How to set up mobile payments If you never leave home without your smartphone, at least you can leave home without your wallet. Your Vibrant debit or credit card works with Apple Pay, Google Pay, and Samsung Pay. No more swiping! Add Vibrant to your digital wallet Apple Pay Open the Wallet app and tap the plus (+) sign to add a new card. Enter your card number, expiration date, and CVV code and tap NEXT. Vibrant will automatically verify your card info. To pay from your phone, wave your phone in front of any contactless card reader or tap it against the ))) symbol. Samsung Pay Open Samsung Pay on your phone. Tap MENU (the three horizontal lines) in the top left corner, and then tap CARDS. Tap ADD CARD (look for the icon with a credit card with a plus sign). Tap ADD CREDIT/DEBIT CARD. Follow the instructions to register your card. When you add a card, you must agree to the card's terms and conditions. Vibrant will verify your card info. That's it! Hold your phone against any contactless card reader to pay. Google Pay Open the Google Pay app and tap the +ADD TO WALLET button. Choose PAYMENT CARD, then ADD NEW PAYMENT CARD. Enter your card details manually or use your phone camera to automatically scan your card. Vibrant will automatically verify your card info. To pay from your phone, hold it against the contactless payment symbol on the card reader. Boop! You're ready to go.

Imagine saving $600 a year We work with the nation's top insurers to find members the right coverage at the best price—saving them an average of $600 in annual premiums. Get a no-obligation quote Why shop for insurance with Vibrant? We’ll help you find the right coverage at the right price because we compare policies from multiple leading insurers You’ll get fast, personal service from a dedicated team of agents—our priority is always your satisfaction, not the bottom line Members save an average of $600 a year on premiums Imagine saving $600 a year We work with the nation's top insurers to find members the right coverage at the best price—saving them an average of $600 in annual premiums. Get a no-obligation quote Find out if we can save you money Whether you rent or own, protect yourself and your belongings against theft, fire, weather damage, and other hazards. Talk to us if you're: ​ Moving to a new home Concerned you don't have adequate protection Want to find out if you can save money Home Get a quote Save money based on your driving record, your annual mileage, or by bundling your coverage. Talk to us if you're: ​ Trading in a vehicle Worried your rates will rise after an accident Adding a young driver to your coverage Vehicle Get a quote You know you need it. We've made it easy to find the right coverage at every stage of life. Talk to us if you're: ​ Getting married or expanding your family Looking for more affordable coverage Not sure how much life insurance you need Life Get a quote FAQ How do I add or change a vehicle? Get the Vehicle Identification Number (VIN) of your new vehicle and contact us at 309-623-4196 . We’ll take care of everything else. How do I request a new insurance ID card? If you’ve set up an online account with your specific carrier, you should be able to download and print a copy from their website. Otherwise, contact us at 309-623-4196 or email vibrant_service@vibrantinsurance.com .

Current Vibrant members Send a secure message through your online banking app. Shoot us an email at hello@vibrantcu.org . We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, and 8:30 a.m. to noon on Saturday). New to Vibrant? Get started with an online application or schedule an in-person meeting. Become a new member Email us at hello@vibrantcu.org with any other questions Need to get in touch? FAQ I need help with my account. When is your member services team available? Our regular business hours are from 8:30 a.m. to 5:00 p.m. CT Monday through Friday and 8:30 a.m. to noon CT on Saturdays. If you need to report that your debit or credit card has been lost or stolen, and it's after our regular business hours, call 1-800-323-5109 and press 1. I got locked out of my online account. What do I do? Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password. I forgot my password. What do I do? Reset your password online. How do I set up an automatic payment? If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency. What is the Vibrant routing number? 271183646 How do I keep debit or credit transactions from being blocked while I'm traveling? To protect your account against fraudulent charges, we may block transactions that originate from outside your geographic area. If you plan to travel or are already on the road, you can call 1-800-323-5109 to let us know. (After 5 p.m. and on weekends or holidays, choose option 2 from the voicemail menu.) You can also log in to your online banking account and send us a message. I got a text message about a fraudulent charge. What should I do? If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109 . What should I do if I lose my card? During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card. ​ After hours, contact Mastercard directly at 1-800-MASTERCARD (1-800-627-8372 ) to prevent unauthorized charges. FAQ Send us a message *By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.

Get nearly 8 times higher with us Earn 4.50% APY* on your savings balance up to $15,000 with Preferred Savings—that's more than 7 times the national average.** Get started Imagine a savings account that grows as fast as your 401(k) No minimum balance requirements. No monthly fees. We must be high. Earn money like you're Elon Get the same rate we pay our million-dollar depositors with the very first $5 you deposit. Build your savings fast You'll actually notice your balance rising with each monthly dividend you receive. Maximize your savings 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. “Give it to me straight—are your rates really 7x higher?” Actually, they’re higher than that. Right now, the average U.S. savings account pays 0.59% APY * —and chances are good your current savings account is paying much, much less. With Preferred Savings, you’ll be earning 7.5 times more interest than average. Average daily balance APY* $0 –$14,999.99 4.50% $15,000+ 1.00% ^^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. ​ *APY = "Annual Percentage Yield." APYs accurate as of April 1, 2024. These are tiered rate accounts; rates will only apply to the portion of the balance within that tier. $5 Membership Share account required. Federally insured by NCUA. **As of April 3, 2024, Bankrate.com reports the average U.S. savings account interest rate is 0.59% APY . Preferred Savings Rates as of April 1, 2024

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How to enable second-factor authentication (2FA) When you use 2FA, you’ll automatically receive a verification code via text or email when you try to log in to your Vibrant account. Before you can access your information, you’ll have to enter that code into your smartphone or browser. 2FA verification codes are set to expire within 10 minutes, and they change every time you request one by logging in. Log in from your browser or use the Vibrant mobile app (available for Apple or Android ). Step 1: Log in to your Vibrant account. For mobile app users Select MORE from the options listed across the bottom of the screen. Select FULL SITE. Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Step 2: Access your security settings. ​ 7. Choose the channels through which you prefer to receive your verification code (text, email, voice call). ​ Congrats! You’re protected. ​ ​ For browser users Select TOOLS. Select SETTINGS. Select SECURITY. Go to the section labeled TWO-FACTOR AUTHENTICATION. Toggle the switch to the right from OFF to ON. Choose where you want Vibrant to send your verification code (text, email, voice call). ​ Congrats! You’re also protected. For even more protection You know that little "Remember Me" button when you log into your online account? If you check this box, then the device or browser you're using will no longer require an extra verification code to log in. Now that you're making your account more secure, it's a good time to take a look at the devices you've previously approved. ​ ​ Help! I can’t set up 2FA. Contact us during regular business hours, and a member of our team will walk you through the process. Your agent asked for my verification code. Should I tell them what it is? NO! A real Vibrant employee will never ask for your verification code. You’re talking to a scammer—and if you give them your verification code, they can take over your account. 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.) What information will Vibrant never ask me for? If you call our Member Contact Center, we’ll ask you to verify your identity by asking you a series of questions. The answers will NEVER include: Anything more than the last 4 digits of your debit or credit card Any security or verification code you receive via text or email Your account or routing number Your complete Social Security Number Your account password Your PIN Frequently asked questions

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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. 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 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.

*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

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