Stay ahead of falling rates Lock in a great rate while you can. Open a CD with a minimum deposit of just $5. Open a CD Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD Open a CD Open a CD Stay ahead of falling rates Stay ahead of falling rates Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Stay ahead of falling rates $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates falling, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. 6-month CD Current rate up to 4.75% APY* Our 6-month CD starts with a base rate of 4.50% APY *—but you can earn a rate increase of 0.10% APY* with your Preferred Savings account OR 0.25% APY* with your Elite Savings account. 13-month CD Current rate 4.50% APY* Maximize your interest earnings through 2025 and beyond. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances. 23-month CD Current rate 4.00% APY* If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings for the next two years. Which CD is right for you? Open a CD CD rates Term APY* 6-Month CD Special (2) 4.50% 8 Month++ 0.01% 9-Month*** 0.01% 12 Month 0.01% 13 Month*** 4.50% 15 Month*** 0.01% 18 Month 0.01% 23 Month (1) 4.00% 24 Month 0.01% 30 Month 0.50% 36 Month 0.01% 40 Month Bump Up Special(+) 1.90% 48 Month 0.01% 5-Year Add-On Certificate** 0.01% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. **During the term of the Add-On certificate , you may make deposits of $5 or more at any time. ***9- , 13-, and 15-month certificates will automatically renew into a 12-month term at maturity. +For the 40-Month Bump Certificate Special , members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 6-Month Certificate Special has a base APY of 4.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 6-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 6-Month Certificate is $250,000. Limit of two (2) 6-Month Certificates per member. The 6-Month Certificate will auto-renew into a 6-month certificate at the current rate on the maturity date. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Frequently asked questions Who is eligible to open a CD with Vibrant? You can open a Vibrant account from anywhere in the United States. You are eligible to join Vibrant Credit Union if you: Are a member of one of the associations we partner with. Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Are a domestic partner or immediate family member of a current Vibrant Credit Union member. Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area. Become a member of the Illinois Consumer Council, a nonprofit membership organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. We’ll even enroll you and cover any costs associated with your ILCC membership. This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union. How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Is there a penalty for early withdrawal? You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options. What happens when my CD reaches the end of its term? If you choose not to withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the same term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose, you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it can therefore earn more interest than you’d earn with a savings account. In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

Open an account online With Premier Checking, you can turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 You've never seen a checking account like this before Get all the perks, including free online banking with mobile deposit and free credit monitoring, without paying extra. No monthly fees You don’t have to keep a large balance to earn a great rate. You’ll start earning interest with every dollar you deposit. No minimum balance requirement Unlike many high-yield checking accounts, we don’t require you to sign up for direct deposit or make a minimum number of monthly transactions. No hoops to jump through Each month, you’ll receive a monthly dividend based on your average daily balance. Get monthly interest dividends Add a Title Open an account online With Premier Checking, you can. turn your spending money into earning money. Earn 4.00% APY* on balances up to $24,999 Current rates Average Daily Balance APY* $ 0 – $24,999.99 4.00% $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of January 9, 2025. Premier Checking 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 Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Increase your financial flexibility by opening an IRA. Make retirement planning less taxing Contact an advisor Choose the type of account you want You can choose to deposit your IRA contributions in a traditional savings account or in an IRA certificate of deposit (CD). See our current CD rates. Make a tax-deductible contribution As of 2023, you can contribute up to $6,500 a year to your IRA account if you're younger than 50. After that, you can contribute up to $7,500 a year. These contributions are tax-deductible at the time of contribution. Avoid penalties for early withdrawal You can withdraw your money from an IRA at any time—but if you're below the age of 59 and 1/2 years, you may be subject to additional tax penalties except in certain circumstances. Start making withdrawals by age 72 Once you reach 72 years of age, you're required to receive a minimum distribution from your account every year. The exact amount will depend on your balance and your estimated life expectancy. Your IRA distribution is subject to state and federal taxes. How a traditional IRA works Make retirement planning less taxing Increase your financial flexibility by opening an IRA Contact an advisor Make your savings work harder with a CD Get a better return on your savings when you invest in a certificate of deposit. Invest as little as $5 and for as short a period as 3 months. See rates

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 Behind the Pinwheel One-stop shopping for everything Vibrant 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 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 Meet our vibrantLive ITMs 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. 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) Frequently asked questions 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 and 8:30 a.m. to 12 p.m. CT on Saturday. 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

Yanmar Training Center Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Add a Title Before you take the Yanmar Dealer Portal for a spin, check out our library of videos to help guide the way. Yanmar Training Center Your guide to online banking! Online Banking User Guide Need assistance? Submit the form below or contact us at 1-800-479-6206 during regular business hours (Monday through Friday from 7:30 a.m. to 6:00 p.m. CT and Saturdays from 8:30 a.m. to 12:00 p.m. CT).

Getting Started with Your Vibrant Chapter Account Desktop How to log in for the first time Navigating online banking Navigating online banking Navigating online banking Mobile How to log in for the first time How to make a mobile deposit 5 tips for making mobile deposit easier

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Schedule an appointment with a banker Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Open a CD > Open a checking or savings account Schedule a one-on-one meeting with a Vibrant banker to open a checking or savings account. Choose the date and time that works best for you! Open an account > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Speak face-to-face with a member of our banking team to open a new account, get a financial review, or update your account information. Open a Certificate of Deposit (CD) Schedule an in-person meeting at Vibrant HQ with a personal banker. Choose the date or time that works best for you! Schedule a meeting > Get a personal financial review Get personalized advice on which Vibrant products are right for you. Talk one-on-one with a personal banker at Vibrant HQ. Choose the date and time that work best for you! Get a financial review > Add a signer to your account Need to add a signer to an existing Vibrant deposit account? Schedule an appointment at Vibrant HQ to complete the paperwork. Schedule an appointment >

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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

Add a Title Search current openings If you want a job you can feel good about, you'll love working here. Open yourself up to new possibilities You might be surprised by the number of Vibrant employees who never considered working in banking until they came here. What makes us different? First, we want you to find a role that makes you look forward to coming to work—and we’ll make sure you get the training and development to succeed in one that does. Second, we believe there’s no single “right” way to do most things, and we’re not afraid to try something new. That opens up a ton of opportunities to build your skills. Third, we take our members seriously, but not ourselves. Which is why there’s a closet full of inflatable cow costumes at our corporate headquarters. Make your career Vibrant If you want a job you can feel about about, you'll love working here. Open yourself up to new possibilities Search current openings Check it out Get to know Vibrant HQ The majority of our team works at our corporate headquarters in Moline. Even branch and remote employees can expect to spend a few days here each year for training and team building. In keeping with our commitment to community revitalization, we transformed a former big-box outlet into a state-of-the-art workspace with plenty of room to keep growing. Vibrant HQ is also the place where we launch new technologies and initiatives, from our first fully digital branch to our inaugural Vibrant Coffeehouse & Kitchen. All the usual benefits, without the usual lengthy waiting period before they kick in Medical, dental, and vision insurance 401(k) match up to 6 percent of your salary Paid time off The expected The unexpected Some things you might expect from a credit union, plus a few you wouldn't Flexible schedules and locations for many positions Casual dress code Work in our new state-of-the-art corporate headquarters, conveniently located beside Vibrant Coffeehouse + Kitchen (yep, there's an employee discount, too!) Learn more Because there's so much more to you than the hours you spend at work Paid time off for volunteering Education reimbursement Leadership development courses The extraordinary Our employees get great benefits You deserve a Great Place to Work®. 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 in your role, whether you're working directly with members or supporting the people who do. Find out why we've been Great Place to Work® certified for the last six years. Why our employees love working at Vibrant Frequently asked questions I've submitted an application. What next? Check your inbox for an email confirmation that your application has been received. We’ll get back to you within 5–10 business days with an update on your application status. Are there many opportunities to grow? Yes! As employees become more familiar with our operations, it’s not unusual for them to move into different roles and different departments. We also offer specialized training for employees who want to become leaders and for leaders who want to become exceptional. How long will I have to wait to become eligible for benefits? Health coverage kicks in on the first of the month following your hire date. You’ll also start earning PTO hours, but you won’t be able to use them until you’ve been here for 90 days. If you choose to contribute to a 401(k) plan, your plan will become active on the first day of the second full month following your hire date. (So if you started on July 5, your health benefits begin on August 1, and your 401(k) plan on September 1.) Will I be eligible for vacation/PTO hours during my first year of full-time employment? Yes, but your total number of PTO hours will be pro-rated depending on your start date. On January 1 following your hire date, you’ll be able to draw upon a full 15 days of PTO. FAQ Open yourself up to new possibilities If you want a job you can feel good about, you'll love working here. Search current openings