Rates

These rates are effective as of December 4, 2024. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria.

Which rates are you checking?

Checking

Savings

Certificates of deposit (CDs)

Credit cards

HSA
IRA
Business checking

Business membership savings

Business money market

Community checking

Community savings

Ready to make your money work harder? Open a checking account.

*APY = "Annual Percentage Yield." APYs accurate as of December 4, 2024. **Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Account	Average Daily Balance	APY*
Everyday Checking	Any	0.00%
Premier Checking**	$0 - $24,999	4.00%
Premier Checking**	$25,000+	1.50% – 4.00%

Checking Account Rates

Saving Accounts Rates

Average Daily Balance	Membership Savings	Everyday Savings ^	Preferred Savings ^^	Premier Savings ^	Elite Savings ^
	APY*	APY*	APY*	APY*	APY*
$0-$99	0.00%	0.10%	4.50%	0.10%	0.50%
$100 - $9,999	0.05%	0.10%	4.50%	0.10%	0.50%
$10,000 - $14,999	0.05%	1.50%	4.50%	0.10%	0.50%
$15,000 - $24,999	0.05%	1.50%	1.00% – 4.50%	0.10%	0.50%
$25,000 - $49,999	0.05%	2.00%	1.00% – 4.50%	3.50%	0.50%
$50,000 - $99,999	0.05%	2.00%	1.00% – 4.50%	3.50%	0.50%
$100,000 - $199,999	0.05%	2.00%	1.00% – 4.50%	3.50%	4.00%
$200,000 - $249,999	0.05%	2.00%	1.00% – 4.50%	3.50%	4.00%
$250,000 - $499,999	0.05%	2.00%	1.00% – 4.50%	3.50%	4.25%
$500,000 - $1,000,000	0.05%	2.00%	1.00% – 4.50%	3.50%	4.25%
$1,000,000 +	0.05%	2.00%	1.00% – 4.50%	3.50%	4.50%

^Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. ^^Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member.

*APY = "Annual Percentage Yield." APYs accurate as of December 4, 2024. $5 Membership Share account required. Federally insured by NCUA.

Ready to earn more on your money? Open a savings account.

Certificate of Deposit (CD) Rates

Term	APY*
6-Month CD Special (2)	4.50%
8 Month++	0.01%
9-Month***	0.01%
12 Month	0.01%
13 Month***	4.25%
15 Month***	0.01%
18 Month	0.01%
23 Month (1)	4.00%
24 Month	0.01%
30 Month	0.50%
36 Month	0.01%
40 Month Bump Up Special(+)	1.90%
48 Month	0.01%
5-Year Add-On Certificate**	0.01%

APY= Annual Percentage Yield. During the term of the Add-On certificate, you may make deposits of $5 or more at anytime.

9-, 13- and 15-month certificates will automatically renew into a 12-month term at maturity.

+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 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity.

1. 23-month CD will automatically renew into a 24-month term at maturity.

2. The 6-Month Certificate Special has a base APY of 4.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 6-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 6-Month Certificate is $250,000. Limit of two (2) 6-Month Certificates per member. The 6-Month Certificate will auto-renew into a 6-month certificate at the rate available at the time of maturity.

$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.

Need to grow your cash steadily and securely? Open a CD.

Credit Card Rates

Type	APR as low as
Vibrant Credit Mastercard	9.90%

APR = “Annual Percentage Rate.” APRs accurate as of December 4, 2024. $5 Membership Share account required. Rates subject to change without notice.

Looking to supplement your healthcare coverage? Talk to us about an HSA.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.

Average Daily Balance	APY*
$100 - $4,999	0.01%
$5,000+	0.01%

Health Savings Account (HSA) Rates

Want to ditch those monthly fees and requirements? Open a business checking account.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. Business Checking is a tiered account; if the balance falls within the range for a particular tier, the dividend rate applicate to that tier will apply to the full balance. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.

Average Daily Balance	APY*

Business Checking Account Rates

Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Average Daily Balance	APY*
$100+	0.005%
$0 – $99.99	0.00%

Business Membership Savings Rates

Searching for flexibility and earnings on your balance? Open a business money market account.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.

Average Daily Balance	APY*
$100 - $9,999	0.01%
$10,000 - $24,999	0.01%
$25,000 - $99,999	0.01%
$100,000 - $199,999	0.01%
$200,000 - $499,999	0.01%
$500,000 +	1.00%

Business Money Market Rates

Learn more

Looking for mortgage rates?

Individual Retirement Account (IRA) Rates

Average Daily Balance	APY*
$100 - $9,999	0.01%
$10,000 - $24,999	0.01%
$25,000 - $49,999	0.10%
$50,000 - $99,999	0.30%
$100,000 +	0.35%

*APY = “Annual Percentage Yield.” APYs accurate as of December 4 , 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.

Are you a small or mid-sized business looking for a checking account that earns interest? Talk to a relationship manager about a community checking account.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.

Average Daily Balance	APY*
$50,000+	1.00%
$0 to $49,999.99	3.00%

Community Checking Rates

Are you a small or mid-sized business looking for a higher yield on your savings? Talk to a relationship manager about a community savings account.

*APY = “Annual Percentage Yield.” APYs accurate as of December 4, 2024. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Average Daily Balance	APY*

$0 and up	3.50%