Save like you mean it

There’s never a bad time to start saving more.

Open an account

Choose the account that fits your goals

Membership savings

Start your nest egg with a $5 deposit and make unlimited monthly transactions.

Current Rate

0.01% APY*

Yellow Money Market

The larger your balance, the better your rate—starting with as little as $10,000. Act fast, because once this offer is gone, it's gone forever.

Featured rate

2.00%% APY*

on balances of $200,000+

Health savings account

Set aside pre-tax dollars from your paycheck to cover costs associated with your high-deductible health plan, including co-pays, coinsurance, and deductibles

Current rate

0.01% APY*

for balances of $100 or more

Open an account

Average daily balance	High Interest	Super Savings	Membership / Club	Yellow Money Market
$200,000+	0.40%*	0.25%*	0.01%*	2.00%*
$100,000 - $199,999	0.40%*	0.20%*	0.01%*	1.00%*
$25,000 - $99,999	0.01%*	0.01%*	0.01%*	0.25%*
$10,000 - $24,999	0.01%*	0.01%*	0.01%*	0.10%*
$100 - $9,999	0.01%*	0.01%*	0.01%*	0.01%*
$0 - $99	0.01%*	0.01%*	0.00%*	0.01%*

*APY=Annual Percentage Yield

Saving for retirement can be taxing

That’s why Vibrant offers both traditional and Roth IRA savings accounts. Whether you prefer to maximize your savings dollars or avoid taxes as you make withdrawals, we have a solution that works for you.

Open an IRA savings account

Helpful resources

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.

What is a certificate of deposit and how does it work?

You don’t need a lot of money to invest in a certificate of deposit—just a little patience.

FAQ

Is there a limit on the number of fee-free transactions I can make through my savings account each month?

There’s no limit, though with some accounts (like an IRA savings account), there may be limitations on when you can make withdrawals.

How often is interest paid on my savings account?

Vibrant pays interest you monthly, based on the average daily balance in your account that month. Even if you temporarily dip below the minimum balance required for your dividend tier, you can return to earning a higher dividend once your balance increases.

I want to set aside money for my next vacation away from my primary savings account. Can I set up a separate savings account for that?

You can set up as many special savings accounts as you like, with no monthly maintenance fees. Save for vacation, a wedding, a down payment for your first house, or something less exciting (like the taxes on your freelance income).

Do I need to have a high-deductible health plan to open a health savings account?

Yes. You can only contribute to a health savings account if you have a high-deductible health plan. However, if you have a balance remaining after switching from a high-deductible plan, you can continue to use those funds for qualified medical expenses (including co-pays, coinsurance, deductibles, and other expenses).

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