Savings Accounts

It all starts with $5

It all started in 1935 with $5 and a dream. That’s right, our eight founding members pooled together $5 each, and the rest is history. That’s why every membership at Vibrant starts with just $5 in a savings account. From there, the options multiply to provide a unique banking solution for everyone. Whether you’re saving for retirement, Christmas presents, or just a rainy day, we know you’re always looking to the future. So, we’ve created options to make it easy to prepare for all of life’s milestones.

Ready to go?

High Interest | Super Savings | Membership/Club | Yellow MoneyMarket

Get started making your savings account work for you! With a market leading rate offer, there is no time like the present to start having your money earn more. Best of all, these savings accounts have the safety of NCUA Insurance.

Savings Rates
High InterestSuper SavingsMembership/ClubYellow Money Market
Average Daily BalanceAPY*APY*APY*APY*
$100,000 - $199,9990.50%0.20%0.01%0.50%
$25,000 - $99,9990.25%0.25%0.01%0.25%
$10,000 - $24,9990.10%0.10%0.01%0.25%
$100 - $9,9990.10%0.10%0.01%0.25%
$0 - $990.10%0.10%0.00%0.25%

*APY=Annual Percentage Yield


Having a Health Savings Account (HSA) means the health of your wallet isn’t dependent on the health of your body. With tax-deductible deposits and tax-free withdrawals for qualified medical expenses, you won’t have to worry about losing an arm and a leg when you injure your arm or your leg! Doctor visits, prescription drugs and qualified over-the-counter medicine can all be paid for with your HSA debit card. Log in online to check in on your balance to see where you stand.

To be eligible for an HSA, you must meet the following eligibility requirements:

- Covered by a high-deductible health plan (no other health coverage, including Medicare)

- Unable to be claimed as a dependent on another person's tax return

- Under 65 (Individuals may not make regular contributions to an HSA at this age, but they can continue to use the invested funds)

Please note: people who have not signed up for Medicare and meet all of the other requirements can contribute to an HSA.

HSA Rates
Average Daily BalanceAPY
$100 - $4,9990.01%

APY=Annual Percentage Yield

Get your free HSA today!


When it comes to individual retirement accounts, there are two ways you can go: traditional and Roth (Don’t look at us. We didn’t name them). There are a few rules that apply to both types, however. Mainly, you must be under 70½ to open one. In addition, you can’t withdraw any funds from the account until you are 59½. As always, consult your tax adviser for more information on exactly how an IRA will affect your specific tax burden

Traditional - Less tax up front, more at the back. With your traditional IRA, every time you make a deposit, you can deduct that from your gross income. However, once you withdraw those funds, you will pay taxes on the whole kit and kaboodle. 

Roth - Taxes as you go, none at the end. With a Roth IRA, your deposits are not tax-deductible. That means you pay taxes on your money as you deposit it into your account. The silver lining? When you withdraw your funds in retirement, you don’t pay a dime to the government. 

IRA Savings Rates
Average Daily BalanceAPY*
$50,000 - $99,9990.30%
$25,000 - $49,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%

*APY= Annual Percentage Yield. Any fees could reduce potential earnings. 

Your retirement is in good hands. Get started today!