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Credit Card and Unsecured Loans
These rates are effective as of July 26, 2021 unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional Loan Rates.
Visit our mortgage center for other information on home loans.
| Adjustable Rate | Rate As Low As | APR As Low As | Monthly Payment Per $10,000 Borrowed |
|---|---|---|---|
| 5 year ARM | 2.500% | 2.532% | $39.51 |
| 7 year ARM | 2.750% | 2.783% | $40.82 |
| Fixed Rate Purchase | |||
| 30 years | 2.750% | 2.783% | $40.82 |
| 20 years | 2.625% | 2.671% | $53.60 |
| 15 years | 2.125% | 2.184% | $64.93 |
| 10 years | 2.000% | 2.087% | $92.01 |
| Fixed Rate Refinance | |||
| 30 years | 2.750% | 2.783% | $40.82 |
| 20 years | 2.625% | 2.671% | $53.60 |
| 15 years | 2.125% | 2.184% | $64.93 |
| 10 years | 2.000% | 2.087% | $92.01 |
Rates quoted are effective as of July 26, 2021 unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee.
Equal Housing Opportunity
| Term/Financing | APR As Low As | Monthly Payment Per $10,000 Borrowed |
|---|---|---|
| Fixed Rate HELOC | ||
| 80% Financing | 2.750% | $100.00 |
*Per $10,000 borrowed payment based on 1% of the loan balance.
**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. Rates quoted based on 730 credit score, LTV 80%, owner occupied property. APR may vary with credit score and loan to value ratio. HELOC can go up to 100% CLTV but terms may vary. Property, home, and flood insurance may be required.
Equal Housing Opportunity
| Term/Financing | APR As Low As | Monthly Payment Per $10,000 Borrowed |
|---|---|---|
| Fixed Rate | ||
| 5yr Term Up to 80% LTV | 3.490% | $181.87 |
| 10yr Term Up to 80% LTV | 3.990% | $101.20 |
**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. Rates quoted based on 730 credit score, LTV 80%, owner occupied property. APR may vary with credit score and loan to value ratio. Property, home, and flood insurance may be required.
Equal Housing Opportunity
| Year and Term | Auto/Motorcycle APR As Low As* |
|---|---|
| 2019 and Newer | |
| 73-84 Months | 2.84% |
| 61-72 Months | 2.49% |
| Up to 60 Months | 2.25% |
| 2015-2018 | |
| 61-72 Months | 2.99% |
| Up to 60 Months | 2.75% |
| 2010-2014 | |
| Up to 48 Months | 4.99% |
| 2009 and Older | |
| Up to 36 Months | 6.00% |
* Conventional loan rates. Interest rates determined by individual credit score, term of the loan and year of collateral. $5 Membership required for all consumer loans.
** Monthly payment of $14.99 for every $1,000 borrowed for fixed auto/motorcycle loan based on 72 - month loan term.
| Year | APR As Low As* |
|---|---|
| 2019 and Newer | 4.50% |
| 2015-2018 | 5.50% |
| 2014 and older | 6.00% |
*Conventional loan rates. Interest rates determined by individual credit score, term of the loan, and year of the collateral. $5 membership required for all consumer loans. Monthly payment of $22.80 for every $1,000 borrowed based on a 48-month loan term
| Type | APR As Low As |
|---|---|
| Vibrant Credit Rewards Mastercard | 18.00% |
| Vibrant Credit Mastercard | 9.90% |
| Signature Loan | 11.50% |
| Variable Signature Loan+ | 8.75% |
| Share Secured* | 2.00% |
*Above certificate/savings rate earned.
+APR may increase after consummation of the loan.
$5 Membership required for all consumer loans.
| Account Type | APY |
|---|---|
| Everyday Checking | 0% |
| Moneymaker Checking | 1.50% |
| Moneymaker Checking Paired with standard Vibrant Credit Card | 2.50% |
APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 1.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 PIN or signature-based transactions on their Vibrant debit card posted per calendar month to qualify. To qualify for the 2.50% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions. Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 2.50% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .20% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. Checking program details, benefits and rebates subject to change without notice.
| High Interest | Super Savings | Membership/Club | Yellow Money Market | |
|---|---|---|---|---|
| Average Daily Balance | APY* | APY* | APY* | APY* |
| $200,000+ | 0.50% | 0.25% | 0.01% | 0.50% |
| $100,000 - $199,999 | 0.50% | 0.20% | 0.01% | 0.50% |
| $25,000 - $99,999 | 0.01% | 0.01% | 0.01% | 0.01% |
| $10,000 - $24,999 | 0.01% | 0.01% | 0.01% | 0.01% |
| $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
| Average Daily Balance | APY* |
|---|---|
| $5,000+ | 0.01% |
| $100 - $4,999 | 0.01% |
*APY=Annual Percentage Yield
| Certificate | APY* |
|---|---|
| 3 Month | 0.20% |
| 6 Month | 0.30% |
| 1 Year | 0.20% |
| 15 Month* | 0.60% |
| 18 Month | 0.25% |
| 2 Year | 0.30% |
| 30 Month | 0.35% |
| 3 Year | 0.40% |
| 4 Year | 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. ^$5 minimum to open account. Penalty may be imposed for early withdrawal.
| Average Daily Balance | APY* |
|---|---|
| $100,000+ | 0.35% |
| $50,000 - $99,999 | 0.30% |
| $25,000 - $49,999 | 0.10% |
| $10,000 - $24,999 | 0.01% |
| $100 - $9,999 | 0.01% |
*APY= Annual Percentage Yield. Any fees could reduce potential earnings.
| APY* | |
|---|---|
| $100,000+ | 0.25% |
| $25,000 - $99,999 | 0.15% |
| $0 - $24,999 | 0.00% |
*APY=Annual Percentage Yield. No monthly maintenance fees. No minimum balance requirements.
| Average Daily Balance | APY* |
|---|---|
| $500,000 + | 1.00% |
| $200,000 - $499,999 | 0.75% |
| $100,000 - $199,999 | 0.25% |
| $25,000 - $99,999 | 0.01% |
| $10,000 - $24,999 | 0.01% |
| $100 - $9,999 | 0.01% |
*APY=Annual Percentage Yield