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  • Disclosures | Vibrant Credit Union

    Disclosures Members Member Service Agreement Rates and Service Charges (updated 02.07.2024) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice ​ Business Members Business Service Agreement Business Rates & Service Charges (updated 12.01.2023) Master ACH Agreement for Businesses Other IDFPR – Notice Regarding the Community Reinvestment Notice Security and Refund Policy

  • Get a Quote | Vibrant Credit Union

    *No obligation quote. Vibrant Credit Union’s Property and Casualty Insurance Program is made available through Your Insurance Services LLC (DBA Vibrant Insurance and Investment Services LLC) and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured by the NCUA. This coverage is not sold or guaranteed by Vibrant Credit Union. Investment risk involved, including possible loss of value. First name* Last name* Email* Phone Number Estimated mileage Submit We’ll review policies from 20 leading insurance companies to find the one that’s right for you. Start your free, no-obligation quote

  • Contact an Advisor | Vibrant Credit Union

    Start planning your future Schedule a conversation with our CFS financial advisor.

  • Business Checking | Vibrant Credit Union

    Become a member No monthly maintenance fees. No transaction limits. No surprises. Keep more of your nickels and dimes Why choose Vibrant for business checking Open an account No monthly maintenance fees No minimum balance requirements or transaction limits Free online/mobile banking Keep more of your nickels and dimes No monthly maintenance fees. No transaction limits. No surprises. Become a member FREE Online and mobile banking Balance under $25,000 When you’re just starting out or working a side gig, but want a better way to track revenue and expenses No monthly maintenance fees No minimum balance requirement No fees or limits on transactions or deposits Current Rate Earn 0.15% APY* Balance between $25,000-$99,999 When you want to earn interest on your balance without the restrictions of a savings account No monthly maintenance fees No minimum balance requirement No fees or limits on transactions or deposits Free online/mobile banking Current Rate Earn 0.25% APY* Balance of $100,000+ When you want the earning potential of a money market without restrictions on monthly transactions No monthly maintenance fees No limits on withdrawals or transfers No fees or limits on deposits Free online/mobile banking Open a business checking account Choose a business account that can grow with you frequently asked questions Do you work with businesses outside Iowa and Illinois? Yes! Apply online to to begin the account opening process. Our business accounts include 24/7 mobile and online banking, including online bill pay and mobile deposits, either through our website or the Vibrant Business app (available for both Apple and Android devices). You also have access to more than 55,000 fee-free ATMs around the country. Is there a limit on the number of items I deposit or transactions each month? No—Vibrant will never charge additional fees based on how often you use our services. What happens to my interest rate if my balance falls below the required amount? Vibrant business checking is designed for maximum flexibility. Your interest is calculated based on your average daily balance and paid out monthly. I’m just starting out/only working part-time. Do I really need to open a separate business account? If you’re the sole proprietor of your business (rather than setting your business up as a separate legal entity), you’re not required to maintain separate business and personal accounts—but it’s a good idea to do so. Opening a dedicated business account makes it easier to keep track of your finances for tax purposes. It also enables you to accept more forms of payment, including services like PayPal, ACH bank transfers, paper checks, credit cards, or electronic funds transfer FAQ

  • We Are Vibrant| Vibrant Credit Union

    Read the latest news Have we met? We're Vibrant. Get to know us We started with a bright idea Add a Title Read the latest news Have we met? We're Vibrant. Get to know us The year was 1935, the height of the Great Depression, and eight John Deere Harvester Works employees came up with a better way for ordinary people to borrow money. Like many Americans of that era, they didn’t trust big banks. But they did trust each other. So they each decided to contribute five bucks into a pool. Any of them could ask to borrow from that pool as needed—and pay it back at a lower rate than any bank would ever offer. That was the start of the Deere Harvester Credit Union, the financial institution known today as Vibrant. Those eight original members have grown to more than 50,000, and that $40 into more than $1 billion in assets. But our fundamental approach to business hasn’t changed. We still value people over profits. We still believe everyone deserves the chance to achieve their dreams. And we never stop looking for better ways to help our members to do the things they want to do. It still only takes $5 to become a Vibrant member. Bank with us Open an account People matter to us—our employees as much as our members. We offer great benefits, opportunities to grow and advance in your career, and a work environment that’ll make you excited to wake up in the morning. Work with us See current openings We’re grateful to our members and the communities we serve, and we welcome opportunities to give back. Talk to us about charitable donations, sponsorships, and other ways we can work together. Partner with us Share your idea Let's get down to business Let's get down to business Bank with us Open a Vibrant account with a $5 deposit and enjoy the benefits of banking with a national rates leader. Open an account Work with us We offer great benefits, opportunities to grow, and a work environment that’ll make you excited to wake up in the morning. See current openings Partner with us We welcome opportunities to give back. Talk to us about charitable donations, sponsorships, and other ways we can work together. Share your idea

  • Connect With Luminate Home Loans | Vibrant Credit Union

    There's no place like your own home After you submit your email address, you'll leave vibrantcreditunion.org and be redirected to Luminate Home Loans. Interested in getting started? Enter your email address below. Make sure to submit the application on the next page—once you do, a Luminate mortgage professional will connect with you! Email address* Get started

  • Employee Benefits | Vibrant Credit Union

    Apply now Not just because you'll love what you do, but also because the new Vibrant HQ has everything from a full-sized basketball court to an employees-only bar. Looking forward to going to work Add a Title Apply now Not just because you'll love what you do, but also because the new Vibrant HQ has everything from a full-sized basketball court to an employees-only bar. Look forward to going to work Get 8 hours a year to contribute to the organization of your choice. Participate in a neighborhood clean-up, help out at a community event, volunteer at a shelter. Paid time off for volunteering Every year we offer two different courses to help our employees collaborate better, prove themselves with special projects, and take their leadership skills to the next level. Leadership development Finishing up your degree? Or looking for additional training to take your performance to the next level? We’ll reimburse up to $10,000 of the cost of qualified courses. Education reimbursement Go out and make a difference Get affordable Blue Cross Blue Shield coverage for yourself, your spouse, and your family. PPO plan with low physician co-pays, savings on prescriptions, and a lower deductible HSA plan with lower monthly premium that enables you to pay out-of-pocket health costs using tax-free contributions to your health savings account Medical Save big on preventive care, major services, even orthodontics for the kids. PPO plan allows you to choose your own dentist Cover your whole family for less than $20 a month Dental Get low-cost annual vision exams plus great savings on lenses, frames, and contact lenses. Includes laser vision correction through a network of providers Cover your whole family for less than $4 a month Vision Keep yourself and your family healthy Automatically contribute to your plan each pay check, up to the IRS maximum limit. Choose between traditional (pre-tax contributions) and Roth (after-tax contributions, with no taxes when you withdraw) options Create a custom portfolio from a range of leading mutual funds from top investment firms Vibrant will match your 401(k) contribution dollar for dollar, up to 6% of your salary 401(k) retirement plan Apply now All eligible employees receive group life insurance coverage for themselves and their eligible dependents at no additional cost. Employee: Benefit pays twice your annual salary, up to $350,000 Spouse: $10,000 benefit Children: $5,000 benefit Basic life/AD&D insurance You can also purchase additional life insurance, based on your age and the amount of coverage you want, for yourself and your family Employee: Up to $500,000 (in increments of $10,000 only) Spouse: 50% of employee coverage, up to a maximum of $150,000 Children: $1,000 - $10,000 (in increments of $1,000) Supplemental life insurance Prepare for a secure financial future

  • How to Update Your Password | Vibrant Credit Union

    Protect your account with a stronger and more reliable password. With more characters in place, you'll be on your way to a more secure experience. How to update your password How to detect potential scams Before you go to the trouble of resetting your password, a reminder about your current password. It must contain: At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) Didn’t help? Okay, time to reset your password . Read and accept the disclosure. On the next screen, choose the “Reset my password” option. To verify your identity, you will need to provide your user name , Social Security number, and date of birth. Choose whether you want to have the password reset link sent to your email or texted to you via SMS. Enter the six-digit verification code. You will be prompted to enter a new password. Your new password must: Your password must include: At least 10 characters At least 1 lowercase letter At least 1 uppercase letter At least 1 number At least 1 special character (!@"#$%&+;<=>?[]{}-_) Frequently asked questions 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 if 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 two-factor authentication (2FA) 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.) FAQ

  • revolution

    Return to Home Page >> You really can earn 4.50% APY* on your savings balance up to $15,000, plus 1.0% APY* on your balance above that amount. A team member will contact you as soon as possible to answer your questions and help you get started. What are you waiting for? Start earning!

  • Lock in our best CD rate now | Vibrant Credit Union

    Get a great rate now (and a better one later) Our 40-month Certificate of Deposit now earns 1.90% APY*, with the option to bump your rate if it rises higher later. Organization Name* Name* Title* Phone number* Email* Response Needed By:* What type of support are you looking for?* Community Event Sponsorship Team Sponsorship Golf Outing Sponsorship Scholarship Donation General Donation Other What amount are you requestions?* Who should the donation check be made out to?* Event Name* Event Location* Event Date* Event Website* Is there an opportunity for Vibrant to participate at this event?* Are you a current member of Vibrant?* Yes No Is there a member of Vibrant that is highly involved with this cause/event?* Yes No Unsure How many people typically attend this event? Or will be impacted by this request?* Have we sponsored this event/request before? Yes No Unsure Please highlight any advertising/publicity that Vibrant will receive with this opportunity. If you'd like to share any promotional material, please attach it here. Upload File Job Title* Contact Title Submit * “APY” = “Annual Percentage Yield.” A minimum deposit of $5 is required. Early withdrawal before the end of the 8-month term will result in the forfeiture of all interest earned to date. The 8-Month Certificate of Deposit will automatically roll into a 12-month Certificate of Deposit at the end of the term unless otherwise specified. $5 Membership Savings deposit required to open a Certificate of Deposit account if you are not currently a Vibrant member. Member NCUA. If you’ve been hesitant to invest in a Certificate of Deposit because you think rates will keep rising, our 40-month CD enables you to bump your certificate to a higher rate once during your certificate term. Submit the form below to get help opening a CD account today. Open a 40-month Certificate of Deposit Add a Title Our 40-month Certificate of Deposit now earns 1.90% APY*, with the option to bump your rate if it rises higher later. Get a great rate now (and a better one later) FAQ Is there a minimum balance required to open an account? No, there’s not a minimum balance required to get a CD (although you do need a minimum $5 balance in a membership savings account to open a CD with us). However, you will not be able to deposit additional money to your CD account after you open it. How is interest calculated? Your interest earnings are calculated and added to your account on a quarterly basis. Is there an early withdrawal penalty? Unfortunately, if you withdraw your funds before 40 months, you will forfeit all interest earned to that point. Can I roll over my current Vibrant CD? If you have a Vibrant Certificate of Deposit that is about to mature, contact us for assistance rolling it over. Does the 40-month Certificate of Deposit automatically renew? We’ll contact you when your CD is about to mature to discuss your options. Unless you specify otherwise, the 40-month CD will automatically renew as a 36-month CD with an interest rate to be determined by current rates at the rollover date. FAQ

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