Rates

Which rates are you checking?

These rates are effective as of January 6, 2023, unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional loan rates.

Checking

Savings

Certificates of deposit (CDs)

Credit card and unsecured loans

HSA

IRA

Business checking

Business money market

Home equity line of credit (HELOC) loans

 

 

 

 

Checking Account Rates

Account Type APY
Everyday Checking 0%
Moneymaker Checking 0.50%
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. 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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Certificate of Deposit (CD) Rates

Term APY*
3 Month 0.20%
6 Month 0.30%
1 Year 0.20%
15 Month* 3.75%
18 Month 4.50%
2 Year 0.40%
30 Month 4.00%
36 Month 0.50%
40 Month Bump Up Special+ 3.30%
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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Credit Card and Unsecured Loan Rates

Type APR as low as
Vibrant Credit Rewards Mastercard 18.000%
Vibrant Credit Mastercard 9.900%
Signature Loan 14.750%
*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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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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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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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 8.000% $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

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Car & Motorcycle Loan Rates

Year and Term APR as low as*
2021 and newer
73-84 months 8.750%
61-72 months 8.250%
Up to 60 months 8.000%
2017–2020
61-72 Months 8.500%
Up to 60 months 8.250%
2012–2016
Up to 48 months 10.000%
2011 and older
Up to 36 months 11.000%
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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