⚠️ Fraud Alert: Scammers can spoof caller ID to look like Vibrant. No one legitimate will ever ask for your
online banking login, password, or authentication code. If it feels off, hang up and call us.
🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number.
🚨 Don’t trust the number on your screen. Scammers can make calls, texts, and emails look like they’re from Vibrant. If something feels off, hang up and call us back at our official number.
We're not just saying we're the best.
It's been scientifically proven.
Vibrant
4.00%
APY*
balances up to $14,999.99
Average Bank
0.32%
APY*
Average Credit Union
0.19%
APY*
* For illustrative purposes only. "APY" = "Annual Percentage Yield." Vibrant APYs accurate as of April 16, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Savings comparison: As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. 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.
Checking comparison: As of December 26, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.20% 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. 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.
CD comparison: As of December 26, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.29% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 2.95% APY, based on a $10,000 deposit. 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.
If you can't be the best, why even bother?
Market-leading rates
Paying you more interest on your checking and savings every day is pretty much our whole deal.
ZERO hidden requirements
No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account.
