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.
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
5.25% APY*
Our 6-month CD starts with a base rate of 5.00% 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
4.90% APY*
Maximize your interest earnings until fall 2025. 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
4.50% APY*
If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings until the late 2026.
Which CD is right for you?
CD rates
Rates current as of October 10, 2024
Term | APY* |
|---|---|
6-Month CD Special (2) | 5.00% |
8 Month++ | 0.01% |
9-Month*** | 0.01% |
12 Month | 0.01% |
13 Month*** | 4.90% |
15 Month*** | 0.01% |
18 Month | 0.01% |
23 Month (1) | 4.50% |
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.
**During the term of the Add-On certificate, you may make deposits of $5 or more at anytime.
***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 5.00%, 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
You can open a Vibrant account from anywhere in the United States. You are eligible to join Vibrant Credit Union if you:
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Are a member of one of the associations we partner with.
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Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S.
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Are a domestic partner or immediate family member of a current Vibrant Credit Union member.
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Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area.
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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.
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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.
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.
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.
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.