest rate is fixed, so you know exactly how much money you will earn. Further, Vibrant CDs are insured by the NCUA, which means your money is protected up to $250,000 per account holder (and you can talk with a banker about strategies to maximize your NCUA coverage if you want to invest more). You want a great rate but don’t have a lot of money to invest While many financial institutions require a minimum deposit amount in the four figures to get their best CD rates, all of Vibrant’s CDs are available with a minimum $5 deposit. The bottom line Before you put your savings in a CD, think carefully about when you will need to access the money you’re setting aside. All financial institutions charge some kind of early withdrawal penalty if you need to close a CD before it reaches maturity—up to and including giving up all the interest you’ve earned to date. Once you decide how long you can afford to set aside your savings, compare your options to find the term and interest rate that work best for you. See Vibrant’s current CD rates, then reach out to one of our personal bankers for help opening an account or open an account online . Disclosures Before you open a Certificate of Deposit, be aware that there may be penalties imposed if you withdraw your money before the end of the term. Unless you specify otherwise, Vibrant's certificates will automatically renew at the end of the term—the 13-month CD automatically renews into a 12-month CD at maturity. Vibrant will contact you before your CD reaches maturity to help you choose not to renew or if you'd prefer to renew for a different term. All Vibrant CDs are federally insured by NCUA. Next Item Previous Item

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