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Rates
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.
Which rates are you checking?
Checking
Savings
Certificates of deposits (CDs)
Credit card and unsecured loans
HSA
IRA
Business checking
Business money market
Home equity line of credit (HELOC) loans
Rates
These rates are effective as of April 1, 2024. 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.
Which rates are you checking?
Ready to make your money work harder? Open a checking account.
*APY = "Annual Percentage Yield." APYs accurate as of April 1, 2024. **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. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
- | Average Daily Balance | APY* |
|---|---|---|
Premier Checking*** | $0 - $24,999 | 4.00% |
$25,000+ | 1.50% | |
Everyday Checking | Any | 0.00% |
Checking Account Rates
Average Daily Balance | Membership Savings | Everyday Savings ^ | Preferred Savings ^^ | Premier Savings ^ | Elite Savings ^ |
|---|---|---|---|---|---|
APY* | APY* | APY* | APY* | APY* | |
$0-$99 | 0.00% | 0.10% | 4.50% | 0.10% | 0.50% |
$100 - $9,999 | 0.005% | 0.10% | 4.50% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.005% | 1.50% | 4.50% | 0.10% | 0.50% |
$15,000 - $24,999 | 0.005% | 1.50% | 1.00% | 0.10% | 0.50% |
$25,000 - $49,999 | 0.005% | 2.00% | 1.00% | 2.00% | 0.50% |
$50,000 - $99,999 | 0.005% | 2.00% | 1.00% | 2.50% | 0.50% |
$100,000 - $199,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.00% |
$200,000 - $249,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.00% |
$250,000 - $499,999 | 0.005% | 2.00% | 1.00% | 3.00% | 4.25% |
$500,000 - $1,000,000 | 0.005% | 2.00% | 1.00% | 3.00% | 4.25% |
$1,000,000 + | 0.005% | 2.00% | 1.00% | 3.00% | 4.50% |
^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.
*APY = "Annual Percentage Yield." APYs accurate as of April 1, 2024. 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.
Saving Accounts Rates
Term | APY* |
|---|---|
8 Month++ | 0.15% |
12 Month | 0.15% |
13 Month*** | 5.00% |
15 Month*** | 0.50% |
18 Month*** | 0.60% |
23 Month (1) | 4.00% |
24 Month | 0.25% |
30 Month | 0.25% |
36 Month | 0.50% |
40 Month Bump Up Special(+) | 1.90% |
48 Month | 0.25% |
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.
Certificate of Deposit (CD) Rates
Looking to supplement your healthcare? Open an HSA.
**APY = “Annual Percentage Yield.” APYs accurate as of April 1, 2024. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$100 - $4,999 | 0.01% |
$5,000+ | 0.01% |
Health Savings Account (HSA) Rates
Ready to save powerfully for retirement? Open an IRA
*APY = “Annual Percentage Yield.” APYs accurate as of April 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$100 - $9,999 | 0.01% |
$10,000 - $24,999 | 0.01% |
$25,000 - $49,999 | 0.10% |
$50,000 - $99,999 | 0.30% |
$100,000 + | 0.35% |
Individual Retirement Account (IRA) Rates
Want to ditch those monthly fees and requirements? Open a business checking account.
*APY = “Annual Percentage Yield.” APYs accurate as of April 1, 2024. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|
Business Checking Account Rates
Searching for flexibility and earnings on your balance? Open a business money market account.
*APY = “Annual Percentage Yield.” APYs accurate as of April 1, 2024. $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.
Average Daily Balance | APY* |
|---|---|
$100 - $9,999 | 0.01% |
$10,000 - $24,999 | 0.01% |
$25,000 - $99,999 | 0.01% |
$100,000 - $199,999 | 0.01% |
$200,000 - $499,999 | 0.01% |
$500,000 + | 1.00% |
Business Money Market** Rates
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