A better place to keep your savings
New members can earn up to 4.40% APY* with a high-yield savings account designed to help your money grow faster.
Award-winning rates
Make your savings work harder with rates designed to help your balance grow faster.
Unlimited transactions
Easily transfer, withdraw, and manage your money whenever you need it, straight from your device.
No monthly fees
With Vibrant, you'll never be surprised by maintenance fees or minimum balance requirements.
Find the high-yield savings account for you
Digital Advantage Savings
A great first savings account for new members only.
4.40% APY*
on balances up to $5,001
MEMBER FAVORITE!
Preferred Savings
Our most popular savings account for steady growth.
4.00% APY*
on balances up to $14,999
Premier Savings
The account built for savers ready to take the next step without all the restrictions or requirements.
3.00% APY*
on balances over $25,000
Higher balances get higher rates with Elite Savings
Earn more as you grow with tiered rates that automatically increase with your balance.
Elite Savings Tier 1
3.50% APY*
on balances $100,000 - $249,999
Elite Savings Tier 2
3.75% APY*
on balances $250,000 - $999,999
Elite Savings Tier 3
4.25% APY*
on balances over $1,000,000
Award-winning. Again.
The Wall Street Journal's Buy Side named Vibrant "Best for Deposit Rates" in 2025. In 2026, they came back and added "Best Credit Union" to the list. Turns out, consistently great rates, no hoops, and nationwide, digital access tends to get noticed.
High-yield savings account rates
Average Daily Balance | Digital Advantage Savings* | Preferred Savings | Premier Savings | Elite Savings |
|---|---|---|---|---|
APY* | APY* | APY* | APY* | |
$1,000,000+ | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 4.25% |
$250,000 - $999,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 3.75% |
$100,000 - $249,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 3.50% |
$25,000 - $99,999 | 0.01% - 4.40% | 0.75% - 4.00% | 3.00% | 0.50% |
$15,000 - $24,999 | 0.01% - 4.40% | 0.75% - 4.00% | 0.10% | 0.50% |
$5,002 - $14,999 | 0.01% - 4.40% | 4.00% | 0.10% | 0.50% |
$0 - $5,001 | 4.40% | 4.00% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Digital Advantage Savings is only available for new members and must be opened online.
Preferred Savings and Digital Advantage Savings are tiered accounts; for these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings and one Digital Advantage Savings account per member.
Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
More savings account rates
Average Daily Balance | Membership Savings | Everyday Savings |
|---|---|---|
APY* | APY* | |
$10,000 - $14,999 | 0.005% | 1.00% |
$100 - $9,999 | 0.005% | 0.10% |
$0 - $99 | 0.00% | 0.10% |
*APY = "Annual Percentage Yield." APYs accurate as of August 12, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Everyday Savings account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
Ready to earn more on your money? Open a savings account.
Frequently asked questions
How old do I have to be to open an account?
You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.
What does "Digital Advantage" mean?
This account can only be opened online and that's what we call the "Digital Advantage". It's also built for new members only! If you're an existing member you have already unlocked access to our full deposit account suite — check out all of amazing high yield accounts here.
Can I open a Digital Advantage Savings account if I'm already a Vibrant member?
The Digital Advantage Savings account is exclusive to new Vibrant members only. If you're an existing member, check out all of amazing high yield accounts here.
What if I have more than $5,000 in my Digital Advantage Savings account? Do I still earn interest?
Yes! The portion of your balance under $5,000 will earn interest at the highest rate listed for Digital Advantage Savings. The portion of your balance above $5,000 will earn interest at the lowest rate listed.
If you regularly keep more than $5,000 in savings, you may want to consider adding another account. Our Preferred Savings and Premier Checking accounts are designed to deliver strong value on higher balances. Check out all of amazing high yield accounts here.
What if I have more than $15,000 in my Preferred Savings account? Do I still earn interest?
Yes! The portion of your balance under $15,000 will earn interest at the highest rate listed for Preferred Savings. The portion of your balance above $15,000 will earn interest at the lowest rate listed.
Can I open more than one Preferred Savings or Digital Advantage Savings account?
Sorry, one account per member! You can open a second savings account of a different type or a Premier Checking account if you’re looking for ways to maximize your interest earnings.
How is interest calculated and how often is it paid?
Interest dividends are paid monthly on your average daily balance for the month. So if you have an average daily balance of $100, you'll earn the interest listed for that product tier on that amount at the end of the month.
How long does it take for a mobile deposit to appear in my account?
You’ll receive an email confirmation immediately after your deposit is accepted, but your funds will not appear until they’ve been processed. On business days, we post deposits at noon, 2 p.m., and 6 p.m. CT. If you make a deposit after 4 p.m. or on a holiday or weekend, your deposit will appear at noon on the next business day.