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We're talking serious green.

It’s been a long time since we offered a rate this good. Fortunately, you won’t have to wait long to cash in.

Should you invest in a Certificate of Deposit?

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Pros

  • Flexible terms—from 3 months to 40 months or more 
  • Higher rate of return than traditional savings 
  • Guaranteed earnings
  • Flexible terms—from 3 months to 40 months or more 
  • Higher rate of return than traditional savings 
  • Guaranteed earnings
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Cons

  • Equity investments have greater earnings potential 
  • Risk of penalties for early withdrawal 
  • You’re locked in even if rates continue to rise 
  • Equity investments have greater earnings potential 
  • Risk of penalties for early withdrawal 
  • You’re locked in even if rates continue to rise 

Open a 15-month Certificate of Deposit

Ready to invest in one of the highest-earning CDs available right now? Submit the form below to get started.

* “APY” = “Annual Percentage Yield.” A minimum deposit of $5 is required. Early withdrawal before the end of the 15-month term will result in the forfeiture of all interest earned to date. The 15-Month Certificate of Deposit will automatically roll into a 12-month Certificate of Deposit at the end of the term unless otherwise specified. $5 Membership Savings deposit required to open a Certificate of Deposit account if you are not currently a Vibrant member. Member NCUA.  

Frequently asked questions

Is there a minimum balance required to open an account?

You can open a CD with as little as a $5 deposit. If you are not already a Vibrant member, you will also be required to make a $5 Membership Savings deposit. 

How is interest calculated?

Your interest earnings are calculated and added to your account on a quarterly basis.

Is there an early withdrawal penalty?

If you withdraw your funds before 15 months, you will forfeit all interest earned to that point.

Can I roll over my current Vibrant CD?

If you have a Vibrant Certificate of Deposit that is about to mature, contact us for assistance rolling it over.

Does the 15-month Certificate of Deposit automatically renew?

We’ll contact you when your CD is about to mature to discuss your options. Unless you specify otherwise, the 15-month CD will automatically renew as a 12-month CD with an interest rate to be determined by current rates at the rollover date.