* For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of March 24, 2024, NCUA reports the national average interest rate for savings accounts offered by banks is 0.34% APY, based on a $2,500 balance, and  the national average interest rate for savings accounts offered by credit unions is 0.21% APY, based on a $2,500 balance.  Vibrant APY is for the Preferred Savings account and is accurate as of April 24, 2024. Rates are subject to change. 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​. $5 Membership Share account required. Federally insured by NCUA. 

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Checking comparison: As of March 24, 2024, NCUA reports the national average rate for interest checking accounts offered by banks is 0.22% APY, based on a $2,500 balance, and  the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Vibrant APY is for the Premier Checking account and is accurate as of April 24, 2024. 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.

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CD comparison: As of March 24, 2024, NCUA reports the national average rate for 1-year CD offered by banks is 2.33% APY, based on a $10,000 deposit, and  the national average rate for a 1-year CD offered by credit unions is 3.26% APY, based on a $10,000 deposit. 

 

Vibrant APY is for the 13-month CD and is accurate as of April 24, 2024. When the 13-month certificate matures it will automatically renew into a 12-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.  

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