Vibrant Credit Union

Overview / Commentary
6600 44th Ave.
Moline, IL 61265

Vibrant Credit Union is headquartered in Moline and is the 11th largest credit union in the state of Illinois. It is also the 417th largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 219 employees and 45,179 members at 8 locations. Vibrant Credit Union's money market rates are 5X the national average, and it has a B health rating.

Reviews (5)

Very Pleased

I have banked with this credit union for about 10 years. I have enjoyed using their services over the years. Whenever I have questions in regards to my accounts they are friendly and helpful both in person and over the phone. Their saving accounts are great and I love to see the interest build over time. Their fees are much more reasonable than other credit unions in the area. I also enjoy their mobile making site because it makes it easy to keep up with my checking and savings balances. They have a great cashback checking rewards program just for sliding your debit card. That program is one of my favorite things about this credit union. Who doesn't love free money just for using your bank account?!

Long Term Customer

I have been with this credit union since I was 19 years old, I am now 32. They were formerly Deere Harvester Credit Union, then DHCU Community Credit Union and they are now Vibrant Credit Union. Though out all of the years I have been with them I haven't really had any complaints. I had only a savings account with them until recently. My credit is bad and I didn't qualify for a checking account, which never bothered me because I was able to do everything I needed as far as paying bills ect. from my savings account. After being with them for all of these years, shortly after the most recent name change, I encountered my first problem with them. I had recently moved out of state, and this is a local credit union to the Quad Cities. For some reason with the name change, my Amazon Payments account and my PayPal account would no longer link to my savings account. Which posed quite an issue since I get paid for my online work through those 2 agencies. Between Emails and phone calls with Caleb, they opened me a checking account to make the accounts link up once again. They didn't have to do this for me, I know I have terrible credit. They did all of this long distance as I live in Arizona now. They have been a wonderful organization to be a part of. They have done everything in their power to keep me a happy customer and make it to where I can keep them as my credit union. I highly recommend them if you are in the Quad Cities area and should ever expand beyond that area I recommend them for where ever that may be. Thank you Vibrant for being awesome and working with me through the problems.

Management First, Members Are Tools

An example: Vibrant pays per member per month for each online banking customer, so don't log in to your online account for a while and they turn you off.

Don't have any transactions in a certain time period (Earning interest doesn't count as a transaction) and they start charging you a $25 / month inactivity fee.

What do they do for you the for $25 fee each month? Not a damn thing - they don't even bother to send you a letter about the fee. All along you will receive their cheeky marketing emails.

High interest rate on a checking account with a nifty name? Beware: You have to earn it by using a connected debit card many times each month. Make sure you are aware of the penalties if you do not meet the usage requirement.

Do Not Apply If You Intend To Get Credit Elsewhere In 2 Years Or Less.

Posted by: |

CSR emailed me today that Vibrant requires a HARD PULL to join as any kind of basic member, even without borrowing plans. A no-no for me.

Terrible Terrible Terrible

Posted by: |

This is the rudest, most unprofessional credit union I have ever had to deal with. They bought out my credit union, and I knew I should’ve left then. There is no personal service. Instead of calling my local branch, I have to go through their headquarters in Moline I can never speak to a manager or a supervisor when needed.


Health Grade Components

NCUA #61093
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD7.22%
Annual Interest Income$33.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$1.03B$1.06B
LoansQ4 2022vs Q4 2021$764.5MM$799.4MM
DepositsQ4 2022vs Q4 2021$773.7MM$830.7MM
Equity CapitalQ4 2022vs Q4 2021$71.8MM$90.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$3.5MM$3.9MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$2.5MM$1.6MM
Real Estate OwnedQ4 2022vs Q4 2021$0$356.00K
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Always verify rates and promotions with the bank or credit union. We are not Vibrant Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vibrant Credit Union Savings Account Rates

0.40%*$100k*-High Interest Savings
OTHER TIERS: 0.01% Up to $100k
0.35%*$100k*-IRA Account
OTHER TIERS: 0.01% $100 - $25k | 0.10% $25k - $50k | 0.30% $50k - $100k
0.25%*$200k*-Super Savings
OTHER TIERS: 0.01% Up to $100k | 0.20% $100k - $200k
0.01%$100-Membership Savings
0.01%$100-Health Savings Account
0.01%$100-Club Savings Account
0.01%$100-Special Savings

Vibrant Credit Union Money Market Rates

3.25%*$500k*-Business Money Market
OTHER TIERS: 0.01% $100 - $10k | 0.10% $10k - $25k | 0.25% $25k - $100k | 0.50% $100k - $200k | 2.00% $200k - $500k
2.00%*$200k*-Yellow Money Market
OTHER TIERS: 0.01% Up to $10k | 0.10% $10k - $25k | 0.25% $25k - $100k | 1.00% $100k - $200k

Vibrant Credit Union Checking Account Rates

1.00%*$500*$10kMoneymaker Checking w/Vibrant Credit Card
OTHER TIERS: 0.20% $10k+
0.50%$500-Moneymaker Checking
0.25%*$100k*-Business Checking
OTHER TIERS: 0.15% $25k - $100k

Vibrant Credit Union CD Rates

4.50%$5-18 Month CD
4.00%$5-30 Month CD
3.75%$5-15 Month CD Special
3.30%$5-40 Month Bump-Up CD Special
0.80%$5-5 Year Add-On CD
0.65%$5-4 Year CD
0.50%$5-3 Year CD
0.40%$5-2 Year CD
0.30%$5-6 Month CD
0.20%$5-1 Year CD
0.20%$5-3 Month CD

Vibrant Credit Union Locations
Branch Office1090 S Congress StGeneseo, IL 61254
Branch Office3230 Ridge PtBettendorf, IA 52722
Branch Office371 3rd St WMilan, IL 61264
Branch Office4400 16th StMoline, IL 61265
Branch Office2445 Valley West DriveClinton, IA 52732
Branch Office414 61st St Suite 1Des Moines, IA 50312
Branch Office323 N Gilbert StDanville, IL 61832
Corporate Office6600 44th AveMoline, IL 61265-8127

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