Earn 4.50% APY* on a 18-month CD

Take advantage of our best CD rate in years—with a minimum deposit of just $5.

Which CD is right for you?

Want to lock in a great rate for a longer term? Keep your earnings high for the next two years and beyond.

When your money's here for a good time, not a long time. Earn a great return with a short commitment.

Lock in a great rate with the option to "bump" your rate once during the term of your certificate if rates continue to rise.

Term	APY*
3 Month	0.20%
6 Month	0.30%
1 Year	0.20%
15 Month**	3.75%
18 Month	4.50%
2 Year	0.40%
30 Month	4.00%
36 Month	0.50%
40 Month Bump Up Special⁺	3.30%
48 Month	0.65%
5 - Year Add-On Certificate***	0.80%
APY= Annual Percentage Yield. 15 month certificate will automatically renew into a 12-month term at maturity. **During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. +For the 40-Month Bump Certificate Special, members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 6-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal.

A longer term doesn’t always guarantee a better interest rate.

While no one can predict exactly when interest rates will change, you can keep track of the larger economic factors that affect them.

It’s a great idea to start putting money into your emergency fund now.