Rates

Which rates are you checking?

These rates are effective as of May 30, 2023, unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional loan rates.

Certificates of deposit (CDs)

Credit card and unsecured loans

Business checking

Business money market

Home equity line of credit (HELOC) loans

Checking Account Rates

Account Type	APY
Everyday Checking	0%
APY- Annual Percentage Yield. Checking program details, benefits and rebates subject to change without notice. Federally insured by NCUA.

Free checking. Great rates. Get started today! Open an account.

Savings Account Rates

	High Interest	Super Savings	Membership/Club	Yellow Money Market
Average Daily Balance	APY*	APY*	APY*	APY*
$500,000+	0.40%	5.00%	0.01%	2.00%
$200,000 – $499,999	0.40%	4.00%	0.01%	2.00%
$100,000 – $199,999	0.40%	1.00%	0.01%	1.00%
$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. 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%
1 Year	0.20%
13 Month***	5.00%
15 Month***	2.75%
18 Month	2.50%
2 Year	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 6-month certificate. ++8-month certificate will automatically renew into a 6-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 Rewards Mastercard	18.000%
Vibrant Credit Mastercard	9.900%
Signature Loan	15.250%

*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

Health Savings Account (HSA) Rates

Average Daily Balance	APY*
$5,000+	0.01%
$100 - $4,999	0.01%
*APY=Annual Percentage Yield. 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. Any fees could reduce potential earnings. 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. No monthly maintenance fees. No minimum balance requirements. 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. Federally insured by NCUA.

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

Car & Motorcycle Loan Rates

Year and Term	APR as low as*
2021 and newer
73-84 months	9.250%
61-72 months	8.750%
Up to 60 months	8.500%
2017–2020
61-72 Months	9.000%
Up to 60 months	8.750%
2012–2016
Up to 48 months	10.500%
2011 and older
Up to 36 months	11.500%

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