Rates

Which rates are you checking?

Whether you’re looking to save money with a low rate on your home loan or grow your cash with a savings account - we can help. Click on the links below to get where you need to go!

Mortgage

Home equity loans

Vehicle loans

RV/Boat/Other Vehicle Loans

Credit Card and Unsecured Loans

Checking

Savings

HSA

Certificates

IRA

Business Checking

Business Money Market

These rates are effective as of May 3, 2021 unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional Loan Rates.

Mortgage rates

Visit our mortgage center for other information on home loans.

 

Mortgage Rates
Adjustable RateRate As Low AsAPR As Low AsMonthly Payment Per $10,000 Borrowed
5 year ARM2.250%2.375%$38.22
7 year ARM2.500%2.625%$39.51
Fixed Rate Purchase
30 years2.875%3.951%$41.49
20 years2.625%2.731%$53.60
15 years2.250%2.384%$65.51
10 years2.000%2.194%$92.01
Fixed Rate Refinance
30 years3.000%3.149%$42.16
20 years2.625%2.731%$53.60
15 years2.375%2.410%$66.09
10 years2.250%2.447%$93.14

Rates quoted are effective as of May 3, 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.

Ready to take the first step?
Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR As Low AsMonthly Payment Per $10,000 Borrowed
Fixed Rate HELOC
80% Financing2.750%$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.

Want to open up funds for your next big purchase?
Home Equity Loan Rates
Term/FinancingAPR As Low AsMonthly Payment Per $10,000 Borrowed
Fixed Rate
5yr Term Up to 80% LTV3.490%$181.87
10yr Term Up to 80% LTV3.990%$101.20

**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. LTV= Loan to Value. APR may vary with credit score and loan to value ratio.  Property and flood insurance may be required. $5 Membership required for all consumer loans. There is an application fee of $100. 

Ready to get started?
Vehicle Loan Rates
Year and TermAuto/Motorcycle APR As Low As*
2019 and Newer
73-84 Months2.84%
61-72 Months2.49%
Up to 60 Months2.25%
2015-2018
61-72 Months2.99%
Up to 60 Months2.75%
2010-2014
Up to 48 Months4.99%
2009 and Older
Up to 36 Months6.00%

* 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. 

Looking for flexible terms and low rates?
RV/Boat/Other Vehicle
YearAPR As Low As*
2019 and Newer4.50%
2015-20185.50%
2014 and older6.00%

*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 

Enjoy life on the road or the water!
Credit Card and Unsecured Loan Rates
TypeAPR As Low As
Vibrant Credit Rewards Mastercard18.00%
Vibrant Credit Mastercard9.90%
Signature Loan11.50%
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.

Looking to build your credit and get rewarded for it?
Checking Rates
Account TypeAPY
Everyday Checking0%
Moneymaker Checking1.50%
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.

Free checking. Great rates. Get started today!
Savings Rates
High InterestSuper SavingsMembership/ClubYellow Money Market
Average Daily BalanceAPY*APY*APY*APY*
$200,000+0.60%0.25%0.01%0.50%
$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

Ready to earn more on your money?
HSA Rates
Average Daily BalanceAPY*
$5,000+0.01%
$100 - $4,9990.01%

*APY=Annual Percentage Yield

Looking to supplement your healthcare?
Certificate Rates
CertificateAPY*
3 Month0.20%
6 Month0.30%
1 Year0.50%
15 Month*0.60%
18 Month0.45%
2 Year0.55%
30 Month0.60%
3 Year0.65%
4 Year0.70%
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.

Need to grow your cash steadily and securely?
IRA Savings Rates
Average Daily BalanceAPY*
$100,000+0.35%
$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. 

Ready to save powerfully for retirement?
Business Checking
APY*
$100,000+0.25%
$25,000 - $99,9990.15%
$0 - $24,9990.00%

*APY=Annual Percentage Yield. No monthly maintenance fees. No minimum balance requirements.

Want to ditch those monthly fees and requirements?
Business Money Market Rates
Average Daily BalanceAPY*
$500,000 +1.00%
$200,000 - $499,9990.75%
$100,000 - $199,9990.25%
$25,000 - $99,9990.01%
$10,000 - $24,9990.01%
$100 - $9,9990.01%

*APY=Annual Percentage Yield

Searching for flexibility and a high money market yield?