Find the best high-yield savings (HYSA) and high-yield checking accounts available and the best CD rates of 2025. Open an account online in minutes at Vibrant Credit Union. PRESIDENTS DAY: All Vibrant branches and our corporate office will be closed on Monday, February 17, 2025. Mobile and online banking will still be available. PLAN AHEAD: Online banking will be unavailable on Tuesday, February 4, starting at 8.a.m. and lasting until noon on Wednesday, February 5, as we make updates to our system. Bank with the best Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Open an account Move your money to a Vibrant checking or savings account and start earning up to 450x more interest on your balance. Bank with the best Open an account If you can't be the best, why even bother? Market-leading rates Paying you more interest on your checking and savings every day is pretty much our whole deal. Check 'em out ZERO hidden requirements No monthly fees. No minimum balance. No direct deposit required. The only thing you have to do to qualify for our best rate is ... open an account. Find the right account No waiting around Bank at Vibrant speed—open an account in minutes, deposits checks from your phone 24/7, and hey, get that direct deposit up to 2 days early. Open an account We're the best kind of local. Learn more Sure, our rates are right up there with those internet-only banks. But there's one big difference between us and them—the money you deposit at Vibrant stays here, from the interest you earn to the investments we make in the communities we serve. Heads up! Our online application system will be conducting normal monthly maintenance on production systems between 10pm and midnight ET on Sunday, February 23, 2025. During this time some services may not be available. We anticipate any interruption to be less than 10 minutes. We're not just saying we're the best . It's been scientifically proven. Savings Checking CDs 4.50% APY* on balances up to $15,000 Vibrant 0.33% APY* Average Bank 0.20% APY* Average Credit Union 4.00% APY* on balances up to $24,999 Vibrant 0.21% APY* Average Bank 0.15% APY* Average Credit Union Vibrant 13-month CD 4.20% APY* Average Bank 1-year CD 2.36% APY* Average Credit Union 1-year CD 3.11% APY* * For illustrative purposes only. "APY" = "Annual Percentage Yield." Savings comparison: As of January 15, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.33% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.20% APY, based on a $2,500 balance. Vibrant APY is for the Preferred Savings account and is accurate as of January 15, 2025. Rates are subject to change. 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. $5 Membership Share account required. Federally insured by NCUA. Checking comparison: As of January 15, 2025, NCUA reports the national average rate for interest checking accounts offered by banks is 0.21% APY, based on a $2,500 balance, and the national average rate for interest checking accounts offered by credit unions is 0.15% APY, based on a $2,500 balance. Vibrant APY is for the Premier Checking account and is accurate as of January 15, 2025. 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. CD comparison: As of January 15, 2025, NCUA reports the national average rate for 1-year CD offered by banks is 2.36% APY, based on a $10,000 deposit, and the national average rate for a 1-year CD offered by credit unions is 3.11% APY, based on a $10,000 deposit. Vibrant APY is for the 13-month CD and is accurate as of May 2, 2025. When the 13-month certificate matures it will automatically renew into a 12-month certificate. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.

Get some of the best CD rates available in 2025. See our current CD specials and other CD terms. Open an account online in minutes. Stay ahead of falling rates Lock in a great rate while you can. Open a CD with a minimum deposit of just $5. Open a CD Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD Open a CD Stay ahead of falling rates Stay ahead of falling rates Stay ahead of falling rates Lock in a great rate until at least 2025. Open a CD with a minimum deposit of just $5. Open a CD $5 minimum deposit You don't need a four-figure deposit to get our best rates. Lock in a great rate With interest rates falling, a CD can help you maximize your returns for longer. No-risk growth As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed— no matter what the market does. Which CD is right for you? 6-month CD Our 6-month CD offers a competitive rate, giving you a secure and rewarding way to grow your savings in just half a year. Current rate 4.20% APY* 13-month CD Maximize your interest earnings through 2025 and beyond. Your balance is insured up to NCUA limits—and we can help you structure your deposit insurance for higher balances. Current rate 4.20% APY* 23-month CD If you're expecting interest rates to start dropping in the near term, this CD is a great way to lock in earnings for the next two years. Current rate 4.00% APY* Open a CD CD rates Term APY* 6-Month CD Special (2) 4.20% 13-Month CD Special*** 4.20% 23-Month CD Special (1) 4.00% 48-Month 3.95% 40-Month Bump Up Special (+) 1.90% 30-Month 0.50% 8-Month (++) 0.01% 9-Month*** 0.01% 12-Month 0.01% 15-Month CD Special*** 0.01% 18-Month 0.01% 24-Month 0.01% 36-Month 0.01% 5-Year Add-On Certificate** 0.01% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. **During the term of the Add-On certificate , you may make deposits of $5 or more at any time. ***9- , 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. 2. The 6-Month Certificate will auto-renew into a 6-month certificate at the current rate on the maturity date. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA. Frequently asked questions Who is eligible to open a CD with Vibrant? You can open a Vibrant account from anywhere in the United States. 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. Become a member of the Illinois Consumer Council, a nonprofit membership organization dedicated to consumer advocacy, financial education, and championing the rights of all consumers. We’ll even enroll you and cover any costs associated with your ILCC membership. 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. How old do I have to be to open an account? You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information. Is there a penalty for early withdrawal? You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options. What happens when my CD reaches the end of its term? If you choose not to withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the same term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity. What's the difference between a CD and a high-yield savings account like Preferred Savings? Depending on the CD term you choose, you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it can therefore earn more interest than you’d earn with a savings account. In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD. Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.

See Vibrant's current rates on checking and savings accounts, certificates of deposit (CD), personal credit cards, and more. Which rates are you checking? These rates are effective as of May 2, 2025. 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. No hoops. No hassle. Always great rates. Premier Checking Earn 4.00 APY* on your checking up to $24,999 Get started Preferred Savings Earn 4.50% APY* on balances up to $14,999 Get started 6-month CD Earn 4.20% APY* with our six-month CD Get started Personal Checking Account Rates Account Average Daily Balance APY* Everyday Checking Any 0.00% Premier Checking** $0 - $24,999 4.00% Premier Checking** $25,000+ 1.50% – 4.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. **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. Ready to make your money work harder? Open a checking account . Back to top Personal Savings Account Rates Average Daily Balance Membership Savings Everyday Savings ^ Preferred Savings ^^ Premier Savings ^ Elite Savings ^ APY* APY* APY* APY* APY* $1,000,000+ 0.05% 2.00% 1.00% – 4.50% 3.50% 4.50% $250,000 - $999,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.25% $100,000 - $249,999 0.05% 2.00% 1.00% – 4.50% 3.50% 4.00% $25,000 - $99,999 0.05% 2.00% 1.00% – 4.50% 3.50% 0.50% $15,000 - $24,999 0.05% 1.50% 1.00% – 4.50% 0.10% 0.50% $10,000 - $14,999 0.05% 1.50% 4.50% 0.10% 0.50% $100 - $9,999 0.05% 0.10% 4.50% 0.10% 0.50% $0 - $99 0.00% 0.10% 4.50% 0.10% 0.50% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. ^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. $5 Membership Share account required. Federally insured by NCUA. Ready to earn more on your money? Open a savings account . Back to top Business Money Market Account Rates Average Daily Balance APY* $500,000+ 1.00% $10,000 - $499,999 0.01% $100 - $9,999 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $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. Searching for flexibility and earnings on your balance? Open a business money market account. Back to top Looking for mortgage rates? Learn more 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% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Back to top Health Savings Account (HSA) Rates Average Daily Balance APY* $5,000+ 0.01% $100 - $4,999 0.01% $0 - $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Looking to supplement your healthcare coverage? Talk to us about an HSA . Back to top Certificate of Deposit (CD) Rates Term APY* 6-Month CD Special (2) 4.20% 13-Month CD Special*** 4.20% 23-Month CD Special (1) 4.00% 48-Month 3.95% 40-Month Bump Up Special (+) 1.90% 30-Month 0.50% 8-Month (++) 0.01% 9-Month*** 0.01% 12-Month 0.01% 15-Month CD Special*** 0.01% 18-Month 0.01% 24-Month 0.01% 36-Month 0.01% 5-Year Add-On Certificate** 0.01% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. *** 9- , 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. (++) The 8-Month Certificate Special will auto-renew into a 6-month certificate when the certificate matures. 1. 23-month CD will automatically renew into a 24-month term at maturity. 2. The 6-Month Certificate Special has an APY of 4.20%. The 6-Month Certificate will auto-renew into a 6-month certificate at the rate available at the time of 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 Insured Money Market Account Rates Average Daily Balance APY* up to $5,000,000 3.33% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Federally insured by NCUA. Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions. Protect your business funds with extended NCUA insurance coverage. Get started now. Back to top Business Checking Account Rates Average Daily Balance Standard Business Checking Community Business Checking APY* APY* $100,000+ 0.25% 1.00% - 3.00% $50,000 - $99,999 0.15% 1.00% - 3.00% $25,000 - $49,999 0.15% 3.00% $0 - $24,999 0.00% 3.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking Account and Standard Business Checking Account are a 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. Want to be part of a community that earns interest? Talk to an account manager about opening a checking account. Back to top Standard Business Checking Account Rates Average Daily Balance APY* *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. Business Checking is a tiered account; if the balance falls within the range for a particular tier, the dividend rate applicate to that tier will apply to the full balance. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA. Want to ditch those monthly fees and requirements? Open a business checking account. Back to top Personal Checking Personal Savings CDs IRA HSA Personal Accounts Insured Money Market Business Accounts Business Checking Business Savings Business Money Market High-Rate Business Money Market CDs Business Savings Account Rates Average Daily Balance Standard Business Savings Community Business Savings APY* APY* $0 - $99 0.00% 3.50% $100 - $24,999 0.005% 3.50% $25,000+ 0.005% 3.50% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Ready to earn a higher yield on your savings? Talk to an account manager to open a savings account. Back to top Standard Business Membership Savings Account Rates Average Daily Balance APY* $100+ 0.005% $0 – $99 0.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top Association Savings Account Rates Average Daily Balance APY* $25,000+ 2.00% $0 – $24,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Looking for a basic savings account without monthly fees or transaction limits? Open a business savings account. Back to top High-Rate Business Money Market Account Rates Average Daily Balance APY* $500,000+ 4.25% $200,000 – $499,999 4.00% $100,000 – $199,999 3.00% $0 – $99,999 1.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. $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. Searching for flexibility and earnings on your balance? Open a business money market account. Back to top Community Business Checking Account Rates Average Daily Balance APY* $50,000+ 1.00% - 3.00% $0 to $49,999 3.00% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Community Checking 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. Want to be part of a community that earns interest? Talk to a account manager about a community checking account. Back to top Business Accounts Community Business Checking Standard Business Checking Community Business Savings Standard Business Membership Savings Association Savings Business Money Market High-Rate Business Money Market CDs Community Business Savings Account Rates Average Daily Balance APY* $0 and up 3.50% *APY = "Annual Percentage Yield." APYs accurate as of May 2, 2025. Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. Are you a small or mid-sized business looking for a higher yield on your savings? Talk to a relationship manager about a community savings account. Back to top

To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” 5 money-saving tips for college graduates To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” To save money, you have to spend less than you earn. Simple enough, right? The truth is that it’s easier said than done. Saving money takes discipline, especially when you’re fresh out of college. No more classes and no more homework, but there are bills to pay and plenty of opportunities to spend your hard-earned money now that you’ve entered “the real world.” Here are five simple tips for how to stay on top of your savings after you graduate college. Start with a simple budget You can certainly keep a running list of expenses and then add it up at the end of the month to see if you spent less than you earned, but making a budget might be more helpful. Consider the 50/30/20 approach to budgeting. Set aside 50% of your budget for your “needs” like rent, utilities, and groceries, 30% for your “wants” like road trips, tickets to concerts, and pizza on Friday nights, and the last 20% for savings. The idea is to figure out how much you have to spend on what you need, so that you know how much you can afford to spend on what you want. Make your student loan payments According to the most recent statistics, about 45 million Americans have student loan debt. If you’re one of them, the sooner you start making payments, the better off you’ll be. Most student loans have a six-month grace period after graduation, but you’ll save on interest if you can start paying off that debt sooner. Most importantly, make sure you are making your payments on time. If you have federal student loans and are struggling to make payments, it might be worth considering applying for an income-driven repayment plan. Work on building your credit Need another reason to make your student loan payments? Well, aside from the fact that that debt isn’t going anywhere unless you start paying it off, making payments helps build your credit. It’s an opportunity to show lenders that you are a responsible borrower, improving your chances of being approved for a mortgage or a car loan. You should also explore other ways to build your credit, like applying for a credit card. Just remember to spend responsibly! Keep enough in your savings for emergencies Not all savings is for retirement. And considering you’re a recent college graduate, it’s safe to say retirement is probably not in your immediate future. Savings at your age is about creating breathing room, because a budget will only get you so far before an unexpected expense wrecks your budget. You can start by aiming to save at least 20% of your paycheck and setting it aside in a high-yield savings account. Consider that your emergency fund. If you can reach the point where you have at least $500 set aside for emergencies, you’ll have a great start. Understand the basics of investing The next best thing to saving your money is investing it. Now before you start dreaming about trading on Wall Street, there are simpler ways to invest than buying individual stocks. You can invest your income in a retirement account like a 401(k) or IRA, allowing your money to grow over time due to compound interest. Retirement may be in your distant future, but your future self will almost certainly be thankful you invested as early as you did. If you are interested in learning more about how you can start saving post-graduation, please get in touch with us . The learning never stops, even after college! Next Item Previous Item

Plan your next visit to Rock Island, IL - ATM only. Get hours, services, and driving directions. Rock Island, IL - ATM only 2365 11th St Rock Island, IL 61201 United States (800) 323-5109 Get directions ITM (digital banking) hours Services Cash-dispensing ATM FAQ

Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. 5 reasons to take your business banking to a credit union Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. Any business is only as good as their relationships. Not only with their customers, but also with their financial institution. Whether you’re an established company or a start-up, finding the right financial partner is a key step in growing and maintaining your business. And if you’ve already picked a partner, it might be worth taking a closer look at that relationship, especially if it’s a bank. You might not know what benefits a credit union can offer your business. Serve all of your business banking needs If you’ve been fed the myth that credit unions offer fewer business banking services than banks, we have news for you. Whatever your needs are as a new or established business, a credit union is well equipped to handle them, from lending and checking to credit and investments. Credit unions might often have a small town feel, but they’re built to support big businesses. Credit unions are member-owned The key difference between a credit union and a bank is not their banking services. It can actually be boiled down to one word: profit. Banks are for-profit and their profits go to their shareholders. Credit unions are not-for-profit and member-owned. You might notice the difference in the rates for business loans and business lines of credit. Banks usually charge higher rates than credit unions. Credit unions are also able to offer higher yield on savings accounts. It’s their way of returning their profits back to their members. Credit union fees are designed to benefit members If you long for the days without having to pay annual credit card fees and monthly checking fees, bank with a credit union. As a not-for-profit organization, it means they have less incentive to charge their account holders with a laundry list of extra fees. In fact, Vibrant Credit Union actually charges no fees for all business accounts. If you’re a business owner, imagine how much you could save without having to pay transaction fees. Account accessibility is not a problem There’s a school of thought that bigger banks have bigger wallets to afford better technology. But even if there might have been a technology gap at one point between banks and credit unions, that gap has long since been closed. Credit unions are not blind to the fact that business owners need to be able to bank from anywhere these days. That’s why they’ve stepped up their game in terms of online and mobile banking services. So even if you’re not near one of their branches, you can still access your account, transfer funds, make remote deposits, and more. Partner with a lender that is relationship-focused and community-driven The best professional partnerships are built on personal trust. Because credit unions answer only to their members, that is where their focus lies. They want to build long-term relationships. There’s also a good chance that your average credit union has greater ties to the local community than a national brand bank. You may see them sponsoring events that benefit the local community, or making donations and offering scholarships. If you’re interested in learning more about what a credit union can do for your business, please get in touch with us . Next Item Previous Item

Relentlessly focused on the products it knows it does better than its competitors, Vibrant isdevoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. Meet the new Vibrant: The best place to move your money Relentlessly focused on the products it knows it does better than its competitors, Vibrant isdevoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. MOLINE, ILLINOIS (April 3, 2024) — Last fall, Vibrant Credit Union decided it was time to start offering members something they couldn’t find at any other local financial institution: interest on their savings and checking balances that adds up to more than a handful of pennies a year. Interest rates on consumer borrowing, especially car and home loans, have risen significantly over the last 2+ years as the Federal Reserve has raised the federal funds rate to combat inflation. At the same time, interest rates on consumer deposits—the funds that financial institutions use to make many of those loans—have remained stubbornly low. Most big banks still offer a measly 0.01 percent annual percentage yield on consumer savings—meaning that if you deposit $10,000 in a savings account, by the end of the year, you’ll earn a single dollar in interest. Put that same $10,000 in Vibrant’s new Preferred Savings account, though, and you’ll earn $450. Further, the account has no monthly service fees, no minimum balance requirements, and no hidden conditions about setting up direct deposit or making a certain number of debit card transactions each month to qualify. It's a strategy that’s proving wildly successful for the credit union. In February alone, current and new members moved an additional $26 million in deposits to Vibrant. So why aren’t other financial institutions following suit? Matt McCombs, Vibrant’s president and CEO since 2015, thinks it’s because Vibrant’s new model goes against the conventional wisdom of what a credit union is supposed to look like. “Over the last few years, we’ve taken a long hard look at where we’re spending our members’ money and how well that aligns with what they actually want us to spend money on,” says McCombs. “For instance, a decade ago, more than half our members did at least some of their banking in person at one of our branches. Last year, that number was down to about 16 percent, and it’s continuing to drop. “So we asked, what if we invested more in the technologies and services our members are actually using—like our online banking platform and our call center? What if we repurposed some of those spaces that were being underutilized as branches and turned them into revenue-generating coffee shops that also offer video banking? What if we close some of those branches outright and use the savings to pay our members more interest on their deposits?" That’s the new Vibrant: relentlessly focused on the products it knows it does better than its competitors and devoting its energy and investments into building up the service channels its members prefer to use, especially its digital banking platforms and its Moline-based call center. “It’s a matter of understanding our strengths and doubling down on them,” says McCombs. For now, it means that Vibrant doesn’t look like anyone else in the area. But McCombs is confident Vibrant’s model is the way of the future. “The days of getting all your financial needs met by a single institution are over. When someone wants to buy a house, they can get on Rocket Mortgage. When they want to buy a car, they go straight to the dealership. We don’t mind if our members get the best deal on their loans from someone else, because that means we’re able to give them the best deal on their deposits.” Even given the rise of so many internet-only financial institutions, McCombs also sees an important place for credit unions like Vibrant. “In general, people prefer to do business with local people,” McCombs says. "When they have questions, they want to be able to talk with someone they know. They want to support local jobs. They're just not going to do it at the expense of passing up a much better deal online. Our savings and checking options give people an excellent reason to keep their money here in our communities.” About Vibrant Vibrant was founded in 1935 as a federally insured credit union with its roots in agricultural manufacturing. Now an industry-leading deposit rate competitor, customers across the country can bank with the best utilizing easy access apps and money movement-friendly accounts with top earning rates. In the community, Vibrant strives to bring specialized products to nonprofits and small businesses to foster all to "be the good." With a belief in the spirit of human connections and partnership, Vibrant brings banking together with coffee to operate Vibrant Coffeehouse + Kitchen throughout the Midwest, which provide house-roasted coffee and offer a space for work, community, and fun. Not far from their roots, Vibrant also provides relationship- and education-focused equipment financing programs to outdoor equipment manufacturers nationwide. Next Item Previous Item

Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. Your Guide to the Best Guides to 2023 Black Friday Deals Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. Is it just us, or does Black Friday feel more like Black Autumn lately? If your inbox is like ours, you’ve been receiving early holiday deals from your favorite retailers since the first week of October. We’re all for getting your shopping done early and staying home watching football and eating leftover turkey sandwiches instead of braving the crowds before sunrise—but, especially this year, it makes sense to try to get the maximum bang for your holiday buck. Whether you prefer to shop online or in person, the good news is that there’s now a whole cottage industry devoted to evaluating the newest products and tracking down the latest deals. Here are some of the most useful. The best guide when you’re shopping for the best (fill in the blank): The Wirecutter Thinking about getting someone you love a digital piano? An espresso maker? A new bike? If you haven’t got your heart set on a specific make and model, a great place to start your search is The Wirecutter . The site offers buying guides for everything from down jackets to insulated coffee mugs to computers and kitchen appliances—and not only offers readers the best options based on value or overall quality, but also provides up-to-the-minute pricing information from big retailers like Amazon, Walmart, and Target. The only downside is that the site produces such thorough, easy-to-use reviews that it was purchased by The New York Times a few years ago, which has recently started charging for a separate subscription to the site. Now, you can only view 10 articles for free each month—but the good news is that unlimited access only costs $5 a month. (Even better, The New York Times now allows you to cancel your subscription online, without speaking to a customer service representative, if you plan to log in for the holiday season only.) Do they publish specialized Black Friday deal finders? Yes! Typical review: The best fitness trackers The best guide when you need a little gifting inspiration: The Strategist Are you the kind of person who wants to know which products your favorite celebrity can’t live without? Or perhaps someone who wants gift suggestions for teenaged girls made by actual teenaged girls? How about an introduction to the best choices for some luxury item (velvet duvet covers, cashmere socks, fancy moisturizers) you never considered buying before? Then New York Magazine ’s shopping blog The Strategist offers exactly the kind of advice you’re looking for. One of the site’s specialties is combing through all the latest sales and compiling all the best available deals in a single list—which is a great way to find yourself suddenly buying a $400 state-of-the-art cordless vacuum and a cute ceramic pie plate when you had no previous intention to purchase either. Beware, impulse shoppers! On the bright side, you can read their content without paying for a full New York subscription. Do they publish specialized Black Friday deal finders? Yes! Typical review: The Best Secret Santa Gifts on Amazon under $25 The best guide when you’re making a major purchase: Consumer Reports Consumer Reports is the granddaddy of product review sites—in fact, it got its start as a print magazine that it still publishes. It’s still the gold standard for evaluating big-ticket items from refrigerators to trucks. Of course, they review smaller appliances, as well as some truly unusual items like flooring, paint, and portable generators. Their monthly subscription rate ($10) is pricier than The Wirecutter, but an annual subscription is only $39.95. What’s more, Consumer Reports is a nonprofit organization that puts all the money it earns back into its labs, scientists, researchers, and technicians. Think of them as the only credit union in a market full of banks. Do they publish specialized Black Friday deal finders? Yes, and organized by category and price (for those of you who don’t want to spend more than $50 on Aunt Hilda) Typical review: All-Season Tires (searchable by year, make and model of vehicle) The best guide for checking whether you’ve found an actual bargain: Google Shopping As a review site, Google Shopping offers minimal content—just the average consumer rating from Google's own review system, as well as advertisers, sellers, and other third-party sites. But once you think you know what you want, it’s a fast and easy way to check if there’s a better price available. Just plug in the name of the product you want to buy, and it will bring up listings from multiple retailers and their current advertised price. Google also understands that all retailers aren’t created equal—and that many consumers are afraid of getting ripped off if they purchase an item from a retailer they don’t recognize. If Google finds reviews attesting to fast shipping, an easy return process, and good user ratings, it will indicate that a retailer is a “trusted store.” Do they publish specialized Black Friday deal finders? No, but they can find you a deal on a DVD of the horror movie Black Friday Typical listing: Diptyque Feu du Bois Scented Candle (available for $40 compared to a list price of $72) The guide for wasting your time: BuzzFeed Shopping It should come as no surprise that when BuzzFeed shops, it shops in clickbait-y headlines: “30 ShopDisney Products So Good, You’ll Be Tracking Delivery Until They Arrive. ” “37 Travel Products that Will Make You Want to Book Your Next Flight ASAP .” “33 Things To Help You Fit Way More Stuff In a Small Space .” Most featured products don’t include original reviews, just links to purchase the product and a couple of representative consumer reviews copied from retail sites. But, hey, it’s free, so long as you’re willing to put up with a dozen different banner ads flashing past as you scroll and to reward this kind of lazy content with your precious clicks. Do they publish specialized Black Friday deal finders? Yes, but their coverage of early Black Friday specials is … not great Typical review: Target Finds (sponsored by Target) The guide that’s not a guide, just a really good place to spend Black Friday: Vibrant Coffeehouse and Kitchen This is the Black Friday destination that has everything: ample parking, delicious coffee and food, comfortable seating, and a wide assortment of everything from hoodies to mugs to locally made earrings for sale. Grab a holiday mocha and sip while you browse—or stake out a booth and use our WiFi to shop online while you enjoy free refills of house-roasted P.O.B.C. (that’s “plain old black coffee”). Do they offer special Black Friday deals? Well, members save 20% on food and drinks when they pay with a Vibrant credit or debit card every day—but keep an eye out on social media for some last-minute surprises and exclusives! Next Item Previous Item

With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. Understanding recent bank failures and what they mean for you With the back-to-back-to-back failures of Silicon Valley Bank, Signature Bank, and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. With the back-to-back-to-back failures of Silicon Valley Bank , Signature Bank , and Silvergate Bank, followed by widespread turmoil in the financial markets, it's only natural to wonder whether your own money is safe where it is. The most important thing to know is that these recent bank failures were the fault of decisions made by those institutions specifically — and that they don’t necessarily reflect on the financial stability of other banks and credit unions. Nevertheless, their collapse is a timely reminder to learn more about the financial health of your own credit union or bank. Here are a few tips for evaluating how safe your money is. If you have less than $250,000 in deposits with a single NCUA- or FDIC-insured financial institution, you’re not at risk. If you have less than a total of $250,000 deposited among your accounts (including checking, savings, money market, CD, IRA, and Revocable Trust accounts), your funds are protected. If you share any of those accounts with another person, then both of you are individually insured up to $250,000 in deposits. That means that if you and your spouse share a checking account and a savings account, then you’re protected up to $500,000 of deposits. Three account owners? Then you’re protected up to $750,000. How do you find out if your financial institution is NCUA- or FDIC-insured? Deposit insurance for credit union members is provided by the National Credit Union Administration (NCUA). All federal credit unions and nearly all state-chartered credit unions (including Vibrant) are protected by NCUA deposit insurance. You can confirm your credit union’s NCUA status by searching the NCUA member database . You should also see notices about its NCUA insurance posted on its website and on its premises. Deposit insurance for U.S. banks is provided by the Federal Deposit Insurance Corporation (FDIC). Nearly all U.S. banks are FDIC-insured. As with the NCUA, the FDIC also requires member institutions to post notices about its FDIC membership on its website and on its premises. You can also confirm a bank’s FDIC status through the FDIC website. If you DO have deposits in excess of FDIC or NCUA limits, take a closer look at your financial institution’s performance. There may be situations where you need to maintain a total balance above the deposit insurance limit of $250,000 — for instance, if you’re running a business with large cash requirements for payroll or inventory or if you're trying to maximize your interest earnings by consolidating your money in a single account with the best available rate. If that’s the case, here are some ways to assess your financial institution’s overall health. 1. Find out where your credit union or bank invests its deposits. Financial institutions generate revenue in two ways — either by lending money out and earning interest on those loans or by investing in other forms of equity — stocks, bonds, and other securities. You can look at Vibrant’s statement of financial condition to get a broad overview of where we invest deposits. In the case of Silicon Valley Bank, by comparison, more than 40 percent of its income came from investments — many in the form of long-term Treasury bonds, which have lost value as interest rates have risen in the last year. Meanwhile, Signature and Silvergate heavily invested in cryptocurrency, which has also lost significant value in the past year. 2. Look for steady deposit growth. When people and businesses continue to deposit their money with an institution, it’s a sign there’s strong confidence in how the institution manages its assets. In Vibrant’s case, total deposits have grown from about $407 million at the end of 2012 to about $774 million at the end of 2022 — a 47 percent increase in deposits over the last decade. (You can access past financial statements for Vibrant or any credit union via the NCUA website if you really want to get in the weeds.) 3. Look at the institution’s capitalization classification. Every NCUA- or FDIC-insured financial institution must meet certain capital requirements that ensure it has enough cash on hand to meet its depositors' needs. NCUA considers a credit union “well capitalized” if it has a net worth ratio above 7 and a capital ratio above 10. For reference, Vibrant’s current net worth ratio of 9.48 and capital ratio of 14.93 place it well within the "well capitalized" category. (Capitalization classifications are available for every credit union within the quarterly call reports posted on the NCUA website.) Why a credit union can be a less risky choice than a bank The bank run that led to the collapse of Silicon Valley Bank resulted from widespread panic among depositors after its financial reporting showed the bank might not have funds available to meet all its financial obligations. Rather than risk losing any deposits in excess of FDIC insurance limits, many customers decided to withdraw their funds while they could and move them elsewhere — making Silicon Valley Bank’s existing issues even worse. In general, credit unions like Vibrant are far less likely to experience bank runs because the overwhelming majority of their deposits are federally guaranteed. More than 90 percent of credit union deposits fall within deposit insurance limits, while only about 50 percent of bank deposits do. Additionally, credit unions tend to prioritize safe, sound, and fiscally responsible investments over the pursuit of the ever-higher profits expected by bank shareholders. As member-owned nonprofits, credit unions don’t answer to Wall Street — only to their members. For Vibrant, that means lending money at affordable rates and providing a fair return for members who put their savings into money market accounts and certificates of deposit. If you’re considering moving your money now, talk to us about how we can help safeguard your deposits while enabling you to meet your financial needs. Open an account today . Next Item Previous Item

What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What is a certificate of deposit and how does it work? What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." What’s a CD? For some, CD stands for compact disc, which was used to record and play music once upon a time, in an age before smart phones and iPods. But that’s not the type of CD we’re talking about here. In the financial world, "CD" stands for "certificate of deposit." If you’re unfamiliar with certificates of deposit, it’s an investment tool that allows you to turn the tables on the lender. Instead of paying interest on a loan, the bank pays you interest on a deposit. What is a certificate of deposit? As the name suggests, a certificate of deposit is a deposit. You deposit a specific dollar amount with a lender, but you agree not to withdraw that deposit for a certain length of time. It could be three months, a year, or even as long as 10 years. For as long as you agree to leave the deposit with the lender, you will earn interest on that deposit. Once your certificate of deposit has reached what’s called its “maturity date,” you can withdraw that money, penalty-free. Like a cherry on top of an ice cream sundae, you’ll also get to pocket the interest. How does a CD work? The most important parts of a certificate of deposit are the interest rate and the length of the deposit. Generally, the longer you are willing to leave your deposit with a lender, the better the interest rate they’re going to offer you. CDs are an appealing alternative to a traditional savings account because the interest rates are often higher and the rates are fixed. It’s considered a safe investment tool because you’re not at the mercy of the market. CDs are also federally insured, so your deposit is protected. You also have the freedom to shop around and find the lender that offers the best CD interest rates. Is a CD right for you? Do you have a chunk of cash tucked away that you don’t need right now? Instead of collecting dust, that money can collect interest in a CD. It can grow into a bigger chunk of cash that you can then use toward a home, a car, or even a boat if you’re looking to set sail. The risk is obviously that, in the event that you find yourself in a bind, you can’t withdraw the funds without paying a penalty. So it’s best not to think of this deposit as an emergency fund. On the flip side, it can remove the temptation to spend that money. You can consider the CD as safekeeping for savings you might be tempted to spend under the right circumstances. If you’re interested in a Certificate of Deposit, get in touch with us ! The sooner you make your deposit, the sooner you can start growing that deposit into something more. Next Item Previous Item

Get the official rules to our Nate Bargatze ticket giveaway for his performance at Vibrant Arena on Friday, August 23, 2024. Cirque du Soleil Crystal Ticket Giveaway 1. ENTRY: No purchase necessary to enter. The winner will receive four (4) tickets to see Cirque Du Soleil - Crystal at Vibrant Arena at The MARK in Moline, Illinois, on Friday, February 14, 2025, at 7:00 p.m. To enter, contestants should like Vibrant Credit Union’s Facebook Page, comment on and/or share the indicated Facebook post (as this is a public forum, please do NOT provide any personal identifying information) and fill out the online form. 2. ELIGIBILITY: This contest is open only to legal U.S. residents. Void where prohibited by law. Contestants residing in those areas where the contest is void may participate in the contest but may not win any prizes. 3. WINNER SELECTION: One (1) winning entry that meet the indicated criteria will be chosen 24-48 hours in advance of the performance. 4. PRIZES: One (1) winner will receive four (4) tickets. The winners will be able to pick up their tickets before the show at Vibrant's headquarters at 6600 44th Avenue, Moline IL 61265 during normal business hours (8:30 a.m. – 5 p.m. M-F and 8:30 a.m. – 12 p.m. on Saturdays). 5. WINNER NOTIFICATION: Winner will be notified via Facebook Messenger. They will have 24 hours to respond before another winner is picked. 6. NOT ENDORSED BY FACEBOOK OR OTHER SOCIAL MEDIA: By participating in this contest, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with, Facebook and release Facebook from all liability arising from or related to this contest. 7. CONDUCT: All contest participants agree to be bound by these Official Rules. Vibrant in its sole discretion reserves the right to disqualify any person it finds to be tampering with the entry process, the operation of its website or is otherwise in violation of these rules. All contestants participating agree to obey all laws and to conduct themselves in a safe and appropriate manner. Vibrant reserves the right to cancel, terminate, modify or suspend the event if in its sole discretion there are any unsafe acts or conditions. Contestants are responsible for their own actions. 8. LIMITATIONS OF LIABILITY: Vibrant is not responsible for lost or misdirected entries or for any computer, online, telephone, or technical malfunctions that may occur. If for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, Vibrant Credit Union may cancel, terminate, modify or suspend the contest. Entrants further agree on behalf of themselves, their heirs, agents and assigns, to release Vibrant from any liability resulting from, or related to their participation in the contest, or as a result of Vibrant’s negligent acts related to the contest, including but not limited to personal injury, property damage or death. Enter the Contest

Get the official rules to our Nate Bargatze ticket giveaway for his performance at Vibrant Arena on Friday, August 23, 2024. Cirque du Soleil Crystal Ticket Giveaway 1. ENTRY: No purchase necessary to enter. The winner will receive four (4) tickets to see Cirque Du Soleil - Crystal at Vibrant Arena at The MARK in Moline, Illinois, on Friday, February 14, 2025, at 7:00 p.m. To enter, contestants should like Vibrant Credit Union’s Facebook Page, comment on and/or share the indicated Facebook post (as this is a public forum, please do NOT provide any personal identifying information) and fill out the online form. 2. ELIGIBILITY: This contest is open only to legal U.S. residents. Void where prohibited by law. Contestants residing in those areas where the contest is void may participate in the contest but may not win any prizes. 3. WINNER SELECTION: One (1) winning entry that meet the indicated criteria will be chosen 24-48 hours in advance of the performance. 4. PRIZES: One (1) winner will receive four (4) tickets. The winners will be able to pick up their tickets before the show at Vibrant's headquarters at 6600 44th Avenue, Moline IL 61265 during normal business hours (8:30 a.m. – 5 p.m. M-F and 8:30 a.m. – 12 p.m. on Saturdays). 5. WINNER NOTIFICATION: Winner will be notified via Facebook Messenger. They will have 24 hours to respond before another winner is picked. 6. NOT ENDORSED BY FACEBOOK OR OTHER SOCIAL MEDIA: By participating in this contest, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with, Facebook and release Facebook from all liability arising from or related to this contest. 7. CONDUCT: All contest participants agree to be bound by these Official Rules. Vibrant in its sole discretion reserves the right to disqualify any person it finds to be tampering with the entry process, the operation of its website or is otherwise in violation of these rules. All contestants participating agree to obey all laws and to conduct themselves in a safe and appropriate manner. Vibrant reserves the right to cancel, terminate, modify or suspend the event if in its sole discretion there are any unsafe acts or conditions. Contestants are responsible for their own actions. 8. LIMITATIONS OF LIABILITY: Vibrant is not responsible for lost or misdirected entries or for any computer, online, telephone, or technical malfunctions that may occur. If for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, Vibrant Credit Union may cancel, terminate, modify or suspend the contest. Entrants further agree on behalf of themselves, their heirs, agents and assigns, to release Vibrant from any liability resulting from, or related to their participation in the contest, or as a result of Vibrant’s negligent acts related to the contest, including but not limited to personal injury, property damage or death. Enter the Contest