Get our best rate on balances up to $15,000—with no monthly fees or hidden requirements. Earn up to 4.50% APY* with Preferred Savings Open an account We had a error in our credit card transaction process that may have produced duplicate credit/debit charges on your account. We have resolved the issue and if impacted you will see the correction on your account. Anywhere, anytime banking Make deposits from your smartphone or connect face-to-face with a teller during regular business hours from a vibrantLive ITM . Great rates on CDs We offer terms as short as 3 months or as long as 5 years—with rates that are going up, up, up. Open an account with as little as a $5 deposit. Member-only discounts Use your Vibrant Card to save on food and drinks at Vibrant Coffeehouse and Kitchen —and get ready for big surprises at Vibrant Arena . A stronger community We're committed to creating opportunities for local entrepreneurs and supporting organizations like Junior Achievement of the Heartland . What's in it for you? Add a Title Open an account Open a 13-month CD in minutes and start earning 5.00% APY*. It's never been easier to lock in a great rate. How can we help you? Checking Savings Credit cards CDs Checking No monthly maintenance fee or minimum balance requirement. Includes free mobile deposit, credit monitoring, and you can use Apple Pay and Google Pay to make cash purchases. Open an account Open an account ​ ​ No monthly maintenance fee or minimum balance requirement. Includes free mobile deposit, credit monitoring, and you can use Apple Pay and Google Pay to make cash purchases. Checking Open an account 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 March 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. Rates as high as 4.50% APY* on balances up to $15,000 or over $1,000,000 Your Vibrant membership starts with a $5 deposit to your membership savings account—but why stop there? Whether you're working to build your nest egg or maximize your earnings on the cash you already have, we've got a solution for you. Savings Get started *APR = "Annual Percentage Rate" Rates as low as 9.900% APR* Increase your spending power with a Vibrant Credit Mastercard® and save 20% on food and beverages when you use it to pay at Vibrant Coffeehouse and Kitchen . Credit cards Learn more *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. Rates as high as 5.00% APY* Boost your rate of return on savings with a certificate of deposit with terms as short as 3 months or as long as 5 years. CDs Make deposits from your smartphone or connect face-to-face with a teller during regular business hours from a vibrantLiveITM. Anywhere, anytime banking We offer terms as short as 3 months or as long as 5 years—with rates that are going up right now. Open an account with as little as a $5 deposit. Great rates on CDs Use your Vibrant card to save on food and drinks at Vibrant Coffeehouse and Kitchen —and get ready for big surprises at Vibrant Arena . Member-only discounts We're committed to creating opportunities for local businesses and entrepreneurs and supporting organizations like Junior Achievement of the Heartland . A stronger community What's in it for you? Open an account from anywhere Get started Got 5 minutes and an internet connection? Then you're ready to open a Vibrant account. All you need is: Your government-issued ID/driver’s license/state ID or passport (make sure the address is current) Your complete physical and mailing address Social Security Number Date of birth Open an account from anywhere Get started Got 5 minutes and an internet connection? Then you're ready to open a Vibrant account. All you need is: Your government-issued ID/driver’s license/state ID or passport (make sure the address is current) Your complete physical and mailing address Social Security Number Date of birth Learn more Download the free Vibrant mobile app to access our credit monitoring tool! Track changes in your credit score, see how future purchases or payments will affect your score, and get customized lending offers to help you save money. It's just one of the great tools available from your phone. Our app also includes access to secure messaging, mobile deposit, and 24/7 bill pay. Keep tabs on your credit score Is a certificate of deposit (CD) right for you? Right now, CDs are paying their highest rates in more than 20 years—and they’re a safe, secure way to keep your nest egg growing. Read more > Why Vibrant transformed our Bettendorf branch into Vibrant Coffeehouse + Kitchen At the end of 2023, we opened the doors on our very first branch-to-coffeehouse transformation. It combines full-service digital banking with house-roasted coffee and espresso, all-day breakfast and great lunch options, plus all your favorite energy drinks. Get the lowdown > What we're talking about

Disclosures Members Member Service Agreement (updated 04.08.2024) Rates and Service Charges (updated 04.01.2024) Online Banking Account Access Agreement and Disclosure Statement Your Home Loan Toolkit Mastercard Account Disclosure BillPay Terms and Conditions eSign Consent Notice ​ Business Members Business Service Agreement (updated 04.08.2024) Business Rates & Service Charges (updated 04.01.2024) Master ACH Agreement for Businesses Other IDFPR – Notice Regarding the Community Reinvestment Notice Security and Refund Policy

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? Checking Savings Certificates of deposit (CDs) Credit cards HSA IRA Business checking Business money market Back to top 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 . Back to top 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 . Back to top Certificate of Deposit (CD) Rates Credit Card Rates Type APR as low as Vibrant Credit Mastercard 9.90% Back to top Back to top 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 Back to top 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 Back to top 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 Back to top 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 Vibrant mortgages are now powered by Luminate Home Loans. Looking for mortgage rates? Learn more

Discover the future of banking Full-service digital banking is now available in the Quad Cities and Des Moines. Get to know vibrantLive ITMs Our vibrantLive ITMs (interactive teller machines) may look like ATMs, but they can do practically everything you'd visit a branch for. ​ ​ You can connect instantly via video with a Vibrant teller during business hours any time you need assistance You don’t need a debit card—just your photo ID When you deposit a check, you'll get an image of the deposited check on your receipt You can perform more types of transactions beyond getting cash or making deposits—including making a loan or credit card payment or transferring funds vibrantLive ITMs vs ATMs: What's the difference? vibrantLive ITM You can use our vibrantLive ITMs the same way you use an ATM. But during regular business hours, they can do a lot more. Contact our vibrantLive teller to perform the transactions below. ​ Deposit cash or checks Make a loan or credit card payment Transfer funds Get change for larger bills Get a credit card advance Request Skip-a-Pay Update your contact information Order checks ATM You can use our vibrantLive ITMs to perform the functions below 24/7. ​ Deposit checks Withdraw cash ($20 bills only) View your account balance Nearby locations Vibrant HQ - Moline 6600 44th Avenue Moline, IL 61265 United States Branch details Vibrant Coffeehouse + Kitchen – East Village 520 East Grand Avenue Des Moines, IA 50309 United States Branch details Vibrant Coffeehouse + Kitchen – Pleasant Valley 3230 Ridge Pointe Bettendorf, IA 52722 United States Branch details Frequently asked questions Are the vibrantLive ITM tellers Vibrant employees? They sure are! You may even recognize some friendly faces from your last trip to a Vibrant branch. Are the drive-thru vibrantLive ITMs available 24/7? While our drive-thru vibrantLive ITMs are available 24/7 for deposits or cash withdrawals, most other transactions will only be available during regular business hours. Will it take longer for my deposit to post than it would if I went to a ordinary branch? Nope! When you use the "talk to teller" option, your deposit will post at the same time it would if you made the deposit in person at a branch. Can I deposit coins through a vibrantLive ITM? Unfortunately, our vibrantLive ITMs do not have the ability to accept coins. You can find coin machines at our Moline (SouthPark) branch and at our Danville branch . Can I get a cashier's check or money order from a vibrantLive ITM? If you're at our Vibrant HQ location, you can get cashier's checks and money orders through the vibrantLive ITM. You will need to pick these items up from our front desk staff in the Vibrant HQ lobby. ​ If you're using our East Village or Pleasant Valley vibrantLive ITMs, you can request to have a cashier's check mailed to you. Send us a secure message for more information! How can I ensure my transaction is private? You can either use the handset on the machine to speak directly with your teller or communicate via typing into the keyboard. There is also a mic jack on the machine for members who need to connect assistive technology. Can I get change for a $100 bill through a vibrantLive ITM? You absolutely can, provided you connect with a teller through the vibrantLive ITM first. They can dispense $1, $5, $20, and $100 bills as requested. ​ NOTE: If you're making an ordinary cash withdrawal without teller assistance, your withdrawal will be available in $20 bills only.

Most(!) frequently asked questions Most (!) frequently asked questions What is my Vibrant routing number? 271183646 ​ You'll also find it in the footer of every page of this website! ​ How do I reset my online banking password? You can reset your password online if you have your username. We’ll ask you to verify your personal information as part of the process. Forgotten your username ? Hey, it happens! Just verify your personal information at the link, and you can get your username via email, text, or a voice call. Can I get a document notarized at a Vibrant location? Do I need to bring a witness? Some Vibrant branches do have a licensed notary among their staff, but unfortunately, it’s not a service we can guarantee will be available at all hours or at every location. If you do bring a document to be notarized at one of our branches, you will also need to bring someone with you to witness the document, as Vibrant employees cannot serve in that capacity. ​ If we’re not able to help, notary services are also frequently available at public libraries, post offices, and other government buildings. How do I order checks? The easiest way is through online banking! From your browser: Log in , then go to TOOLS and select CHECK ORDERS. From the mobile app: Tap the MORE... button, then select TOOLs, then CHECK ORDERS. You can also order checks directly from Harland Clarke. (Remember, your routing number is 271183646. Your account number is the 11-digit number that appears at the bottom of your check, to the right of the routing number.) How do I get a replacement debit or credit card? You can get one printed instantly at any Vibrant branch . For your security, the card holder is the only person who can pick up a new card, and you’ll have to show your government-issued ID. Where can I cash in coins? Vibrant has coin machines available to Vibrant members at our Moline branch near SouthPark Mall and at our Danville branch. Please visit the lobby to access the coin machine (going through the drive-thru is a good way to get your coins stuck in our tube!). When will my deposit appear in my account? If you make a deposit at a branch , it will appear in your account immediately unless there is a hold on the deposit. If you make a deposit at a Vibrant ATM , the first $225 of your deposit will be credited to your account at the time of the transaction. The remainder of your deposit will be available within two business days, unless there is a hold on the deposit. If you make a deposit through the mobile app , your deposit should appear in your account by the times listed below: Monday through Friday (all times are CT) Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. What are Vibrant's current rates? We publish rates for all our products on this website. What is Vibrant's mailing address? Send all correspondence to: Vibrant P.O. Box 1550 Moline IL 61266-1550 Who can become a Vibrant member? You are eligible to join Vibrant Credit Union if you: Are a member of one of the associations we partner with. Are a current or retired employee of one of the many businesses, professions, and/organizations we partner with within the U.S. Are a domestic partner or immediate family member of a current Vibrant Credit Union member. Live or work in one of the neighborhoods, communities, or rural districts defined in our geographical area. ​ ​ If you are not eligible through another option, you can become a member of the Illinois Consumer Council to gain Vibrant Credit Union eligibility. Vibrant Credit Union will enroll you and cover costs associated with the ILCC membership. The ILCC is a nonprofit membership organization dedicated to consumer advocacy, financial education and championing the rights of all consumers. *This is not a complete or exhaustive list of membership eligibility criteria. Please contact us at 1-800-323-5109 to discuss your eligibility for membership at Vibrant Credit Union or apply for membership online . Which geographical areas do you serve? If you wish to qualify for Vibrant membership based on your geographic location, the following counties are within our service areas: ​ Illinois Bureau, Carroll, Clark, DeKalb, Edgar, Henderson, Henry, Jo Daviess, Knox, Lee, Mercer, Ogle, Peoria, Putnam, Rock Island, Stark, Stephenson, Vermillion, Warren, Whiteside, Winnebago, and parts of Cook County ​ ​ Indiana Fountain, Vermillion, and Warren ​ ​ Iowa Cedar, Clinton, Dallas, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Polk, Scott, Story, and Warren Wisconsin Grant, Green, and Lafayette Managing your account Does Vibrant offer accounts that would enable me to act as a financial custodian on behalf of an elderly, disabled, or minor individual? At this time, Vibrant does not offer custodial accounts such as rep payee, guardianship, or UTMA (Uniform Transfers to Minors Act). How can I add a beneficiary to my accounts? Connect with us through the secure messaging center via your online account or call us at 1-800-323-5109. Make sure you have the beneficiary's Social Security Number handy. How do I add a Power of Attorney (POA) to my account? To give the agent to whom you have granted financial power of attorney access to your account, send us a secure message from your online banking account or contact us directly during regular business hours. ​ To complete the process, you'll need to provide a notarized financial power of attorney agreement. Get in touch if you have questions! Does Vibrant offer trust and/or estate accounts? Trust and estate accounts are limited to members who already have an established relationship with Vibrant. If you'd like to set up an account, send us a secure message through your online banking account or contact us during regular business hours. Deposits ACH transfers & payments Online & mobile banking Loans Fraud Branches Branches What hours is Vibrant open? Our member contact center is available from 8:30 a.m. CT to 5:00 p.m. CT Monday through Friday and from 8:30 a.m. CT to 12:00 p.m. CT on Saturday, excluding most federal holidays . ​ Our branches are open from 8:30 a.m. to 5 p.m. CT Mondays through Fridays, and 8:30 a.m. to 12 p.m. CT on Saturday, excluding most federal holidays . Where are your branches located? Use this map to find the branch nearest you, as well as surcharge-free ATMs in the area. Deposits How do I deposit a check? There are three ways to deposit a check: at a Vibrant branch; at Vibrant ATMs located at the Moline (South Park and Vibrant HQ ), or Geneseo branches; or via the Vibrant mobile app. Download the mobile app for Android or Apple devices. Open the app and choose DEPOSIT CHECK from the menu at the bottom of the screen. Endorse your check, along with the words “For Mobile Deposit Only.” Choose the account where you want the deposit to go, enter the amount of the deposit, then take a photo of the front and back of the check. Submit your deposit! (If it’s before 4 p.m. CT on a business day, your deposit will appear by 6 p.m. at the latest. If it’s later, your deposit will post at noon on the next business day.) You'll receive an email from enstenta.monitor@jackhenry.com confirming your deposit. When will funds from my mobile deposit appear in my account? Deposit Approved Posted to Account 12 a.m. – 10 a.m. 12 p.m. 10:01 a.m. – 1 p.m. 2 p.m. 1:01 p.m. – 4 p.m. 6 p.m. 4:01 p.m. – 11:59 p.m. 12 p.m. on next business day We do not post deposits on Saturdays, Sundays, or federal holidays. One thing to remember—the time you submit a mobile deposit is not necessarily the same time that it is "accepted." You'll receive an email once we have reviewed your mobile deposit and submitted it for posting. My mobile deposit was denied—what’s the reason? It could be as simple as an unclear photo—make sure your camera lens is clean, put the check in front of a dark background, and try again! If that doesn’t help, make sure the deposit amount you’ve entered matches the amount of the check. Also make sure the written amount of the check (“XX and xx/100 dollars”) matches the numeric amount. Make sure all payees have endorsed the check (along with the words "For mobile deposit only") and that it is being deposited into an account owned by all payees. It also needs to be endorsed by all payees, and be deposited into an account owned by all payees. Make sure the amount of the check doesn’t exceed your daily deposit limit (you’ll find that number under the DEPOSIT AMOUNT field in the app). Finally, checks that are expired or were issued more than six (6) months ago will not be accepted—ask the payer to replace the check if this is the case. If your check is not accepted for mobile deposit, you should receive an email from enstenta.monitor@jackhenry.com explaining the reason for the denial. How do I set up direct deposit? Contact your employer, brokerage, or other entity that issues you a recurring check to let them know you’d like to set up direct deposit. They’ll ask you for your routing number (that’s 271183646 at Vibrant), account number, and account type (checking or savings). Once they’ve set up the information, you should see your next check direct-deposited to your account. When does my direct deposit show up in my account? Your direct deposit will appear in your account when Vibrant receives it. If your employer has sent the deposit but you don’t see it, contact them to verify the routing number, account number, and account type (checking or savings) they have on file for you. Why was a hold placed on my deposit? In general, we try to make any funds you deposit available to you on the same business day (as long as you make the deposit before 4 p.m. CT). In certain situations, however, we will place a hold on the deposit until we receive confirmation from the financial institution that issued the payment. The most common reasons for this are: Your deposit totaled more than $5,525 in a single day Your total deposit was larger than the balance available in your account Your account has been opened within the last 30 days The deposited check comes from an out-of-state financial institution If you need the funds immediately, make sure to ask when the funds will be available at the time you make the deposit. I lost my debit and/or credit card! What can I do? First, contact us immediately so we can ensure no fraudulent transactions are approved before you get a replacement card. Replacement cards are $10 and can be printed while you wait at any Vibrant branch—or, if you're willing to wait 7–10 days for delivery, we can mail your new card to you Can someone else pick up a replacement card for me? To protect your account, you will need to pick up your replacement card yourself and show government-issued photo ID. I received a call and/or text about fraud on my card. Is this legit? It depends. If we detect suspicious activity on your account, Vibrant will text and call you to confirm whether the transaction is legitimate. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. However, there's a common scam that has affected some of our members that you should be aware of—"spoofing." Your Caller ID may show Vibrant's name or phone number, but the call might actually be coming from a scammer. Or you may receive a text that says it's from Vibrant when it's not. To protect yourself, never share the following information with any unsolicited contact: Your credit or debit card number Your Vibrant account number Your full Social Security Number Your PIN Your online banking username and/or password In addition, if someone texts you a link and tells you to click it to confirm or deny your transaction, DON'T CLICK IT. Vibrant will not ask you to provide a confirmation number that we sent you to confirm a transaction, and we will never disclose the items you purchased. If you're not sure whether you've received a legitimate request, don't hesitate to contact our member contact center or send us a secure message through online banking. What is the periodic finance charge on my credit card statement? That’s the amount of interest that has accrued on your balance since your last statement. If you don’t pay your balance in full each month, you will be charged interest on the amount of your remaining balance. Please note—per the terms of your Mastercard account agreement , both cash advances and balance transfers will be charged interest as soon as those charges are made. Regular purchases have a grace period before interest begins to accrue. Debit & credit cards How do I transfer money from Vibrant to another financial institution? The easiest way is through your online account. First, link the external account where you want to send money to your Vibrant account. Whether you use the mobile app or online banking to add an external account, we will verify the information is correct by making two small deposits into that external account and ask you to verify them from your Vibrant account. You’ll also receive a call from our fraud team to confirm that you wish to connect to this external account. How do I set up automatic payments? If you wish to make a recurring payment, choose BILL PAY from the main menu of either the Vibrant app or your online account. Set up a payee Choose ADD PAYEE, designate whether they’re a business or an individual, then whether you want to issue payment via a check, SMS, ACH (digital) transfer, or email. Enter their payment details. Set up a payment From the Bill Pay dashboard, choose your PAYEE, then choose MAKE A PAYMENT. Enter the amount of the payment you want to make, and choose the frequency (from weekly to annually and everything in between), the date when you want the first payment to be made, and the number of times you want to make payments (or, alternatively, the date when you want to stop making payments). How long does it take for a transfer from Vibrant to be deposited at an external institution? All electronic payments take about 3 to 5 business days to be completed. ACH transfers & payments How do I set up online banking? Go to the login drop-down in the upper right hand corner of the Vibrant website and choose “No User ID? Enroll in online banking.” Just confirm your name, birthdate, SSN, and email address, and you’re ready to go! Help! I forgot my username and/or password for online banking. It happens to all of us occasionally! It’s easy to recover this information. On the main login screen, choose the “Forgot User ID?” or “Forgot Password?” links. How do I add my Vibrant debit or credit card to my mobile wallet? APPLE Go to the Wallet app on your iPhone or iPad and tap the plus (+) sign to get started. ANDROID Go to the Google Pay app on your phone or tablet and tap the +ADD TO WALLET button. Can I use my Vibrant debit or credit card with Venmo, CashApp, PayPal, etc.? Yes you can! Go to your preferred app and add your card information. In most cases, you can enter your debit card number rather than your full checking account details (routing number and account number). Also, if you pay through your debit card, you should not be charged an additional credit card processing fee. Check with the app for details. Online & mobile banking When is my loan payment due? You can see your next payment due date via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If you don’t see a due date, your next account statement has not yet been issued. Check back soon! How much is my loan payment? You can view your loan payment amount via online or mobile banking. Go to your account dashboard, select your loan account, and then choose ACCOUNT DETAILS. If the payment amount is $0, your next account statement has not yet been issued. Check back soon! I received a notice about a missing title. What should I do? If you have an auto loan through Vibrant, we will need to hold the original title while the vehicle is being used as collateral for that loan. You can either mail the title directly to Vibrant, or it can be dropped off at a branch. If you purchased the vehicle through a dealership and they were responsible for sending the title to Vibrant, contact them to see if they’ve sent the title yet. Our mailing address is P.O. Box 1550, Moline IL 61266-1550. I received a notice about auto insurance. What do I need to do? While you're paying off your Vibrant auto loan, we need proof of full coverage insurance on the financed vehicle. You can share the declaration page from your insurance agent. If you currently do not have insurance or have a lapse of insurance, talk to our partners at Vibrant Insurance ! We may be able to help you find a great rate. Where do I send my proof of insurance? Call (800) 523-6404 or visit www.myinsuranceinfo.com . How do I access my extended warranty to make a repair to my vehicle? Call Route 66, your extended warranty provider, at (800) 808-0828. How do I start a GAP claim for my auto loan? Call Allied’s Total Loss Department at (800) 264-2372. How do I apply to skip a loan payment on my auto, personal, or Loan Program (Equipment) loan? You can apply online or contact our member service center if you need assistance filling out the application or have questions. ​ *Skip-a-Pay qualifications are subject to change at any time. What is the fee for skipping a loan payment? It depends on the amount of the loan payment. If yours is less than $200, the fee is $100 per skipped payment. If yours is more than $200, the fee is $180 per skipped payment. ​ The amount of the fee will be added to the end of your current loan term. You don't need to pay anything when you apply. ​ You can skip a payment on an auto or personal loan up to two times a year (non-consecutive months) if your account is in good standing and if you have skipped fewer than six loan payments during the term of your loan. ​ You can skip a payment on a Loan Program (equipment) loan a maximum of three times over the life of the loan if your account is in good standing, you've made at least one loan payment, and if you've skipped fewer than three loan payments during the term of your loan. ​ ​ *Skip-a-Pay qualifications are subject to change at any time. Loans I received a letter in the mail from Vibrant. Is it legit? First, make sure the letter actually came from Vibrant and not from a company that’s trying to sell you a warranty or loan insurance. (You can call our member contact center at (800) 323-5109 if you’re not sure.) If you receive a letter from Vibrant telling you your debit or credit card has been compromised, it’s legit! When this happens, we temporarily freeze your card until you receive a new card (which will be mailed to you automatically). I received a call/text/email about fraud on my card. Is this legit? It might be! ​ Our system will automatically notify you if a suspicious transaction is attempted on your card. If you don’t reply to the message to confirm that it’s a legitimate transaction, we will place a temporary freeze on your card to ensure your funds remain safe. Be aware that scammers frequently spoof the names and phone numbers of legitimate businesses so that it appears a text is coming from them when it's not. Never click a link you've been texted, and never share the following information: Your account number Your card number Your PIN Your online banking username and/or password Your full Social Security Number ​ ​ If in doubt, don't hesitate to contact us or send a secure message through online banking. Fraud

4 tips for better money management Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Want to be more financially savvy? These tips will help you skillfully manage your money Have high prices got you looking for ways to stretch your dollars? We’re sharing our money management best practices to help you stretch your dollars, create an inflation-proof budget, and increase your savings. Discover how you can manage your money wisely in any economy. Create an inflation-proof budget Rising prices can make it feel impossible to create a budget that allows you to enjoy life and still build your savings. But it is possible. Here's how to get started. Review your expenses. The first step to creating a budget is to review your bills and expenses. This is a great way to track where your money goes each month. Are you spending too much on dining out? Could you get a better deal if you switch cell phone providers? Are you paying for music and video streaming services that you don’t use anymore? Reviewing expenses gives you a better understanding of how your money is being spent and how you can modify your choices to live a more financially successful life. Increase your income. Take a look at your current salary and compare it to other people in similar roles (Glassdoor's salary index is a great place to start). Is it in line with industry averages for your role? If not, consider negotiating a higher salary with your current employer. Another option is to move to a different company. Protocol reports professionals who job-hopped in the past few years “received a 30% increase in salary.”If increasing your salary isn’t possible now, there are other ways to grow your checking account balance. Many individuals are starting side-hustles to supplement their income. If you have many years of experience in an industry, you can offer consulting or training services. If you have musical talent, you can perform at gigs or give music lessons. And, if you’re on social media all the time, consider that social media management and blogging are considered some of the most profitable side jobs. Expand your professional skills. Learning new skills can open up new job opportunities—and access to industries where you may not have experience. Start saving In addition to modifying your budget and increasing your income, saving money is a vital part of money management. Set aside a fixed amount to deposit into your savings account each month. It doesn’t have to be a large amount—you can start with 5 percent and increase that amount as your earnings increase. What’s important is to make savings a habit. Consider setting up an automatic transfer to savings every time you get paid. Invest for the future Investing can sound scary, but it doesn’t have to be. Investing is simply making your money work for you instead of having it sit in your bank account. Even if you’re not ready to invest in the stock market, putting your money in a high-yield savings account or a certificate of deposit can produce profitable results. If you’re not sure how or where to start investing your money, talk to a financial adviser for help evaluating your various investment choices. Review your retirement options Planning ahead for your golden years ensures your retirement will be enjoyable and relatively stress-free. If your employer offers a retirement plan like a 401(k), it’s a great idea to start investing in it as soon as you can, especially if they offer a matching contribution. If you don’t have access to an employer plan, or if you want to save more than your employer’s plan allows, you have two options for opening an individual retirement account (IRA). Traditional Individual Retirement Account (IRA) A traditional individual retirement account is funded with pre-tax money. This means you have the benefit of getting a tax deduction on your contribution. Be aware: This means you may owe taxes on the money when you withdraw it. You will also not be able to withdraw funds until you reach the age of 59½. Expect your retirement savings needs to change over time, especially if you change employers. Investopedia notes, “Rolling your money over into an IRA will often reduce the management and administrative fees you've been paying.” Your financial advisor can counsel you on the best course of action to take for your retirement funds. Sign up for Vibrant Credit Union’s personal banking services Transforming into a financially savvy superstar is easy when you take advantage of Vibrant’s personal banking services. Our friendly and knowledgeable team makes banking services easy to understand so you can achieve your financial goals. Contact us to discuss all that we can help you achieve. FAQs Q: What do I need to open a Vibrant checking or savings account? A: To open an account, you’ll need to provide the following: Full name Address Social Security Number Valid, government-issued photo ID: driver’s license, passport or military ID. Minimum deposit of $5 to activate your account. Every Vibrant member must open a membership savings account with a minimum $5 deposit before they can take advantage of other products and services. Q: How much money should I keep in my checking account? A: We recommend keeping 1–2 months of living expenses in your checking account. Q: How do I open an IRA? A: Schedule an appointment with a Vibrant personal banker to review your goals. They'll set up your account and help you choose a portfolio that's the right fit. Next Item Previous Item

Add your checking or savings account with an external financial institution to your Vibrant dashboard in a matter of minutes with our new upgrade. Scroll below to check out the desktop and mobile directions. Note, the names on the accounts you're linking must match. How to add external accounts instantly On your phone... Sign in to your mobile app . Click the Transfers widget. Note: The tab bar on iOS devices may display differently on your settings. Additional widgets will display by clicking the More widget. Tap the Add Account option. Tap the External Account tab at the top. Select the Add account instantly option. Select from one of the financial institutions listed or search for yours in the search bar below the list. Log in to the external financial institution's account. Select one or more accounts to add for transfers and click the Submit button. The Verify screen will display. Click the Continue button. Once the accounts are verified, they will immediately be made available. Hitting an error message? Don't worry; you can still add your account manually ! On your computer... Sign in to online banking. Not enrolled yet? Click here . Navigate to the Transfers widget here . Note: The widget menu may display differently based on your settings. Additional widgets will display by clicking the More... widget. Click the Classic tab on the top. Click Add an account to make a transfer link. The Add an Account window will display. Click Add an account instantly. Select from one of the financial institutions listed, or search for yours in the search bar below the list. Log in to the external financial institution's account. The Verify screen will display. Click the Continue button. Once the accounts are verified, they will immediately be made available. Hitting an error message? Don't worry; you can still add your account manually ! How to update your password This summer, Vibrant begins construction at its Bettendorf branch to create something new—a convenient place to do your banking that is also a full-service restaurant. Learn more > How to set up direct deposit Send your paycheck, monthly benefits, or other recurring payments directly to your checking or savings account. Learn more > Helpful resources

How we protect your money ​ When it comes to financial services, security is the name of the game. Our federal savings deposit insurance covers up to $250,000 for regular savings and checking accounts, even IRAs. How’s that for a little peace of mind? ​ Security The National Credit Union Administration is the federal agency that insures credit unions, much in the same way that the FDIC insures banks. They cap their coverage at $250,000 per depositor, per institution, for each account ownership category. The whole thing can get a bit confusing, but the idea is there is some wiggle room. Government protection IRAs are insured separately from your other regular accounts, with the same maximum of $250,000. This means that, between your IRA and regular checking, you can trust Vibrant with half a million of your hard-earned dollars—and maybe even more. Your retirement is covered For example, families can leverage their multiple accounts to increase their coverage beyond the $250,000 limit. If it seems complicated, don’t worry. We can help you set up your accounts to ensure you are getting optimum coverage. Using more accounts for more coverage

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How to set a wedding budget and stick to it According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. How much is a realistic wedding budget? According to an Investopedia survey, American couples spent an average of about $20,000 on their weddings in 2021—a decrease of about $9,000 from the previous year, but still enough to buy a decent new car or pay for a year of tuition and board at your state’s flagship university. Yet even with that five-figure budget, many brides and grooms will admit they still had to scale back their wish list to avoid spending even more—by inviting fewer people, having a cocktail reception instead of a sit-down dinner, or hosting the event in a park instead of a hotel ballroom. Many of us expect a wedding to be the most perfect day of our lives, a day when every detail is the most beautiful it can be. This is a risky way to approach wedding planning—partly because there are so many opportunities for things to go wrong, but mostly because couples can wind up spending a lot more than they planned on. The fact is, you can throw a pretty wonderful wedding for $10,000, $5,000, or even $1,000. (For that last amount, it helps if the bride already owns an appropriate dress, and you’re okay with a wedding reception that takes the form of dinner for 12 at a favorite restaurant.) Start with a dollar figure and plan your wedding accordingly Wedding planners generally advise that, no matter the size of your budget, you should plan to allocate your expenses along the following lines: 50% – venue, food, and drink (including your wedding cake) 12% – photography 9% – clothes, makeup, hair, and accessories 8% – décor 7% – entertainment 3% – wedding planner or coordinator 2% – invitations and thank-you cards 2% – officiant and license 2% – transportation 2% – wedding bands 2% – gifts for guests and attendants If you’re absolutely certain that you’ll be happy with an MP3 player and a Bluetooth speaker instead of a live band or that you won’t need a wedding planner, congratulations! That’s more money for your food and drink budget. Now it’s time to see how to get the most bang for your buck with the items you do want. Save money on your wedding venue by choosing the right date You really can get married on a day other than Saturday and in a month other than June. In fact, your venue rental could be significantly less expensive if you choose to get married in January, March, April, or November. In addition, Mondays are generally the least expensive day of the week to rent a venue, with prices rising the closer you get to the weekend. Of course, it may be difficult for your out-of-town guests to make it to a Wednesday wedding—or for locals to make it to work the day after if you do it up right. Save money at your reception by offering a limited selection of alcoholic beverages If you plan to serve alcohol at your wedding, you don’t need to resort to a cash bar to keep it affordable. Consider limiting your selection to beer and wine only. If you can’t imagine getting married without sipping a Negroni because that’s what you drank on your first date, make them your signature cocktail. Mixing just one type of drink will make it easier on your bartender and minimize your total bar bill. If you don’t plan to serve alcohol at your wedding, imagine the people who you know will grumble about the lack of booze, and then … Save money on your reception by trimming your guest list Think back on the weddings you’ve attended. Even setting aside the ceremonies where you served as someone else’s plus-one, you can probably think of a few where you were invited because your parents are friends with the couple’s parents, because you're good friends at work, or because the groom is your cousin, and your grandma would be sad if you weren’t there. Cutting your guest list can be one of the most painful negotiations you’ll ever make with your spouse, your parents, and your in-laws. It’s also a guaranteed money-saver. Finally, choose carefully now, and maybe you won’t feel a pang 10 years from now when you realize the last time you saw your old college friends was at your wedding reception—that happens more often than you’d think. Save money by skipping a fancy cake Those multi-tiered wedding cakes are expensive—and after they're sliced, there’s not a lot of difference between them and any other cake. In fact, they’re as much décor as they are food—they cost more not because they taste better than regular cake, but because it’s a practical challenge to bake a single cake large enough to serve 50 people. Still want a dessert that will look lovely on display at your reception? Consider getting a tiered stand (or a couple!) and filling it with cupcakes. Save money by understanding your priorities While the guidelines above offer a good starting point for how you’ll spend your budget, take a look at your priorities. If you’ve always looked forward to wearing a beautiful custom-fitted dress that makes you feel like a princess, but you don’t care as much about floral centerpieces on every table, go ahead and adjust accordingly. If you’ve always imagined stepping out for your first dance as a live band plays "Wouldn’t It Be Nice", but you don’t care about fancy invitations, skip the save-the-date cards and multiple envelopes and choose a design from a big-box office supply store. One more thing to keep in mind: Most couples are so busy preparing for the ceremony, posing for photos in their wedding finery, and visiting with guests that they actually have very little time to enjoy the food or the decorations. So, make sure you have a good photographer so you can enjoy the details later, remind yourself your guests aren't there for the food, and remember: You’re getting married to someone you love enough to imagine spending the rest of your lives together. Your day is already perfect. Next Item Previous Item

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