Open Positions Learn why our employees love working at Vibrant We’ve worked hard to create a culture that inspires people to do great work every day. We want you to feel energized and empowered by the work you do, whether you’re working directly with members or supporting the people who do. You deserve a great place to work.

Want to make sure your Vibrant accounts stay safe? We've put together some helpful tips for helping you recognize fraud attempts before it's too late. If a person, business, or organization you don't have an existing relationship with asks you for money or personal information, be on guard. Make sure they are who they say they are. Unsolicited If you’re contacted out of the blue by an organization you DO have a relationship with, don’t respond directly. Instead, contact the organization via their publicly available phone number or email address so you can verify it's a legit request. Unexpected Scammers know the more time you have to think, the more questions you’ll ask. Even in a genuine emergency, no one will ask you to disclose personal or financial information before you do anything else. Urgent How to detect potential scams Your Caller ID may tell you Vibrant is calling, but it could be a scammer. If a caller asks you to provide any of the information below, this could be an attempt to access your personal account. Say nothing and hang up! 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 Watch out for spoof calls and text messages 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

The Vibrant Advantage Exclusive deals and discounts for Vibrant members only Not to brag, but you're kind of a big deal. Your Vibrant membership has granted you access to the VIP line. Check your inbox often for new offers and exclusive advantages. Not a member yet? We can fix that. Open an account Lynyrd Skynyrd and ZZ Top 20% off purchase of two tickets ENCORE! Membership Vibrant Advantage: 50% off membership Featured Offers Upcoming Offers Apr 13, 2024 Lynyrd Skynyrd and ZZ Top 20% off with the purchase of 2 tickets 7:00 p.m. Apr 20, 2024 QC Steamwheelers vs Mass Pirates $2.50 off tickets 7:05 p.m. Apr 28, 2024 QC Steamwheelers vs Tulsa Oilers $2.50 off tickets 3:05 p.m. May 4, 2024 Monster Jam $7 off all tickets (evening show only) 7:00 p.m.

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

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, or 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 Consumer (equipment loans): You've made at least 1 loan payment and you've skipped fewer than 3 payments total Who can apply?

Return to Home Page >> Thanks for reaching out to Vibrant for assistance with your organization. We appreciate the opportunity to learn more about your work and the resources you bring to the community. Our community relations team comes together about once a month to review requests and select the projects that are the best fit for our giving priorities. We’ll be in touch soon to let you know our decision. We're reviewing your donation request!

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Want to be better with money? It’s easy. Open a Preferred Savings account in less than 5 minutes and start earning 4.50% APY* on your balance up to $15,000. Get started Move your savings to Vibrant. We’ll take care of the rest. Say goodbye to nitpicky requirements We won’t ask you to maintain a minimum balance or open multiple accounts to qualify for our best rate. Just move your money, sit back, and watch your savings grow. Earn up to 450x the interest you're earning now Nationwide, the average yield on a savings account is currently 0.54% APY* —and many banks whose names you’d recognize offer as little as 0.01% APY. Stop worrying about whether you've found the best deal ​ High-yield savings and checking accounts are our thing. We’re proud to offer the best rates available every day of the year—without monthly fees or special conditions. 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. Preferred Saving Accounts Rates as of April 1, 2024 Sure, with our 24/7 online and mobile banking, you’ll probably never need one. But if you do, we offer full-service digital banking at every Vibrant Coffeehouse + Kitchen location—as well house-roasted coffee and espresso, great food, and maybe even a triple chocolate chip cookie to reward yourself for being so responsible with your finances. By the way, you’re going to love our new branches. Check us out in Des Moines

See how Vibrant compares Compare savings accounts Things you should know as you review this savings account comparison Featured APYs (Annual Percentage Rates) are accurate as of April 1, 2024 and have been collected from each financial institution's website, as have the monthly fees, and balance minimums and maximums eligible for the quoted rate. In cases where rates are dependent on the account holder's geographical location, we have assumed the account holder is based in the Quad Cities IA/IL area. ​ Accounts marked with an asterisk (*) are tiered-rate accounts. Your APY may change as your balance increases. ​ Financial institutions that charge monthly service fees often offer more than one condition, one of which you may be able to satisfy, to waive the fees. ​ Vibrant's APY is accurate as of April 24, 2024. Keep in mind that rates are variable and may change after the account has been opened. Preferred Savings is a tiered account. The portion of your balance up to $14,999.999 earns a 4.50% APY, while the portion of your balance of $15,000 and above earns a 1.00% APY. Limit one Preferred Savings account per member. $5 membership share account required. Federally insured by NCUA. ​ Compare checking accounts Things you should know as you review this checking account comparison Featured APYs (Annual Percentage Rates) are accurate as of April 1, 2024 and have been collected from each financial institution's website, as have the monthly fees, and balance minimums eligible for the quoted rate. In cases where rates are dependent on the account holder's geographical location, we have assumed the account holder is based in the Quad Cities IA/IL area. ​ Accounts marked with an asterisk (*) are tiered-rate accounts. Your APY may change as your balance increases. ​ Financial institutions that charge monthly service fees often offer more than one condition, one of which you may be able to satisfy, to waive the fees. ​ Vibrant's (APY) is accurate as of April 1, 2024. Keep in mind that rates are variable and may change after the account has been opened. Premier Checking is a tiered account. The portion of your balance up to $24,999.999 earns a 4.00% APY, while the portion of your balance of $25,000 and above earns a 1.50% APY. Limit one Preferred Savings account per member. $5 membership share account required. Federally insured by NCUA. ​ Compare CD rates Vibrant 13 month CD Minimum deposit $5 Annual percentage yield (APY) 5.00% GreenState Credit Union 14 month CD Minimum deposit $1,000 Annual percentage yield (APY) 4.90% IH Mississippi Valley Credit Union 12 month CD Minimum deposit $250 Annual percentage yield (APY) 1.90% RIA Federal Credit Union 12 month CD Minimum deposit $500 Annual percentage yield (APY) 2.50% DuTrac Credit Union 12 month EcoPlus CD Minimum deposit $1,000 Annual percentage yield (APY) 1.50% Ascentra 12 month CD Minimum deposit $500 Annual percentage yield (APY) 0.55% Chase 12 month CD Minimum deposit $0, must have Chase checking Annual percentage yield (APY) 2.00% Wells Fargo 11 month CD Minimum deposit $5,000 Annual percentage yield (APY) 4.25% USBank 11 month CD Minimum deposit $1,000 Annual percentage yield (APY) 4.00% Bank of America 13 month CD Minimum deposit Less than $10,000 Annual percentage yield (APY) 4.30% Things you should know as you review this CD comparison ​ CDs are available in a wide range of terms, and each financial institution chooses which terms to offer and which rates to assign to each term. For the purpose of this comparison, we have limited our survey to certificates between 11 and 14 months and featured the certificate with the highest APY within that range at each financial institution. Keep in mind that these financial institutions may offer a higher APY on CDs of less than 11 months and/or CDs of more than 14 months. ​ Featured APYs (Annual Percentage Rates) are accurate as of April 1, 2024 and have been collected from each financial institution's website, as have the minimum balance required to open that particular CD account. In cases where rates are dependent on the account holder's geographical location, we have assumed the account holder is based in the Quad Cities IA/IL area. ​ Vibrant's (APY) is accurate as of April 24, 2024. Keep in mind that rates are variable and may change after the account has been opened. Vibrant's 13-month CD will automatically renew into a 12-month term at maturity. Penalties may be imposed for early withdrawal. A minimum of $5 is required to open an account. Federally insured by NCUA. ​

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