Vibrant's 3% CD Promotion - Money tree sprout

Earn 4.00% APY* on a 30-month CD

Take advantage of our best CD rate in years when you deposit $5 or more.

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Which CD is right for you?

15-month

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

Current rate

3.75% APY*

40-month bump

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

Current rate

3.30% APY*⁺

5-year add-on

Keep your savings growing with this flexible CD that allows you to keep adding to your initial deposit throughout the term of your certificate—and earn the same great rate.

Current rate

0.80% APY*

Invest in a CD

Term	APY*
3 Month	0.20%
6 Month	0.30%
1 Year	0.20%
15 Month**	3.75%
18 Month	0.30%
2 Year	0.40%
30 Month	4.000%
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.

Helpful resources

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

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

Understanding why interest rates change

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

Money-saving tips for college graduates

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

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Earn 4.00% APY* on a 30-month CD

Which CD is right for you?

15-month

Current rate

3.75% APY*

40-month bump

Current rate

3.30% APY*+

5-year add-on

Current rate

0.80% APY*

Helpful resources

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

Understanding why interest rates change

Money-saving tips for college graduates

3.30% APY*⁺