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Man outside on vibrantLive | Vibrant Credit Union

Welcome to Vibrant!

You can become a member no matter where you live or work—all it takes is a $5 savings deposit.

What's in it for you?

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Anywhere, anytime banking

Make deposits from your smartphone, talk face-to-face with us via vibrantLive, or get cash at 55,000+ fee-free ATMs nationwide. 

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Great rates on CDs

We offer terms as short as 3 months or as long as 5 years—with rates that are going up, up, up right now. Open an account with as little as a $5 deposit. 

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Member-only discounts

Use your Vibrant card to save on food and drinks at Vibrant Coffeehouse and Kitchen—and get ready for big surprises at Vibrant Arena.   

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A stronger community

We're committed to creating opportunities for local businesses and entrepreneurs and supporting organizations like Junior Achievement of the Heartland.

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Open an account from anywhere

Got 5 minutes and an internet connection? Then you're ready to open a Vibrant account. All you need is: 

  • Your government-issued ID/driver’s license/state ID or passport (make sure the address is current) 

  • Your complete physical and mailing address 

  • Social Security Number 

  • Date of birth 

Handle all the paperwork online—or connect via vibrantLive to speak directly to a banker. 

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Hate waiting in line? Now you don't have to.

With vibrantLive, you can connect face-to-face with one of our bankers or member service agents via your smartphone or computer. It's not only one of the fastest ways to bank—it's also one of the friendliest. 

 

Helpful resources

5 reasons to take your business banking to a credit union

Did you know some financial institutions actually charge businesses to make deposits? Credit unions, on the other hand, are focused on service, not on extra fees. 

4 tips for better money management

Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. 

What is a certificate of deposit (CD) and how does it work?

If you want to get a better rate of return on your savings without risk, a certificate of deposit could be the right solution. 

FAQs

What’s the difference between a credit union and a bank?

Credit unions like Vibrant are not-for-profit, member-owned organizations. Because we’re not trying to make money from you for our shareholders’ benefit, we generally have fewer—and lower—fees, as well as lower rates on home and auto loans and higher interest on CDs. Otherwise, we offer most of the same services the big guys do, from mobile deposit to video banking via vibrantLive.   

Does it cost anything to become a member?

Every member is required to open a Membership Savings account with a minimum $5 deposit. You'll get that money back if you ever decide to close all your accounts. (And don’t forget—our checking accounts come without monthly maintenance fees or minimum balance requirements!) 

Where are your branches located?

See a complete list of our branch and ATM locations—and keep an eye out for new Vibrant Coffeehouse and Kitchen locations coming soon, where you’ll be able to access nearly all of the services you’ll find in a traditional branch. 

Do I have to become a member to get a Vibrant credit card?

Yes, you’ll have to open a Membership Savings account and make a minimum $5 deposit.  

Can I use an ITIN instead of a Social Security Number to open an account?

Sorry, at this time, we require all members to have a Social Security Number. 

What’s your relationship with Vibrant Arena?

We acquired 10-year naming rights to Moline’s premier entertainment venue starting in September 2022. We’re currently working with the arena’s management team to make some cosmetic improvements, add new amenities, and hope to offer our members special deals on future events at some point soon! 

Can I open a Vibrant account for my minor child?

We do allow people under 18 years of age to open and use Vibrant accounts, but in some instances we may also require the account to have a co-owner who is at least 18 years old. Talk to a banker about your situation.

You can also open an account to hold the funds of a minor (a person less than 21 years old) under your state's Uniform Transfers to Minors Act. This account can only have one custodian, and any dividends and interest are reported under the minor’s name and Social Security Number. Be aware—once the minor reaches 21 years of age, it's the custodian's responsibility to transfer the funds to them. We cannot transfer ownership of the account itself.

Do you have any bankers or member services agents who speak Spanish?

Yes! Call 1-800-323-5109 and ask to be connected.