Keep in mind

The following rates are effective as of January 27th, 2020 unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY means annual percentage yield. Conventional Loan Rates.

Which rates are you checking?


Vehicle loans

Home equity loans

Other loans

Money market


Super Savings

Membership/Club Savings



Mortgage rates

Visit our mortgage center for other information on home loans.


Mortgage Rates
Fixed RateRate As Low AsAPR As Low AsMonthly Payment per $10,000 Borrowed
30 years3.250%3.329%$43.52
20 years3.125%3.235%$56.09
15 years2.875%3.015%$68.46
10 years3.125%3.333%$97.14
Adjustable Rate
5 year ARM2.750%2.853%$40.82
7 year ARM3.250%3.329%$43.52
Veterans Affair (VA)
30 years3.375%3.836%$44.21
30 years3.250%3.768%$43.52
30 years3.250%4.259%$43.52

Rates quoted are effective as of February 18th, 2020 unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 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. 

Veterans Affair (VA)-  Available to Veterans, service members, and eligible spouses. https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp

USDA Loan- 100% financing for Purchase and Refinance. Property eligibility can be found at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp

Certificate Specials
Certificate TypeAPY
3 Month1.00%
6 Month1.25%
18 Month2.00%
48 Month1.25%

*During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. +During the term of the Bump-Up certificate, you may request that Vibrant raise your rate to the current Vibrant Credit Union published rate on the 40-month certificate. You will then earn the higher rate for the remainder of the term. You 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. APY = Annual Percentage Yield. ^$5 minimum to open account. There may be a penalty for early withdrawal.

Certificate Rates by Type
Certificate TypeAPY*
3 Month1.00%
6 Month1.25%
1 Year1.75%
18 Month2.00%
2 Year1.60%
30 Month1.00%
3 Year0.90%
40-Month Bump-Up Certificate+1.26%
5 -Year Add-On Certificate*1.50%

*APY= Annual Percentage Yield. Penalty may be imposed for early withdrawal.

Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate HELOC
80% Financing4.25%$100.00

APR may vary with credit score and loan to value ratio. 

*Per $10,000 borrowed payment based on 1% of the loan balance. 

**HELOC can go up to 100% LTV. All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. $5 Membership required for all consumer loans. $100 application fee.

Other Loan Rates
TypeAPR as Low as
Signature Loan11.50%
Shared Secure**2.00%
Vibrant Credit Mastercard9.90%
Vibrant Credit Rewards Mastercard18.00%
Variable Signature Loan+8.75%

*Conventional loan rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.
+APR may increase after consummation of the loan.
$5 Membership required for all consumer loans.

Money Market Rates
Average Daily BalanceAPY*
$0 - $99,999.990.65%

APY= Annual Percentage Yield

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. 

Super Savings Rates
Average Daily BalanceAPY*
$100,000 - $199,9990.30%
$25,000 - $99,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%
$0 - $990.00%

APY= Annual Percentage Yield

Membership/Club Savings Rates
Average Daily BalanceAPY
$100,000 - $199,9990.10%
$25,000 - $99,9990.10%
$10,000 - $24,9990.10%
$100 - $9,9990.05%

APY= Annual Percentage Yield

HSA Rates
Average Daily BalanceAPY
$100 - $4,9990.05%

*All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on accounts.

Checking Rates
Account TypeAPY
Everyday Checking0%
Moneymaker Checking3.50%
Moneymaker Checking Paired with standard Vibrant Credit Card 5.00%

APY- Annual Percentage Yield. New accounts receive first 50 checks free. Other styles available at full price; prices vary. To qualify for the 3.50% 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 swipes on their Vibrant debit card per month. To qualify for the 5.00% 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 5.00% 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.

Vehicle Loan Rates
Fixed RateVehicles/MotorcyclesNon-Standard
100% Financing* APR as low as3.75%4.50%
Monthly Payment per $1,000 borrowed**$15.55$22.84

* 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 payments for fixed standard loan based on 72 - month loan term. Monthly payments for nonstandard loan based on 48 - month loan.