Lock in "the best CD rates available" while you can
Don't just take our word for it—Investopedia, MarketWatch and CBS News agree.
Featured rates
Rates this high may soon be history. You can lock them in now with a minimum $5 deposit.
New and current Vibrant members
New and current Vibrant members
Investopedia calls this CD one of the "Best CD Rates Today." It's yours with a minimum deposit of $5.
New and current Vibrant members (new money only)
Get an extra 0.10% APY added to your certificate if you have a Vibrant Preferred Savings account with a balance of $10,000 or more.
Preferred members
(new money only)
Lock in an extra 0.25% APY if you have a Vibrant Elite Savings account with a balance of at least $100,000. It might just be the best CD rate in the country right now.
Elite members (new money only)
*APY="Annual Percentage Yield." Rates current as of October 28, 2024. Investopedia included Vibrant’s 6-Month CD in its list of October’s Best CD Rates. See https://www.investopedia.com/best-cd-rates-4770214 for details. CBS News named Vibrant's 6-Month CDs one of "the 12 best CDs to open before rates change" in September 2024. See 12 best CDs to open before rates are cut in September - CBS News for more information. The 6-Month CD was also a MarketWatch Pick for September 2024.
The 6-Month Certificate Special has a base APY of 5.00%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 6-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 6-Month Certificate is $250,000. Limit of two (2) 6-Month Certificates per member. The 6-Month Certificate will auto-renew into a 6-month certificate at the rate available at the time of maturity.
The 13-Month Certificate will mature into a 12-month certificate at the rate available at the time of maturity.
The 23-Month Certificate will mature into a 24-month certificate at the rate available at the time of maturity.
$5 minimum to open account. $5 Membership Share account required. Penalty may be imposed for early withdrawal. Federally insured by NCUA.
Frequently asked questions
1. Any U.S. citizen or permanent resident of the U.S. can become eligible for Vibrant membership by joining the Illinois Consumer Council. The ILCC is a nonprofit member organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership.
OR
2. You can qualify for membership without joining the ILCC if you are a U.S. citizen or permanent U.S. resident who fits into one of the following categories:
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You're a member of one of the associations we partner with
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You're a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S.
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Your domestic partner or immediate family member is a current Vibrant Credit Union member
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You live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area:
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Illinois
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Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County
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Indiana
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Fountain, Vermillion, and Warren
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Iowa
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Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren
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Wisconsin
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Grant, Green, and Lafayette
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This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online.-
These rates are available for a limited time only, so don't miss the opportunity to maximize your earnings before the Federal Reserve decides it's time to cut rates.
You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options.
If you already have money on deposit at Vibrant—whether that’s in a checking or savings account or another CD—you cannot use those funds to open a 6-month CD unless you’ve deposited those funds within seven (7) calendar days of opening a 6-month CD.
Similarly, if you move funds from Vibrant to another financial institution, those funds cannot be redeposited as “new money” for at least 60 days.
Sorry, you can’t—but we’re glad you like our high-yield savings accounts! Members are only eligible for a single rate bonus for the 6-month CD. But hey, 5.25% APY is still a pretty terrific rate.
If you are opening a 6-month certificate, be aware that there's a maximum deposit of $250,000. Each member has the opportunity to purchase a maximum of two 6-month certificates.
There are no deposit limits on any of our other CDs—but you might also want to check out our Elite Savings account.
We’ll reach out to you shortly before your CD reaches its maturity date to find out if you want to withdraw cash, roll your deposit into a different CD, or let it automatically renew. The 6-month certificate will renew as a 6-month CD at the rate available at the time of maturity. The 13-month CD will renew as a 12-month CD at the rate available at the time of maturity. The 23-month CD will renew as a 24-month CD at the rate available at the time of maturity.