top of page

Don't be an April fool. Scammers are everywhere. Never share your full account or card number in response to a call or text. And never approve a transaction you didn’t personally initiate. Learn more »

Please Enter User ID

Please Enter Password

131 items found for ""

  • Tips for choosing a savings account

    Tips for choosing a savings account Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. Did you know that it only takes a deposit of $5 to start a savings account at Vibrant? Go ahead and pluck that five dollar bill out of your wallet, where it’s more likely to end up spent than saved. By putting it in a savings account for safe keeping, you’re planting a seed. How quickly that seed sprouts and grows into a beautiful flower depends on where you’ve planted it. To help you find the best place to grow your savings, here are four tips for choosing a savings account that is going to turn your five dollar bill into so much more. Aim high for your interest rate Opening a savings account is about growing your money, and how quickly that money grows will depend on the interest rate . The higher the interest rate, the more you’ll earn from your deposit. Most lenders will offer a basic savings account with interest rates as low as .01%, but keep an eye out for high-interest savings accounts that could help you earn more at a faster rate. Pay attention to minimum balance requirements Behind every savings account are a set of terms and conditions. You might be tempted to skim them, but do yourself a favor and give them a read. Different lenders will have different minimum deposit requirements, ranging from $1 to $10,000. You might also be expected to maintain a minimum balance to earn interest. There could even be fees for dropping below the minimum required balance. Always take the time to read the terms and conditions. Shop local for the best rates No two savings accounts are the same. Different financial institutions are going to offer different types of savings accounts with different interest rates, fees, and minimum balances. It’s up to you to look around and find the best savings account for you, and the best place to start is your local credit union or community bank. Because they’re nonprofit and member-owned , credit unions generally offer higher interest rates than banks, so be sure to give them a look. Ask about mobile banking Having a brick-and-mortar location close by is convenient, but in this day and age, most people expect to be able to handle the bulk of their financial transactions through their phone. You should be able to manage your savings account from anywhere, so be sure to ask about online and mobile banking services when kicking the tires on different financial institutions. If you’re interested in opening a savings account, get in touch with us ! Next Item Previous Item

  • Understanding recent bank failures and what they mean for you

    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. 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. The most important thing to know is that these recent bank failures were the fault of decisions made by those institutions specifically — and that they don’t necessarily reflect on the financial stability of other banks and credit unions. Nevertheless, their collapse is a timely reminder to learn more about the financial health of your own credit union or bank. Here are a few tips for evaluating how safe your money is. If you have less than $250,000 in deposits with a single NCUA- or FDIC-insured financial institution, you’re not at risk. If you have less than a total of $250,000 deposited among your accounts (including checking, savings, money market, CD, IRA, and Revocable Trust accounts), your funds are protected. If you share any of those accounts with another person, then both of you are individually insured up to $250,000 in deposits. That means that if you and your spouse share a checking account and a savings account, then you’re protected up to $500,000 of deposits. Three account owners? Then you’re protected up to $750,000. How do you find out if your financial institution is NCUA- or FDIC-insured? Deposit insurance for credit union members is provided by the National Credit Union Administration (NCUA). All federal credit unions and nearly all state-chartered credit unions (including Vibrant) are protected by NCUA deposit insurance. You can confirm your credit union’s NCUA status by searching the NCUA member database . You should also see notices about its NCUA insurance posted on its website and on its premises. Deposit insurance for U.S. banks is provided by the Federal Deposit Insurance Corporation (FDIC). Nearly all U.S. banks are FDIC-insured. As with the NCUA, the FDIC also requires member institutions to post notices about its FDIC membership on its website and on its premises. You can also confirm a bank’s FDIC status through the FDIC website. If you DO have deposits in excess of FDIC or NCUA limits, take a closer look at your financial institution’s performance. There may be situations where you need to maintain a total balance above the deposit insurance limit of $250,000 — for instance, if you’re running a business with large cash requirements for payroll or inventory or if you're trying to maximize your interest earnings by consolidating your money in a single account with the best available rate. If that’s the case, here are some ways to assess your financial institution’s overall health. 1. Find out where your credit union or bank invests its deposits. Financial institutions generate revenue in two ways — either by lending money out and earning interest on those loans or by investing in other forms of equity — stocks, bonds, and other securities. You can look at Vibrant’s statement of financial condition to get a broad overview of where we invest deposits. In the case of Silicon Valley Bank, by comparison, more than 40 percent of its income came from investments — many in the form of long-term Treasury bonds, which have lost value as interest rates have risen in the last year. Meanwhile, Signature and Silvergate heavily invested in cryptocurrency, which has also lost significant value in the past year. 2. Look for steady deposit growth. When people and businesses continue to deposit their money with an institution, it’s a sign there’s strong confidence in how the institution manages its assets. In Vibrant’s case, total deposits have grown from about $407 million at the end of 2012 to about $774 million at the end of 2022 — a 47 percent increase in deposits over the last decade. (You can access past financial statements for Vibrant or any credit union via the NCUA website if you really want to get in the weeds.) 3. Look at the institution’s capitalization classification. Every NCUA- or FDIC-insured financial institution must meet certain capital requirements that ensure it has enough cash on hand to meet its depositors' needs. NCUA considers a credit union “well capitalized” if it has a net worth ratio above 7 and a capital ratio above 10. For reference, Vibrant’s current net worth ratio of 9.48 and capital ratio of 14.93 place it well within the "well capitalized" category. (Capitalization classifications are available for every credit union within the quarterly call reports posted on the NCUA website.) Why a credit union can be a less risky choice than a bank The bank run that led to the collapse of Silicon Valley Bank resulted from widespread panic among depositors after its financial reporting showed the bank might not have funds available to meet all its financial obligations. Rather than risk losing any deposits in excess of FDIC insurance limits, many customers decided to withdraw their funds while they could and move them elsewhere — making Silicon Valley Bank’s existing issues even worse. In general, credit unions like Vibrant are far less likely to experience bank runs because the overwhelming majority of their deposits are federally guaranteed. More than 90 percent of credit union deposits fall within deposit insurance limits, while only about 50 percent of bank deposits do. Additionally, credit unions tend to prioritize safe, sound, and fiscally responsible investments over the pursuit of the ever-higher profits expected by bank shareholders. As member-owned nonprofits, credit unions don’t answer to Wall Street — only to their members. For Vibrant, that means lending money at affordable rates and providing a fair return for members who put their savings into money market accounts and certificates of deposit. If you’re considering moving your money now, talk to us about how we can help safeguard your deposits while enabling you to meet your financial needs. Open an account today . Next Item Previous Item

  • 5 New Years resolutions that will be easy to keep

    5 New Years resolutions that will be easy to keep We all start a new year with the best of intentions, but building new habits is hard. If you want to take better control of your personal finances in 2022, here are a few things you can do that won’t require a lot of time—or a lot of willpower. We all start a new year with the best of intentions, but building new habits is hard. If you want to take better control of your personal finances in 2022, here are a few things you can do that won’t require a lot of time—or a lot of willpower. Resolution #1: How to save more money One reason New Year’s resolutions fail is because they are too easy to break. You can turn regular savings into a habit by automating the process. Set up an automatic transfer each pay day that transfers a small amount of cash into your savings account. It’s okay to start small—you don’t want to be tempted to cancel your transfer because you suddenly need that money for something else next month. You can always increase the amount in the future. Time required: 2 minutes to log in to online banking and set up a new automatic transfer Resolution #2: How to reduce your debt One of the fastest ways you can reduce your monthly debt expenses is by reducing your borrowing costs. With interest rates still near record lows, it’s a great time to explore refinancing your mortgage, your auto loan, or consolidating your debt into a single monthly payment. Right now, for instance, credit card rates average about 16% APR (annual percentage rate). If you have good (or better) credit, you can probably find a personal loan that charges considerably less. Time required: 60 minutes (and often far less) to fill out an application, talk with a banker, and sign documentation Resolution #3: How to reduce your spending Are you spending money right now on things you don’t even use? Take a look at your subscriptions—streaming services, magazines and newspapers, websites—and think hard about the value they provide. Do you watch enough baseball to justify a $129 subscription to MLB? Are Spotify’s ads really that annoying? Time required: 5 minutes or less to cancel an account, depending on whether it's one of those companies that makes you call instead of letting you cancel online (definitely stop giving those guys your money) Resolution #4: How to earn more money (easy mode) First, an easy thing you should check right now: Are you earning your full employer match on your retirement savings? Many employees, including Vibrant, will match your contribution dollar-for-dollar up to a certain percentage. If you’re not contributing at least that percentage of your salary to your retirement plan, you’re essentially telling your employer to keep an extra 1, 2, or even 5 percent of your annual salary for themselves. Time required: 15 minutes or less to ask your HR department what you need to do to increase your contribution Resolution #5: How to earn more money (advanced) Second, there’s never been a better time to think about changing jobs—or renegotiating your current salary. The latest economic data shows there are more than 10 million open jobs right now, while the number of Americans collecting unemployment is lower than 2 million. Lots of people are finding better jobs right now—which could mean that your current employer might be more willing to increase salaries to keep experienced workers from moving on. It’s probably a good time to mention that Vibrant is hiring—and we offer a 401(k) match up to 6 percent of your salary. Check out our current openings . Time required: As little as a couple of weeks to six months or longer, depending on your field and your location Next Item Previous Item

  • Rock Island, IL - ATM only

    Services Cash-dispensing ATM Lobby Hours Drive-thru hours Get directions (800) 323-5109 2365 11th St Rock Island, IL 61201 United States Rock Island, IL - ATM only FAQ

  • contact-us

    Return to Home Page >> Got it! We've got our people on it and will be reaching out within 1 business day. ​

  • fb-redirect

    Return to Home Page >> By following this link, you will leave the Vibrant website for a third-party site. Vibrant does not provide, and is not responsible for, the product, service, overall content, security, or privacy policies of this or any third-party site. Take a look at the privacy and security disclosures of all websites you visit to see how they use and share your personal information. Heads up, you're leaving Vibrant!

  • 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

  • 13monthCD

    Return to Home Page >> A member of our Yanmar service team will be in touch shortly to answer any questions you have and help you open your new CD account. Thanks! We've received your information

  • Our favorite Quad Cities holiday light displays of 2022

    Our favorite Quad Cities holiday light displays of 2022 We knew that Quad Citizens love holiday lights displays—after all, there are dozens of them running every night between Thanksgiving and Christmas. But we honestly didn’t realize how much they love them until we posted our updated Quad Cities Lights Finder map on Facebook and it got nearly 110,000 views in the first week. (We’re even more excited that more people have reached out and asked for their displays to be added. Send them our way, please!) We knew that Quad Citizens love holiday lights displays—after all, there are dozens of them running every night between Thanksgiving and Christmas. But we honestly didn’t realize how much they love them until we posted our updated Quad Cities Lights Finder map on Facebook and it got nearly 110,000 views in the first week. (We’re even more excited that more people have reached out and asked for their displays to be added. Send them our way, please !) Frankly, you could go out light-peeping every night during the holiday season and not run out of new displays to visit. But for those of you who aren’t up to that level of commitment, we’d like to call out some of our favorites. If you want to be totally overwhelmed by holiday magic The Quad Cities boasts three public holiday displays with truly staggering numbers of lights. Be prepared to linger to get the full experience. Holiday Lights at Fejevary Learning Center City of Davenport Government | Facebook Where: 1800 W 12th St, Davenport, IA 52804 When: 5 p.m. to 9:30 p.m., November 26, 2022 through January 8, 2023 Admission: Free Tune in: 107.5 FM Shows last 15 minutes and start at the top and bottom of the hour Park in the lot on the east side of the Learning Center and cross the street to the viewing area (where there’s also accessible parking available for those who need it). Be prepared current hits as well as more traditional holiday tunes, with trees, buildings, fence posts, and even the giant Mother Goose lit up and dancing in time. Get more information about Fejevary’s Holiday Lights . Vander Veer Conservatory Poinsettia and Holiday Lights Display Where: 215 W. Central Park, Davenport IA 52803 When: 10 a.m. - 4 p.m. weekdays, 10 a.m. - 7 p.m., Saturdays (closed Mondays and holidays) | Nov. 26, 2022 to January 13, 2023 Admission: Free While the entire 33-acre expanse of Vander Veer Park is beautifully decorated for the holidays, you’ll want to visit the Conservatory in particular to see its vast poinsettia collection and get a close-up look at the lights in the greenhouse. Heads up—they'll be giving poinsettias away at the end of the season, on January 14 and 15. (The larger park closes half an hour after sunset. Parking is available at the Central Park entrance.) Get more information about the Vander Veer Conservatory Poinsettia and Holiday Lights Display . Quad Cities Botanical Center’s Winter Nights Winter Lights Where: 2525 4th Avenue, Rock Island, IL 61201 When: 5 p.m. to 9 p.m. Wednesday through Sunday until December 11, then 5 p.m. to 9 p.m. daily through January 1 Admission: $10 adults/$6 youth under 16, with free admission on Wednesdays for members In 2022, the Botanical Center is decked out in more than 160,000 lights—good thing the display is sponsored in part by MidAmerican Energy! Organizers caution that it takes about 45 minutes to walk through the entire display, but you can pause to buy cocoa and other warm drinks as you stroll. Get more information about Winter Nights Winter Lights . If you want to see a neighborhood display so impressive the designer went pro Kall Christmas Lights Where: 1852 Westminster Circle, Davenport IA When: 5:30 to 10 p.m., November 26, 2022, through December 31, 2022 Admission: Free Tune in: 100.1 FM Shows last approximately 7 minutes and start at the top and bottom of every hour The Kall family has been putting up increasingly lavish holiday light displays for nearly two decades. Several years ago, Aubrey Kall took her interest in music and animation to start choreographing and programming custom light shows, synced in time with some of the banging-est tunes you’ll ever encounter at a Christmas display. Visitors were so impressed with the animated displays that she quickly started getting inquiries from other businesses who wanted her to work for them. She started her own company, Luminous Harmony, and started creating displays for clients across the United States. But her first client is still one of her most important—this year, the Kalls have three different animated shows running on alternate nights. Get more information about Kall Christmas Lights, including parking information and playlists. If you’re introducing your little ones to the magic of Christmas Mickey’s Christmas Yard Mickey’s Christmas Yard 509 13th Ave Orion | Facebook Where: 509 13th Avenue, Orion IL 61273 When: 6 p.m. to 9 p.m., Fridays and Saturdays, 6 p.m. to 8 p.m. on Sundays, through Christmas Admission: Free (though donations are welcome to help cover the cost of providing visiting kids with gifts and goodie bags) Looking for a display featuring an ample supply of holiday inflatables? Mickey’s Christmas Yard includes an entire receiving line of them, from Christmas Minions to Will Ferrell in his Elf costume. While the lights are beautiful, they’re not the main event. This year, that might be Santa’s Workshop, where the family hopes to provide every young visitor with a gift when they stop in. Get more information about Mickey's Christmas Yard, including special events. If you’d rather stay home and have the holidays come to you EVS Mobile Repair’s Grinch Truck EVS Mobile Repair | Facebook Where: Watch their Facebook page for announcements! When: Tuesdays through Sundays through Christmas Admission: Free (and you can reach out to them with requests if you’re hoping they’ll come by your neighborhood) Rock Island’s EVS Mobile Repair spends its days making house calls to diesel engines in need of attention, so it's not surprising they’ve got some pretty substantial trailers in their fleet. This year, they’ve commandeered one to set up a full tableau of Grinch-themed inflatables, added Grinch-green underlighting, and put the actual Grinch behind the wheel to spread cheer across the Quad Cities and surrounding towns. We love this idea and hope it catches on! If you’d rather stay in your car Vibrant Nights 2022 Where: Vibrant Credit Union, 3230 Ridge Pointe Drive, Bettendorf IA 52722 When: 4 p.m. to midnight, seven days a week, through December 31, 2022 Admission: Free Tune in: 87.9 FM Want to slowly cruise past an extravaganza of flashing, chasing lights without irritating the entire neighborhood while you do it? Our holiday lights display in Bettendorf, back for a second year, is perfect for you. Circle the display as often as you like, or park and enjoy. If it’s not too chilly and you’re feeling inspired by all the festivity, the giant Christmas ball at the building entrance makes the perfect backdrop for your holiday family photos. (Tag #bevibrant if you post any online!) Chart your own tour of holiday lights Check out our Quad Cities Lights map (updated as new information becomes available!). Next Item Previous Item

  • ig-redirect

    Return to Home Page >> By following this link, you will leave the Vibrant website for a third-party site. Vibrant does not provide, and is not responsible for, the product, service, overall content, security, or privacy policies of this or any third-party site. Take a look at the privacy and security disclosures of all websites you visit to see how they use and share your personal information. Heads up, you're leaving Vibrant!

  • Moline, IL

    Services Coin machine Night drop Deposit-taking ATM Branch lobby open Drive-thru open Lobby hours 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 Closed Sun Closed Lobby Hours Drive-thru hours Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-6:00pm Sat 8:30am-12:00pm Sun Closed Drive-thru hours Get directions (800) 323-5109 4400 16th St Moline, IL 61265 United States Moline, IL FAQ

  • Geneseo, IL

    Services Deposit-taking ATM Branch lobby open Drive-thru open Lobby hours 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 Mon 8:30am-5:00pm Tue 8:30am-5:00pm Wed 8:30am-5:00pm Thu 8:30am-5:00pm Fri 8:30am-6:00pm Sat 8:30am-12:00pm Sun Closed Drive-thru hours Get directions (800) 323-5109 1090 S Congress St Geneseo, IL 61254 United States Geneseo, IL FAQ

Search Results

bottom of page