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Spend your money and your time wisely

Get fast, friendly service whether you bank in person, at an ATM, or on your phone.

Become a member

Why bank with Vibrant?

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No monthly maintenance fees
Pay bills, make deposits, and transfer funds from your smart device
Fee-free ATMs at 55,000+ locations worldwide
Free credit monitoring, including access to your credit score
Nationwide in-person banking at shared branch locations
Use Apple Pay and Google Pay to make cash purchases

Open an account

How can we help you?

Checking

Access 55,000 fee-free ATMs, a nationwide network of shared branch locations, and 24/7 online banking with no minimum balance requirement and no monthly maintenance fees.

Featured rate

Earn as much as 1%* on your balance

Learn more

Savings

Start your Vibrant membership with a $5 savings deposit and start earning interest as soon as your balance reaches $100 or more

Featured rate

Earn as much as 0.50%* on your balance

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Credit cards

Find the right card for how you prefer to spend—whether you want to carry a balance at industry-leading low rates or earn cash back and pay your balance in full each month.

Featured rate

Rates as low as 9.90%* on unpaid balances with Vibrant Credit Mastercard

Learn more

Checking Rates

Account Type	APY
Everyday Checking	0%
Moneymaker Checking	0.50%
Moneymaker Checking paired with Vibrant Credit Card	1.00%
APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 0.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 PIN or signature-based transactions on their Vibrant debit card posted per calendar month to qualify. To qualify for the 1.00% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1,000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions. Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 2.00% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .10% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. Checking program details, benefits and rebates subject to change without notice.

Savings Rates

	High Interest	Super Savings	Membership/Club	Yellow Money Market
Average Daily Balance	APY*	APY*	APY*	APY*
$200,000+	0.50%	0.25%	0.01%	0.50%
$100,000-$199,999	0.50%	0.20%	0.01%	0.50%
$25,000-$99,999	0.01%	0.01%	0.01%	0.01%
$10,000-$24,999	0.01%	0.01%	0.01%	0.01%
$100-$9,999	0.01%	0.01%	0.01%	0.01%
$0-$99	0.01%	0.01%	0.01%	0.01%

Credit Card Rates & Unsecured Loans

Type	APR as low as*
Vibrant Rewards Mastercard	18.00%
Vibrant Credit Mastercard	9.90%
Signature Loan	8.75%
Share Secured	2.00%
*Above certificate/savings rate earned. $5 Membership required for all consumer loans.

Helpful resources

Will a checking account affect your credit score?

Provided your account is in good standing, how much you have in the bank is much less important than how much you owe.

Tips for choosing a savings account

Pay attention to transaction limits, minimum balance requirements, and other details.

5 essential money-saving tips for college graduates

It’s a surprisingly good time to start saving regularly.

Message us

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Find a location

Spend your money and your time wisely

Why bank with Vibrant?

How can we help you?

Checking

Featured rate

Savings

Featured rate

Credit cards

Featured rate

Checking Rates

Savings Rates

Credit Card Rates & Unsecured Loans

*Above certificate/savings rate earned. $5 Membership required for all consumer loans.

Helpful resources

Will a checking account affect your credit score?

Tips for choosing a savings account

5 essential money-saving tips for college graduates