vibrantLive app on cell phone

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

I need help with my account. When is your member services team available?

Our regular business hours are from 8:30 a.m. to 5:00 p.m. Monday through Friday and 8:30 a.m. to noon on Saturday. 

If you need to report that your debit or credit card has been lost or stolen, and it's after our regular business hours, call 1-800-323-5109 and press 1.


I got locked out of my online account. What do I do?

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.

I forgot my password. What do I do?

Click here to reset your password.

How do I set up an automatic payment?

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.

How do I keep debit or credit transactions from being blocked while I’m traveling?

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.

I got a text message about a fraudulent charge. What should I do?

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.

What should I do if I lose my card?

During regular business hours, reach out to our Member Contact Center by calling 1-800-323-5109 to let us know and request a new card.

After hours, contact Mastercard directly at  1-800-MASTERCARD (1-800-627-8372) to prevent unauthorized charges.

What is Skip-a-Pay and how do I sign up?

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

We'll get back to you as soon as possible during our regular business hours (8:30 a.m. to 5:00 p.m. Monday through Friday, plus 8:30 a.m. to noon on Saturday).


New to Vibrant?

Tap into your home's equity

couple looking over mortgage papers at home

Open a HELOC (home equity line of credit) for access to instant cash when you need it. We offer a lower interest rate than the typical credit card, and you can keep drawing on your line for up to 15 years.

Rates as low as 8.000%*

Make your dream car a reality

car with hand out the window

Go electric. Put the top down. Or take the boat up to the lake. It’s up to you.

  • Easy application, fast approval 

  • No fees, no down payment required

  • Financing for up to 84 months

*By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. For your protection, please do not provide any personal account information. To communicate specific account information with us please give us a call at 800.323.5109, message us through online banking or stop into any of our branch locations.