COVID-19

A Message to Our Members

Updated as of 5/7/2020

Vibrant's Geneseo Branch has resumed drive-thru service as of 8:30 this morning.  This branch will resume normal drive-thru hours as the lobby remains closed.  The drive-thru hours are as follows:

Monday-Thursday: 8:30 AM-5:00 PM

Friday: 8:30 AM-6:00 PM

Saturday: 8:30 AM-12:00 PM

Update as of 4/30/2020

Watch as President/CEO, Matt McCombs, outlines Vibrant's plan to serve our members and communities while keeping our employees, members, and communities safe.

During this evolving health situation, the safety and well-being of our employees, members, and communities is our main priority. Out of an abundance of caution and care for our communities, we want to do our part to keep you healthy, keep our employees healthy, and help minimize the spread of the virus. With that in mind, we are temporarily closing our East Moline, Milan, and Elmore branches & drive-thrus. We are also going to be closed on Saturdays at our Des Moines and Covington branches effective May 9th.  Des Moines and Covington will remain available normal hours Monday through Friday. You can view branch locations and hours at vibrantcreditunion.org/locations.  Here is a list of our offices that are currently available normal business hours:

  • Member Contact Center, Moline, IL

  • Brady Street Branch Drive-Thru, Davenport, IA

  • Bettendorf Branch Drive-Thru, Bettendorf, IA

  • Clinton Branch Drive-Thru, Clinton, IA

  • SouthPark Branch Drive-Thru, Moline, IL

  • Gilbert Branch Drive-Thru, Danville, IL

These offices will continue to offer drive-thru access during normal business hours Monday through Friday, but will be closed on Saturdays beginning May 9th:

  • Des Moines Branch Drive-Thru, Des Moines, IA

  • Covington Branch Drive-Thru, Covington, IN

This office will resume offering drive-thru access during normal business hours starting on Thursday, May 7th:

  • Geneseo Branch Drive-Thru, Geneseo, IL

Update as of 4/27/2020

Vibrant plans on reopening it's Geneseo branch drive thru on Thursday, May 7th. We care deeply about our employees, members, and communities and have made this decision to re-open two weeks after the thorough cleaning of the branch and a quarantine period for employees as recommended by the CDC.

Update as of 4/23/2020

Vibrant will be temporarily closing our Geneseo Branch & Drive Thru due to the COVID-19 pandemic. 

As we continue to monitor reports of the impact of COVID-19, we want to assure you that Vibrant remains committed to delivering outstanding service to our members.

During this evolving health situation, the safety and well-being of our employees, members, and communities is our main priority. We greatly care about our communities and want to do our part to keep you healthy, keep our employees healthy, and help minimize the spread of the virus. In that spirit, we are currently closing our Geneseo branch & drive thru to conduct thorough cleaning.

For our Members:

Vibrant understands this is a challenging time, and we have several options for you to continue accessing your account while this  branch is closed:

Update as of 3/30/2020

Over the course of the last week, the government passed and signed into law the The Coronavirus Aid, Relief and Economic Security Act, better known as the CARES Act.  The CARES Act provides relief for families, businesses, as well as state and local governments. A large portion of the relief program is focused on helping small businesses survive through the worst economic climate faced in the last two generations.  

Small businesses are the heartbeat of our communities.  In fact, we believe that our small business owners are the driving force behind Vibrant Communities.  With the release of the CARES Act, Vibrant has quickly assembled a team to help all of our community businesses, regardless of industry type or existing relationship, to navigate this new law and find all available financial resources.  

On our website you will find a calculator that will quickly identify the amount of money available to your business.   Much of this has the potential to be forgiven and the rest will be under extremely business friendly terms. 

 A few of the highlights are:

  • Eligible Businesses include all those with less than 500 employees

  • Loan sizes are the lesser of 2.5 times average monthly payroll or up to $10,000,000

  • The funds can be used for: payroll, group health, mortgage obligations, rent, utilities, or interest on other debt obligations incurred before the covered period

  • No collateral will be required, and there will be no collection of any SBA fees

  • In certain circumstances, the loan may ultimately be completely forgiven

Vibrant encourages you to visit its webpage about the Paycheck Protection Program for more comprehensive information.  Also, please consult with your trusted legal, tax, and accounting advisors to gain further information around this program.

Due to the amount of anticipated requests, I encourage you to go to our website and complete the calculator and fill out the information to get your request in as soon as possible.  This program is meant to quickly fund the needs of our small businesses and we will be processing requests as quickly as final details become available through the SBA.

Update as of 3/25/2020

As COVID-19 continues to impact the way we live, work, and interact with our friends, family, and communities, Vibrant is committed to offering services and programs to help you today and in the future.  Vibrant understands that our members and communities' physical, social, and financial health will continue to be impacted in the days and weeks to come. Please call us as your financial partner so we can help with your financial health.  We have relief programs in place, including:

  • Free Skip-a-Pay on consumer loans

  • 90-day no payments for small business members

  • Payroll relief loan + 90 days no payment

  • Vehicle relief loan up to -3% on your rate + 90 days no payment

To further support you, Vibrant has increased its digital banking solutions and Member Contact Center.  In fact, our Member Contact Center has increased by 11 agents today. You can now open new accounts or apply for a mortgage loan from the comfort of your home!  Please view our video series on how to navigate Vibrant’s digital banking solutions:

As the world navigates through the disruption that COVID-19 has brought, please reach out to us to help keep your financial health on track.

Watch the latest video from President/CEO, Matt McCombs.

Updated 3/20/2020

During these unprecedented times, Vibrant has been diligently working to provide you with solutions on how to navigate your financial life.  We have implemented top of the line digital banking solutions to support you in your normal life, but these solutions are going to play an even larger role in your financial lives with the onset of COVID-19.  You can now open a new account online in 3 easy steps!  We have developed several short videos to assist you in navigating Vibrant’s digital banking solutions.  You can view the videos for the digital banking solutions below:

On Friday, March 20th at the end of business our branch lobby access will close.  Vibrant will continue to operate drive-thrus during its normal business hours at all Vibrant Locations. Along with its digital banking solutions, Vibrant has committed to doubling the size of its Member Contact Center and is adding several staff members to its Personal Banking team over the next week to better serve our members and communities.  

COVID-19 has disrupted life as we know it.  During this time, if you need anything, please contact us via phone at (800)323-5109.

View Vibrant’s latest video update here.

Update as of 3/18/2020

After much discussion and consideration, Vibrant has made the decision to close lobby access to its branches effective end of business on Friday, March 20th.  The health of our members, employees, and communities is of utmost importance to us during this time. Vibrant will continue to operate drive-thrus during its normal business hours at all Vibrant locations

While closing lobbies was a difficult choice, we will continue to enhance our ability to serve our members and communities via phone at (800)323-5109.  Vibrant will be doubling the number of staff in its Member Contact Center to best serve our members and communities. Vibrant will also be adding several staff members to its Personal Banking team during this time.  

To continue supporting our members and communities during this challenging time, Vibrant will be offering the following:

  • Low Rate Personal Loans for up to 2 months of wages with no payments for 90 days

  • Up to 3% rate reduction in refinanced auto loans with no payments for 90 days

  • Up to 90 days of interest only payments for Business members with loans

  • One Time Free Skip-a-Pay for Consumer Loans

  • Mortgage rates as low as 2.25%

To learn more about Vibrant’s consumer loans, click here.  To apply for a mortgage loan, click here.

Vibrant continues to offer 24/7 account access via online banking and mobile banking. Our digital channels allow you to:

  • Check Your Balance

  • Access Your Transaction History

  • Pay Vibrant Loans

  • Transfer Money

  • Pay Bills

  • Pay a Person

 You can visit any of Vibrant’s 55,000+ surcharge free ATMs to access cash.

COVID-19 has disrupted life as we know it.  During this time, if you need anything, please contact us as your financial partner.

Click here to view a video update from President/CEO, Matt McCombs.

Update as of 3/17/2020

Vibrant’s Plan to Support Members and Communities During the Ongoing COVID-19 Pandemic

Today, Matt McCombs, President/CEO, outlined Vibrant’s plan to impact its members, communities, and employees during the COVID-19 pandemic.  McCombs said “As your financial partner, it's our job to make sure you’re covered in the midst of all this uncertainty”. Watch the full video message here.

During this time, Vibrant will continue to develop programs to positively impact its members, communities, and employees.  McCombs outlined the following programs going into effect today:

  • Low Rate Personal Loans for up to 2 months of wages

  • Auto Loan Refinance Rates as low as 1.9% APR with no payments for 90 days

  • Up to 90 days of interest only payments for Business members with loans

  • One Time Free Skip-a-Pay for Consumer Loans

  • Branch Lobbies remain open to serve members

Please continue to check this page as we will update Vibrant’s latest response to the COVID-19 pandemic.

Update as of 3/13/2020

At Vibrant, the health and well-being of our members, employees, and communities is our top priority. Vibrant has been closely monitoring the developing situation of COVID-19 in conjunction with the U.S. Centers for Disease Control and Prevention. We understand the concern and uncertainty you may be experiencing around COVID-19, however, Vibrant is committed to being responsive to the needs of our members, employees, and communities as this situation evolves.

At this time, Vibrant branch locations will remain open under normal operating conditions.  We have encouraged our staff to maintain strong standards of health and hygiene to best protect all individuals while dealing with the exchange of currency.  We will continue to monitor changes in our regions in the upcoming days to best handle operating hours.

Vibrant encourages you to utilize our digital and self-service banking channels during this time. You can access your account at any time via Vibrant’s online banking or by using Vibrant’s mobile banking app.  You can pay bills, check balances, deposit checks, and transfer money at the click of a button, especially when call volumes are higher than usual. 

Enroll in online access, it only takes a few minutes.  

You can also access our network of 55,000+ free ATMs to receive cash with your Vibrant Debit Mastercard.

We understand during this time there will be instances where our members will experience financial challenges. Vibrant is here to help, and we encourage our impacted members to reach out to us so we can help. 

Should you need assistance, please contact us.

Since 1935, Vibrant has been here to help our members navigate their financial lives.  Through this situation, we will be here to help you, and take whatever steps are necessary to protect and serve your financial lives!

For additional information about COVID-19, visit the Centers for Disease Control and Prevention at cdc.gov.