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  • 4 tips for better money management

    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 stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Want to be more financially savvy? These tips will help you skillfully manage your money Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Create an inflation-proof budget Rising prices can make it feel impossible to create a budget that allows you to enjoy life and still build your savings. But it is possible. Here's how to get started. Review your expenses. The first step to creating a budget is to review your bills and expenses. This is a great way to track where your money goes each month. Are you spending too much on dining out? Could you get a better deal if you switch cell phone providers? Are you paying for music and video streaming services that you don’t use anymore? Reviewing expenses gives you a better understanding of how your money is being spent and how you can modify your choices to live a more financially successful life. Increase your income. Take a look at your current salary and compare it to other people in similar roles (Glassdoor's salary index is a great place to start). Is it in line with industry averages for your role? If not, consider negotiating a higher salary with your current employer. Another option is to move to a different company. Protocol reports professionals who job-hopped in the past few years “received a 30% increase in salary.”If increasing your salary isn’t possible now, there are other ways to grow your checking account balance. Many individuals are starting side-hustles to supplement their income. If you have many years of experience in an industry, you can offer consulting or training services. If you have musical talent, you can perform at gigs or give music lessons. And, if you’re on social media all the time, consider that social media management and blogging are considered some of the most profitable side jobs. Expand your professional skills. Learning new skills can open up new job opportunities—and access to industries where you may not have experience. Start saving In addition to modifying your budget and increasing your income, saving money is a vital part of money management. Set aside a fixed amount to deposit into your savings account each month. It doesn’t have to be a large amount—you can start with 5 percent and increase that amount as your earnings increase. What’s important is to make savings a habit. Consider setting up an automatic transfer to savings every time you get paid. Invest for the future Investing can sound scary, but it doesn’t have to be. Investing is simply making your money work for you instead of having it sit in your bank account. Even if you’re not ready to invest in the stock market, putting your money in a high-yield savings account or a certificate of deposit can produce profitable results. If you’re not sure how or where to start investing your money, talk to a financial adviser for help evaluating your various investment choices. Review your retirement options Planning ahead for your golden years ensures your retirement will be enjoyable and relatively stress-free. If your employer offers a retirement plan like a 401(k), it’s a great idea to start investing in it as soon as you can, especially if they offer a matching contribution. If you don’t have access to an employer plan, or if you want to save more than your employer’s plan allows, you have two options for opening an individual retirement account (IRA). Traditional Individual Retirement Account (IRA) A traditional individual retirement account is funded with pre-tax money. This means you have the benefit of getting a tax deduction on your contribution. Be aware: This means you may owe taxes on the money when you withdraw it. You will also not be able to withdraw funds until you reach the age of 59½. Expect your retirement savings needs to change over time, especially if you change employers. Investopedia notes, “Rolling your money over into an IRA will often reduce the management and administrative fees you've been paying.” Your financial advisor can counsel you on the best course of action to take for your retirement funds. Sign up for Vibrant Credit Union’s personal banking services Transforming into a financially savvy superstar is easy when you take advantage of Vibrant’s personal banking services. Our friendly and knowledgeable team makes banking services easy to understand so you can achieve your financial goals. Contact us to discuss all that we can help you achieve. FAQs Q: What do I need to open a Vibrant checking or savings account? A: To open an account, you’ll need to provide the following: Full name Address Social Security Number Valid, government-issued photo ID: driver’s license, passport or military ID. Minimum deposit of $5 to activate your account. Every Vibrant member must open a membership savings account with a minimum $5 deposit before they can take advantage of other products and services. Q: How much money should I keep in my checking account? A: We recommend keeping 1–2 months of living expenses in your checking account. Q: How do I open an IRA? A: Schedule an appointment with a Vibrant personal banker to review your goals. They'll set up your account and help you choose a portfolio that's the right fit. Next Item Previous Item

  • 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

  • Vibrant Coffeehouse + Kitchen – Pleasant Valley

    Services Drive-thru closed Deposit-taking ATM Branch lobby open ITM teller on duty Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-5:00pm Sat 8:30am-12:00pm Sun Closed Lobby Hours Drive-thru hours Get directions (800) 323-5109 3230 Ridge Pointe Bettendorf, IA 52722 United States Vibrant Coffeehouse + Kitchen – Pleasant Valley FAQ

  • Investments | Vibrant Credit Union

    Plan your financial future with an expert Be ready for anything with the help of our investment advisors. Contact an advisor We're talking serious green Get the CD that's here for a good time, not a long time. First, we’ll talk—about your life, what you want to accomplish, and how long it will take to get there. If we can help, we’ll keep talking. If we’re not the right fit for your needs, we’ll recommend other options that will work better for you. Next, we’ll put together a custom portfolio that reflects your timeline, tolerance for risk, and other priorities. We’ll continue to meet with you regularly to review your portfolio’s performance, talk about your current needs, and ensure your investments continue to align with your objectives. How we work with you Wealth preservation Stable growth Aggressive growth Aggressive growth Investments to consider Individual stocks & bonds Mutual funds built with the goal of aggressive growth Investments in overseas markets and companies Risk tolerance Moderate to high Talk with an advisor Stable growth Investments to consider Mix of moderate and aggressive growth-oriented mutual funds High-income bonds Risk tolerance Moderate Explore your options Wealth preservation Investments to consider Bonds Fixed annuities Treasury bills Risk tolerance Low Get in touch How can we help you? Calculate your savings Planning for retirement? We can help you choose the best IRA for your situation. You can contribute up to $6,500 a year ($7,500 if you're older than 50). Traditional IRA No penalty on withdrawals once you reach the age of 59½ Funds can be held in a savings account or a certificate of deposit Required minimum distributions after age 72 FAQ Do I need to be a Vibrant member to get financial and investing advice? Not necessarily—though many of our investment clients enjoy the convenience of having all of their accounts with a single institution. We work with clients across the United States; talk to us to see if we’re a good fit for you. How do you charge for your advising services? Because there’s no single investment model for all our clients, what you pay ultimately depends on the mix of products and services you choose. Our focus, however, isn’t generating sales. It’s building a relationship where you feel confident you’re getting advice you can trust, whether that’s buying, selling, or staying the course. I have multiple retirement accounts from previous employers. What are my options? This is an increasingly common scenario for people a decade or more into their careers. We can not only help you consolidate your savings and make it work harder, but also enable you to keep contributing to your retirement savings. Can you help with my estate planning? Yes! Ultimately, the most successful investment strategy not only ensures you don’t run out of money during your lifetime but makes sure what you leave behind has the greatest impact. FAQ

  • Making Money Is Boring Again | Vibrant Credit Union

    Make making money boring again No meme stocks. No crypto. Just checking and savings accounts where you can earn up to 4.50% APY* on your balance. Open an account online Earn more than 7X as much interest on your balances Preferred Savings Earn 4.50% APY on balances up to $15,000—with no minimum balance requirement. No monthly service fees Unlimited transfers and withdrawals Earn monthly dividends on your average daily balance Get Preferred Savings Premier Savings If your savings balance falls between $25,000 and $100,000, you can earn a higher interest rate without getting locked in. No monthly service fees Unlimited transfers and withdrawals Earn monthly dividends on your average daily balance Get Premier Savings Elite Savings If you maintain a savings balance of $100,000 or more, you can earn rates comparable to a CD without restrictions on withdrawals. No monthly fees No minimum balance requirements Unlimited transfers and withdrawals No penalties if you want to withdraw cash Earn monthly dividends based on your average daily balance Talk to us for strategies for insure your deposit above $250,000 Get Elite Savings Premier Checking Earn 4.00% APY on balances up to $25,000—with no hoops to jump through to qualify. No monthly fees No minimum balance requirement No direct deposit or debit card transactions required Get paid out monthly Get Premier Checking I'm ready to be bored! Don't forget to read the most boring part. “APY” stands for “annual percentage yield,” the real rate of return earned on an investment, taking into account the effect of compounding interest. These APYs are accurate as of May 13, 2024. Rates are subject to change without notice. Premier Checking is a tiered account, with different dividend rates based on your total balance. For balances up to $24,999.99, account holders earn 4.00% APY. For the portion of their balance of $25,000 and up, account holders earn 1.50% APY. Limit of one Premier Checking account per member. Preferred Savings is also a tiered account. For balances up to $14,999.99, account holders earn 4.50% APY. For the portion of their balance of $15,000 and up, account holders earn 1.50% APY. Limit of one Preferred Savings account per member. Premier Savings and Elite Savings are also tiered accounts, but if the account holder’s balance within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. To open a Premier Checking, Preferred Savings, Premier Savings, or Elite Savings account with Vibrant, you will need to open a $5 membership share account if you do not already have one. These accounts are all federally insured by NCUA.

  • Employee Benefits | Vibrant Credit Union

    Apply now Not just because you'll love what you do, but also because the new Vibrant HQ is a great place to spend the day. 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 is a great place to spend the day. 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

  • Vibrant HQ | Vibrant Credit Union

    Get directions Visit a branch, enjoy a quick meal at Vibrant Coffeehouse and Kitchen, or get expert assistance from our team. Welcome to Vibrant HQ Add a Title Get directions Visit a branch, enjoy a quick meal at Vibrant Coffeehouse and Kitchen, or get expert assistance from our team. Welcome to Vibrant HQ Check out our vibrantLive ITMs, where you can speak face-to-face with a teller, or stop by a vibrantLive room for help opening a new account, applying for a loan, or getting assistance with your existing account. Banking Enjoy house-roasted coffees and handcrafted foods in a relaxed, welcoming setting. Open to the public. Vibrant Coffeehouse & Kitchen It’s where to go for job interviews, loan closings, and other business. Despite the fact that dozens of us share an open-plan office, it’s surprisingly quiet! Corporate offices If you work here, we want you to feel at home. Take time from your day to work out, enjoy lunch with friends, or hang out after hours in the employees-only bar. A Great Place to Work One-stop shopping for everything Vibrant Behind the Pinwheel Our new all-digital branch at Vibrant HQ is the first to feature vibrantLive interactive teller machines (ITMs). What makes them different? You can do much more than getting cash or making deposits—including making a loan payment, transferring funds, or communicating face-to-face with a Vibrant teller. You don't need to fill out deposit slips or payment coupons. When you make a deposit, you'll get an image of the check printed on your receipt. Meet our vibrantLive ITMs Working at Vibrant HQ Get a sneak peek inside our workspaces! Here are a few highlights. Three types of workspace—offices, pods, and cubicles Adjustable-height desks with laptop docking stations and dual monitors Locking personal storage cupboards State-of-the-art conference rooms for videoconferences, presentations, and training Casual, comfy seating throughout the building-bring your laptop! Scooters you can ride to meetings throughout the building (just remember to ding the bell as you're rounding corners) FAQ How do I get to Vibrant HQ? Vibrant HQ is located at 6600 44th Avenue in Moline, Illinois. Credit Union visitors should use the front entrance, under the giant pinwheel! Get driving directions. What hours is Vibrant HQ open? Business hours are 8:30 a.m. to 5 p.m. CT Monday through Friday. Vibrant Coffeehouse and Kitchen is open on the weekends! Tell me more about the Coffeehouse! Find us at the front of Vibrant HQ (look for the folding glass doors!). We offer a full menu of house-roasted coffee and espresso, signature energy drinks, plus all-day breakfast and sandwiches, salads, and soups. See our complete menu . FAQ

  • Privacy Policy | Vibrant Credit Union

    Our Privacy Notice Vibrant Credit Union | P.O. Box 1550, Moline, IL, 61266-1550 | 800-323-5109 Revised August 2022 To opt out, click here . Read our full privacy notice (PDF).

  • Business Checking | Vibrant Credit Union

    Become a member No monthly maintenance fees. No transaction limits. No surprises. Keep more of your nickels and dimes Get a checking account built for the way you do business Business Checking Get everything you need in a business checking account, including mobile deposit, online bill pay, and a debit card. No monthly service fees No minimum balance requirement No fees or limits on transactions or deposits Monthly dividends on balances of $25,000+ Features Free online banking, including mobile deposit and Bill Pay Community Checking Small and mid-sized businesses can now earn a great yield on their checking balance. No monthly service fees No minimum balance requirement No fees or limits on transactions or deposits Free online banking including mobile deposit and Bill Pay Featured rate Earn up to 3.00% APY* on your balance Association Checking Get a flexible spending account for your nonprofit or not-for-profit organization that's as easy to manage as it is affordable. ​ No monthly service fees No minimum balance requirement No fees or limits on transactions or deposits Free online banking including mobile deposit and Bill Pay Features We offer special benefits for our community partners. Talk to your relationship manager! Open a checking account for your organization Current Rates Business Checking Average Daily Balance APY* $0 - $24,999 0.00% $25,000 - $99,999 0.15% $100,000 + 0.25% APY = “Annual Percentage Yield.” APYs accurate as of June 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Community Checking Average Daily Balance APY* $0 to $49,999.99 3.00% $50,000+ 1.00% APY = “Annual Percentage Yield.” APYs accurate as of June 10, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. 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 Frequently asked questions

  • News & Blog | Vibrant Credit Union

    Vibrant Coffeehouse + Kitchen opens Bettendorf location Vibrant Coffeehouse + Kitchen is located inside the previous 5,000-square-foot Vibrant Credit Union building at 3230 Ridge Point, according to a spokesperson for Vibrant. The coffeehouse and kitchen will feature a wide variety of beverages from house-roasted espressos and refreshing hand-mixed energy drinks to hot and iced teas, chai, and smoothies. Read more at KWQC.com > Vibrant CTO Pete Nohelty joins Metal Blockchain Advisory Council His appointment brings unparalleled expertise in tailoring blockchain solutions for credit unions, focusing on critical areas such as digital payments, stablecoins, digital identity, and private subnets, thereby amplifying Metal Blockchain's value for financial institutions. Read more at Metal Blockchain > Meet the new Vibrant: The best place to move your money In fall 2023, with interest rates at their highest since the early 2000s, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. 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 > Vibrant cooks up new business with Moline coffeehouse and kitchen The 87-year-old, Moline-based institution is brewing up new business, with the stylish, rustic Vibrant Coffeehouse and Kitchen, now open next to the Vibrant headquarters at 6600 44th Ave., Moline. Visit OurQuadCities.com > ​ Vibrant shows off more images of updated arena Moline-based Vibrant Credit Union shared some additional images that were introduced at Thursday’s announcement of the renaming of the TaxSlayer Center to Vibrant Arena at The MARK effective Sept. 1. Visit OurQuadCities.com > All-Staff Meeting This summer, Vibrant begins construction at its Bettendorf branch to create something new—a convenient place to do your banking that is also a full-service restaurant. Get the lowdown > Investing in and developing people leaders at Vibrant In Gallup's Called to Coach webcast, Jon Sexton (senior vice president of culture and leadership development), VP of corporate services Jennie Powless, retail sales director Lola Williams, and branch manager Jane Evans talk about Vibrant's leadership development training and how it's helped them grow in their careers. Listen at Gallup.com > Introducing Vibrant Arena at The Mark As of September 1, 2022, Vibrant becomes the first local company to hold naming rights to the Quad Cities' top destination for sports and entertainment. Read more > 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.” Visit Quad Cities Business > Quad-City Times: Art creates good vibes A Quad Cities artist is creating custom murals at Vibrant branches across the region. Read more > CU Times: Vibrant PPP loan lending supports businesses The credit union originated more than $200 million in PPP loans for companies across the United States. Visit CUTimes.com > News Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant isdevoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Read more > Will a checking account affect your credit score? Opening a checking account is a big deal for a lot of people. Suddenly, you have a place to put your money besides your wallet, your piggy bank, or under your mattress. But what does a checking account mean for your credit? It may not be as important as you might think, but knowing what does and does not affect your credit score can be helpful as you start to build your credit history from scratch. Read more > Understanding why interest rates change Interest rates are interesting. See what we did there? Word play is fun. Interest rates? Maybe not so much. Like we said, interesting is a more appropriate descriptor. They can often be an obstacle when you’re trying to get approved for a loan. Everyone wants a lower interest rate, but not every lender is willing to offer one. In most cases, lenders will use your credit history to determine your interest rate, but there are outside influences that can also affect interest rates. Read more > 5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. Read more > Understanding recent bank failures and what they mean for you With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. Read more > 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. Read more > Why Vibrant turned its Bettendorf branch into a coffeehouse In late 2023, following the kind of light remodeling it takes to transform a credit union into a full-service restaurant, Vibrant will reopen its Bettendorf branch as the newest location of Vibrant Coffeehouse and Kitchen. Read more > What to do if your personal data is compromised If your personal or financial information has not yet been compromised by a data breach, count yourself lucky. In 2022, Statista reports there were 1,800 data breaches reported in the United States, everywhere from Twitter to Uber to the credit reporting agency Experian. 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 stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Read more > Protect yourself from smishing “Smishing” sounds cute, right? Like what you do when someone lets you hold their new baby or when your grandma envelops you in a big hug. But it's actually the name cybersecurity experts have given text-based frauds. (“SMS” and “phishing” equals “smishing.” Get it?) Read more > What is a certificate of deposit and how does it work? What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." Read more > 5 money-saving tips for college graduates To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” Read more > From the blog

  • Community giving | Vibrant Credit Union

    Submit a donation request The basics Are you looking for funding, giveaway items, or some extra helping hands? Get in touch. ​ You must be a nonprofit or tax-exempt organization Submit a request at least 30 days in advance of your event (longer is better!) No solicitations will be allowed on Vibrant property Causes we support While we can’t help out with every request, we love to work with organizations that support these goals: ​ Community development Civic affairs Culture Education (including booster clubs and PTAs) Environment Financial literacy Health and welfare Public safety Youth character building (including scouting, sports clubs, and other organizations) Find out what we can do for you Get a little help from your friends We care about the communities where our members live and work Get a little help from your friends We care about the communities where our members live and work

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