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Bank with the Best in Deposit Rates
Paying you more interest on your checking and savings is kind of our thing—and it’s why our rates are nationally recognized.
Let’s find the right rate for you.
Whether you’re saving, spending, or doing a little of both, explore our account options and find the rates that fit your needs.
For Individuals
*APY = "Annual Percentage Yield." These rates are effective as of November 14, 2025. Unless otherwise noted, rates are subject to change without notice. Used with permission. ©2025 Dow Jones & Company, Inc.
Personal checking account rates
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% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
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.
Personal savings account rates
Average Daily Balance | Membership Savings | Everyday Savings | Preferred Savings | Premier Savings | Elite Savings |
|---|---|---|---|---|---|
APY* | APY* | APY* | APY* | APY* | |
$1,000,000+ | 0.05% | 1.75% | 0.75% – 4.00% | 3.25% | 4.25% |
$250,000 - $999,999 | 0.05% | 1.75% | 0.75% – 4.00% | 3.25% | 4.00% |
$100,000 - $249,999 | 0.05% | 1.75% | 0.75% – 4.00% | 3.25% | 3.75% |
$25,000 - $99,999 | 0.05% | 1.75% | 0.75% – 4.00% | 3.25% | 0.50% |
$15,000 - $24,999 | 0.05% | 1.25% | 0.75% – 4.00% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.05% | 1.25% | 4.00% | 0.10% | 0.50% |
$100 - $9,999 | 0.05% | 0.10% | 4.00% | 0.10% | 0.50% |
$0 - $99 | 0.00% | 0.10% | 4.00% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
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.
Certificate of Deposit (CD) rates
Term | APY* |
|---|---|
6-Month CD Special | 4.15% |
13-Month CD Special | 4.00% |
48-Month CD | 3.65% |
23-Month CD Special | 3.50% |
30-Month CD | 3.50% |
40-Month Bump-Up CD Special | 3.35% |
8-Month CD | 0.01% |
9-Month CD | 0.01% |
12-Month CD | 0.01% |
15-Month CD Special | 0.01% |
18-Month CD | 0.01% |
24-Month CD | 0.01% |
36-Month CD | 0.01% |
5-Year Add-On CD | 0.01% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. All certificates require a $5 minimum opening balance. $5 Membership Share account required. A penalty may be imposed for early withdrawal. Federally insured by NCUA.
The 6-month Certificate Special will auto-renew into a 6-month certificate at the rate available at the time of maturity.
9-, 13- and 15-month certificates will automatically renew into a 12-month term at maturity.
The 23-month CD will automatically renew into a 24-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.
The 8-month Certificate Special will auto-renew into a 6-month certificate when the certificate matures.
During the term of the Add-On certificate, you may make deposits of $5 or more at any time.
Insured Money Market rates
Average Daily Balance | APY* |
|---|---|
up to $15,000,000 | 3.14% |
*APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA.
Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.
Protect your funds with extended NCUA insurance coverage. Get started now.
Individual Retirement Account (IRA) rates
Average Daily Balance | APY* |
|---|---|
$100,000+ | 0.35% |
$50,000 - $99,999 | 0.30% |
$25,000 - $49,999 | 0.10% |
$100 - $24,999 | 0.01% |
$0 - $99 | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
IRA 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. Any fees could reduce potential earnings.
Make retirement planning less taxing. Talk to us about an IRA.
Health Savings Account (HSA) rates
Average Daily Balance | APY* |
|---|---|
$100+ | 0.01% |
$0 - $99 | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
HSA 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. Any fees could reduce potential earnings.
Looking to supplement your healthcare coverage? Talk to us about an HSA.
Business checking account rates
Average Daily Balance | Standard Business Checking | Community Business Checking |
|---|---|---|
APY* | APY* | |
$100,000+ | 0.25% | 1.00% - 3.00% |
$50,000 - $99,999 | 0.15% | 1.00% - 3.00% |
$25,000 - $49,999 | 0.15% | 3.00% |
$0 - $24,999 | 0.00% | 3.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
The Community Checking Account and Standard Business Checking Account are a 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.
Want to be part of a community that earns interest? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started.
Business savings account rates
Average Daily Balance | Standard Business Savings | Community Business Savings |
|---|---|---|
APY* | APY* | |
$25,000+ | 0.005% | 3.25% |
$100 - $24,999 | 0.005% | 3.25% |
$0 - $99 | 0.00% | 3.25% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
The Standard Business Savings and Community Business Savings Account 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.
Ready to earn a higher yield on your money? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started.
Insured Money Market rates
Average Daily Balance | APY* |
|---|---|
up to $15,000,000 | 3.14% |
*APY = "Annual Percentage Yield." APYs accurate as of January 2nd, 2026. Rates subject to change without notice. The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Insurance provided through program credit union. Deposits remaining with Vibrant are federally insured by the NCUA.
Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.
Protect your business funds with extended NCUA insurance coverage. Get started now.
Business Money Market rates
Average Daily Balance | APY* |
|---|---|
$500,000+ | 0.75% |
$100 - $499,999 | 0.01% |
$0 - $99.99 | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of November 14, 2025. Rates subject to change without notice. $5 Membership Share account required. 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.
Searching for flexibility and earnings on your balance? Give us a call at 309-326-3128 or email relationshipmgrs@vibrantcu.org to get started.
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