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Which savings account is right for you?
Savings with no monthly maintenance fees
Your interest rate increases as your balance grows
Dividends paid monthly
No transaction limits
Keep cash on hand for the occasional emergency or splurge without restrictions or fees.
Everyday Savings
No monthly maintenance fees
Earn up to 4.50% APY*
No transaction limits
Dividends paid monthly
Preferred Savings
If you're serious about growing your savings, get our best available rate on balances up to $15,000.
No monthly maintenance fees
Earn up to 3.00% APY*
No transaction limits
Dividends paid monthly
As your balance grows, so does your interest rate
Maximize your interest earnings for balances between $25,000 and $100,000.
Premier Savings
No monthly maintenance fees
Earn up to 4.50% APY*
No transaction limits
Dividends paid monthly
Talk to us about strategies to maximize your NCUA deposit insurance
Elite Savings
Earn interest at rates comparable to a high-yield CD on balances of $100,000 and up—without penalties when you want to make a withdrawal.
Savings Account Rates
Rates current as of April 1, 2024
Average Daily Balance | Membership Savings | Everyday Savings ^ | Preferred Savings ^^ | Premier Savings ^ | Elite Savings ^ |
|---|---|---|---|---|---|
APY* | APY* | APY* | APY* | APY* | |
$0-$99 | 0.00% | 0.10% | 4.50% | 0.10% | 0.50% |
$100 - $9,999 | 0.005% | 0.10% | 4.50% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.005% | 1.50% | 4.50% | 0.10% | 0.50% |
$15,000 - $24,999 | 0.005% | 1.50% | 1.00% | 0.10% | 0.50% |
$25,000 - $49,999 | 0.005% | 2.00% | 1.00% | 2.00% | 0.50% |
$50,000 - $99,999 | 0.005% | 2.00% | 1.00% | 2.50% | 0.50% |
$100,000 - $199,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.00% |
$200,000 - $249,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.00% |
$250,000 - $499,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.25% |
$500,000 - $1,000,000 | 0.005% | 2.00% | 1.00% | 3.00% | 4.25% |
$1,000,000 + | 0.005% | 2.00% | 1.00% | 3.00% | 4.50% |
Saving for retirement?
Talk to us about setting up a traditional IRA (individual retirement savings) account. Until age 50, you can contribute up to $6,500 a year and deduct your contribution from your taxes. After age 50, you can contribute up to $7,500 a year.
Depending on the size of your retirement savings and how long you want to keep working, we can help you decide what type of account is right for you.
Helpful resources
^Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. ^^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.
FAQ
There’s no limit, though with some accounts (like an IRA savings account), there may be limitations on when you can make withdrawals.
Vibrant pays interest you monthly, based on the average daily balance in your account that month. Even if you temporarily dip below the minimum balance required for your dividend tier, you can return to earning a higher dividend once your balance increases.
You can set up as many special savings accounts as you like, with no monthly maintenance fees. Save for vacation, a wedding, a down payment for your first house, or something less exciting (like the taxes on your freelance income).
Yes. You can only contribute to a health savings account if you have a high-deductible health plan. However, if you have a balance remaining after switching from a high-deductible plan, you can continue to use those funds for qualified medical expenses (including co-pays, coinsurance, deductibles, and other expenses).