Rates

Which rates are you checking?

These rates are effective as of May 23, 2022, unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional Loan Rates.

Mortgage

Home equity loans

Car & motorcycle loans

RV/boat/other vehicle loans

Credit card and unsecured loans

Checking

Savings

HSA

Certificates

IRA

Business checking

Business money market

Mortgage Rates

Visit our mortgage center for other information on home loans.

Term Rate as low as APR as low as Monthly payment per $10,000 borrowed
Adjustable-Rate
5 yr ARM 3.625% 3.733% $45.60
7 yr ARM 3.875% 3.984% $47.02
Fixed-Rate Purchase
30 yr 4.875% 4.991% $52.92
20 yr 4.875% 5.033% $65.30
15 yr 4.500% 4.699% $76.50
10 yr 4.625% 4.911% $104.24
Fixed-Rate Refinance
30 yr 4.875% 4.991% $52.92
20 yr 4.875% 5.033% $65.30
15 yr 4.500% 4.699% $76.50
10 yr 3.990% 4.075% $101.20
Rates quoted are effective as of May 23, 2022, 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.

Ready to take the first step? Apply for a home loan

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Home Equity Loan Rates

Term/Financing APR as low as Monthly payment per $10,000 borrowed
Fixed Rate
5 yr term up to 80% LTV 4.000% $184.17
10 yr term up to 80% LTV 4.500% $103.64
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 80%, owner occupied property. APR may vary with credit score and loan to value ratio.  Property, home, and flood insurance may be required. 

Ready to get started? Apply for a home equity loan

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Home Equity Line of Credit (HELOC) Rates

Term/Financing APR as low as Monthly payment per $10,000 borrowed*
Fixed Rate HELOC
80% Financing 3.000% $179.69
*Per $10,000 borrowed payment based on 1% 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 80%, 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

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Car & Motorcycle Loan Rates

Year and Term APR as low as*
2020 and newer
73-84 months 3.34%
61-72 months 2.99%
Up to 60 months 2.75%
2016–2019
61-72 Months 3.49%
Up to 60 months 3.25%
2011–2015
Up to 48 months 5.49%
2010 and older
Up to 36 months 6.50%
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? Apply for an auto loan

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RV/Boat/Other Vehicle Loan Rates

Year APR as low as*
2020 and Newer 4.75%
2016–2019 5.75%
2015 and older 6.25%
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! Apply for a vehicle loan

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Credit Card and Unsecured Loan Rates

Type APR as low as
Vibrant Credit Rewards Mastercard 18.00%
Vibrant Credit Mastercard 9.90%
Signature Loan 8.75%
*Above certificate/savings rate earned. $5 Membership required for all consumer loans.

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

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Checking Account Rates

Account Type APY
Everyday Checking 0%
Moneymaker Checking 0.50%
Moneymaker Checking Paired with standard Vibrant Credit Card 1.00%
APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 0.50% 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. If requirements are not met, the rate will be .01% APY for total balance. To qualify for the 1.00% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1,000 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 1.00% 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 .10% 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! Open an account

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Savings Account Rates

  High Interest Super Savings Membership/Club Yellow Money Market
Average Daily Balance APY* APY* APY* APY*
$200,000+ 0.40% 0.25% 0.01% 1.15%
$100,000 - $199,999 0.40% 0.20% 0.01% 0.50%
$25,000 - $99,999 0.01% 0.01% 0.01% 0.25%
$10,000 - $24,999 0.01% 0.01% 0.01% 0.10%
$100 - $9,999 0.01% 0.01% 0.01% 0.01%
$0 - $99 0.01% 0.01% 0.00% 0.01%
*APY=Annual Percentage Yield

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

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Health Savings Account (HSA) Rates

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

Looking to supplement your healthcare? Open an HSA

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Certificate of Deposit (CD) Rates

Term APY*
3 Month 0.20%
6 Month 0.30%
1 Year 0.20%
15 Month* 0.30%
18 Month 0.30%
2 Year 0.40%
30 Month 0.45%
36 Month 0.50%
40 Month Bump Up Special+ 1.75%
48 Month 0.65%
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. +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 6-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal.

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

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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. Any fees could reduce potential earnings. 

Ready to save powerfully for retirement? Open an IRA

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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. No monthly maintenance fees. No minimum balance requirements.

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

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Business Money Market Rates

Average daily balance APY*
$500,000 + 1.15%
$200,000 - $499,999 1.15%
$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

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

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