
NEW! Talk with us face-to-face from anywhere
Now you don't have to take time from your busy day to visit one of our branches. Become a member, open an account, apply for an auto or personal loan, and more via vibrantLive.
Frequently asked questions
Listen, it happens to everyone occasionally. Call 1-800-323-5109 to reset your account. We can also confirm your username and reset your password.
Click here to reset your password.
If you’re setting up a payment for a Vibrant loan or credit card, you can choose “Pay” from your dashboard. On the next screen, select the appropriate option, then your desired payment frequency.
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To protect your account against fraudulent charges, we may block transactions that originate from outside your geographic area. If you plan to travel or are already on the road, you can call 1-800-323-5109 to let us know. (After 5 p.m. and on weekends or holidays, choose option 2 from the voicemail menu.) You can also log in to your online banking account and send us a message.
If you receive a message about a potentially fraudulent charge, let us know whether you recognize the transaction by replying to the text or calling us at 1-800-323-5109.
You should immediately contact 1-800-MASTERCARD (1-800-627-8372) to ensure no unauthorized charges are made to your account. They will be able to take care of issuing your new card.
Vibrant members can choose to skip a monthly payment on their Vibrant auto loan, personal loan, or credit card up to two times a year (non-consecutive months only).
The cost of the service is $100 for minimum payments up to $200 and $180 for payments above $200. Get more information or request Skip-a-Pay.
Need to get in touch?
Current Vibrant members
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Send a secure message 24/7 through your online banking app.
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Shoot us an email at hello@vibrantcu.org.
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Get help with your current account or get a new account, credit card, or loan via vibrantLive (regular business hours only).
New to Vibrant?
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Become a member, open an account, or apply for a loan or credit card through vibrantLive (regular business hours only)
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Get started with an online application.
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Email us at hello@vibrantcu.org with any other questions
Find your happy place

Buy a home, refinance a home, or use the value of your home to do more.
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Fast & friendly service
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Low fees & competitive rates
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Down payment assistance of up to $6,000 for qualified members
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In-house servicing for most loans
Make your dream car a reality

Go electric. Put the top down. Or take the boat up to the lake. It’s up to you.
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Easy application, fast approval
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No fees, no down payment required
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Financing for up to 84 months