Rates

Which rates are you checking?

These rates are effective as of September 12, 2023. 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.

Certificates of deposit (CDs)

Credit card and unsecured loans

Business checking

Business money market

Home equity line of credit (HELOC) loans

Checking Account Rates

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

*APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. **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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Savings Account Rates

	Membership Savings	Everyday Savings^{^}	Preferred Savings^{^^}	Premier Savings^{^}	Elite Savings^{^}	Super Savings^{^}	Yellow Money Market^{^}
Average Daily Balance	APY*	APY*	APY*	APY*	APY*	APY*	APY*
$0 – $99	0.00%	0.10%	4.50%	0.10%	0.50%	0.01%	0.01%
$100 – $9,999	0.01%	0.10%	4.50%	0.10%	0.50%	0.01%	0.01%
$10,000 – $14,999	0.01%	1.50%	4.50%	0.10%	0.50%	0.01%	0.10%
$15,000 – $24,999	0.01%	1.50%	1.00%	0.10%	0.50%	0.01%	0.10%
$25,000 – $49,999	0.01%	2.00%	1.00%	2.00%	0.50%	0.01%	0.25%
$50,000 – $99,999	0.01%	2.00%	1.00%	2.50%	0.50%	0.01%	0.25%
$100,000 – $199,999	0.01%	2.00%	1.00%	3.00%	4.00%	1.00%	1.00%
$200,000 – $249,999	0.01%	2.00%	1.00%	3.00%	4.00%	1.00%	2.00%
$250,000 – $499,999	0.01%	2.00%	1.00%	3.00%	4.25%	4.00%	2.00%
$500,000 – $999,999	0.01%	2.00%	1.00%	3.00%	4.25%	5.00%	2.00%
$1,000,000+	0.01%	2.00%	1.00%	3.00%	4.50%	5.00%	2.00%

^Everyday Savings, Premier Savings, Elite Savings, Super Savings, and Yellow Money Market 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. ^^The 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.

*APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. These are tiered rate accounts; rates will only apply to the portion of the balance within that tier. $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*
3 Month	0.20%
6 Month	0.30%
8 Month++	4.50%
12 Month	0.20%
13 Month***	5.00%
15 Month***	2.75%
18 Month	2.50%
23 Month¹	5.50%
24 Month	0.40%
30 Month	2.00%
36 Month	0.50%
40 Month Bump Up Special⁺	1.90%
48 Month	0.65%
5-Year Add-On Certificate**	0.80%
APY= Annual Percentage Yield. During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. **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. ^$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 and Unsecured Loan Rates

Type	APR as low as
Vibrant Credit Mastercard	9.900%
Signature Loan¹	15.250%

*Above certificate/savings rate earned. $5 Membership required for all consumer loans. 1. Signature loans are only available for amounts of $3,000 and above and terms of 36 months or fewer.

Looking to build your credit and get rewarded for it? Apply for credit.

Health Savings Account (HSA) Rates

Average Daily Balance	APY*
$5,000+	0.01%
$100 - $4,999	0.01%
**APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.

Looking to supplement your healthcare? Open an HSA

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%
$10,000 - $24,999	0.01%
$100 - $9,999	0.01%
*APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.

Ready to save powerfully for retirement?Open an IRA

Business Checking Account Rates

Average daily balance	APY*
$100,000+	0.25%
$25,000 - $99,999	0.15%
$0 - $24,999	0.00%
*APY=Annual Percentage Yield. APYs accurate as of September 12, 2023. $5 Membership Share account required. No monthly maintenance fees. No minimum balance requirements. Rates subject to change without notice. Federally insured by NCUA.

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

Business Money Market** Rates

Average daily balance	APY*
$500,000 +	3.25%
$200,000 - $499,999	2.00%
$100,000 - $199,999	0.50%
$25,000 - $99,999	0.25%
$10,000 - $24,999	0.10%
$100 - $9,999	0.01%
APY = "Annual Percentage Yield." APYs accurate as of September 12, 2023. $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

Searching for flexibility and a high money market yield? Open a business money market account

Looking for mortgage rates?

Vibrant mortgages are now powered by Luminate Home Loans.

Home Equity Line of Credit (HELOC) Rates

Term/Financing	APR as low as	Monthly payment per $10,000 borrowed*
15 yr Variable
85% Financing	8.500%	$75.00

*Per $10,000 borrowed payment based on 0.75% 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 85%, 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.

Want to open up funds for your next big purchase? Apply for a HELOC