Women in front of Iowa Capitol Building | Vibrant Credit Union

Earn up to 5.00% APY* on savings

Meet the credit union that has better things to do with your money than building branches.

Ready for your money to make money?

Fill out the information below to be directed to the online application—or we'll be in touch to answer your questions.

Features & benefits

No monthly maintenance fees

Open an account with a $5 minimum deposit. There's no minimum balance requirement or transaction limit.

Tiered interest rates

The more you save, the more you earn. Interest is compounded and paid monthly.

Federally protected by NCUA

For deposits above $250,000, talk to us about strategies to ensure your entire balance is protected.

Your money stays local

When you move your savings to Vibrant, you’re getting more than a competitive rate. You’re putting your money to work in your own community.

Des Moines, you've never banked like this before.

We've brought full-service digital banking to your neighborhood—and it looks just like your new favorite place to get coffee or a quick meal. Inside every Vibrant Coffeehouse + Kitchen, you'll find an ITM (interactive teller machine) that connects you instantly via video with a Vibrant employee.

Even better, you'll save 20% on all food and drinks when you pay with your Vibrant credit or debit card.

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Super Savings Rates

Average Daily Balance	APY%
$500,000+	5.00%
$200,000-$499,999	4.00%
$100,000-$199,999	1.00%
$99,000 and below	0.01%

*APY = "Annual Percentage Yield." APYs accurate as of May 31, 2023. The APYs are promotional rates for the Super Savings account, which may change at any time. Tiered rate account; rates will only apply to the portion of the balance within that tier. Deposits will earn 5.00% APY for balances $500,000 or more, 4.00% APY for balances between $200,000 and $499,999.99, 1.00% APY for balances between $100,000 and $199,999.99, and 0.01% for balances between $100 and $100,000. $5 Membership Share account required. Federally insured by NCUA.