Vibrant Credit Union


Overview / Commentary
800-323-5109
6600 44th Ave.
Moline, IL 61265

Vibrant Credit Union is headquartered in Moline and is the 12th largest credit union in the state of Illinois. It is also the 421st largest credit union in the nation. It was established in 1935 and as of September of 2023, it had grown to 178 employees and 44,821 members at 7 locations. Vibrant Credit Union's savings rates are 9X the national average, and it has a B health rating.

Great High Yield Savings Rate

Posted by: |

I have had a checking account for a couple years but recently opened a preferred savings account there. Currently the rate is 4.5%, which is great for a local credit union. Not only that but they converted my no-fee checking account at the same time and now that account gets 4% interest as well. I did have an issue when setting up some ACH transfers but got a hold of support and they took care of it right away with me. Pretty happy with it.

So Far So Good

Posted by: |

I'm not a young saver, but when I ran across this 5.5% CD rate for $5 I had to check it out. I tell young people and oldc to start off with whatever you can and it will add up. If things go well, I will introduce my friends to Vibrant.

Overall rating is 4 stars because of the other lower rates.
CS rating is 4 stars because I needed my SS Card but I only needed to show the front side of my driver license.

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.

Just Too Much Trouble

Posted by: |

Tried to open a CD. From trying to link accounts to what is required to open it was too much trouble. The system to open account hit a snag when trying to open CD. I wanted to make sure they would not try to pull funds later, I called them. I should have just told them to cancel everything and move on. I DID NOT! I gave them a second try. They set up the ACH withdraw. I also had to sign a DocuSign, that made no sense at all. A couple days later, no funds were moved yet. WHAT??? I called and cancelled everything. (They wanted me to sign another DocuSign to close the CD that was never funded. I said "Do what ever, but I'm not sighing to close an unfunded account.")
A few hours later, I received a call from the manager. She was very pleasant. I informed her that the run around to open a CD was just not worth it. Everything was closed and I moved on.
I will say they have the best and politest customer service I have seen in a long time. It was so good, that in the future I may just try them again.

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Health

Health Grade Components

Overall
NCUA #61093
Year Chartered1935
Employees178
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD2.02%
Annual Interest Income$27.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.02B$1.03B
LoansQ3 2023vs Q3 2022$768.1MM$779.4MM
DepositsQ3 2023vs Q3 2022$770.6MM$818.6MM
Equity CapitalQ3 2023vs Q3 2022$66.7MM$71.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.8MM$3.7MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.4MM$2MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$1m*-Elite Savings
OTHER TIERS: 0.50% Up to $100k | 4.00% $100k - $250k | 4.25% $250k - $1m
4.50%*-$15kPreferred Savings
OTHER TIERS: 1.00% $15k+
3.00%*$100k*-Premier Savings
OTHER TIERS: 0.10% Up to $25k | 2.00% $25k - $50k | 2.50% $50k - $100k
2.00%*$25k*-Everyday Savings
OTHER TIERS: 0.10% Up to $10k | 1.50% $10k - $25k
1.00%*$250k*-Super Savings
OTHER TIERS: 0.01% Up to $100k | 0.50% $100k - $250k
0.35%*$100k*-IRA Account
OTHER TIERS: 0.01% $100 - $25k | 0.10% $25k - $50k | 0.30% $50k - $100k
0.01%$100-Membership Savings
0.01%$100-Health Savings Account

Vibrant Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$500k*-Business Money Market
OTHER TIERS: 0.01% $100 - $500k
0.25%*$25k*-Yellow Money Market
OTHER TIERS: 0.01% Up to $10k | 0.10% $10k - $25k

Vibrant Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$25kPremier Checking
OTHER TIERS: 1.50% $25k+
0.25%*$100k*-Business Checking
OTHER TIERS: 0.15% $25k - $100k

Vibrant Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$5-13 Month CD Special
4.00%$5-23 Month CD Special
2.00%$5-30 Month CD
1.90%$5-40 Month Bump-Up CD Special
0.80%$5-5 Year Add-On CD
0.65%$5-4 Year CD
0.60%$5-18 Month CD
0.60%$5-2 Year CD
0.50%$5-3 Year CD
0.50%$5-15 Month CD
0.30%$5-8 Month CD
0.20%$5-1 Year CD
Locations


Vibrant Credit Union Locations
Branch Office1090 S Congress StGeneseo, IL 61254
Branch Office3230 Ridge PtBettendorf, IA 52722
Branch Office4400 16th StMoline, IL 61265
Branch Office323 N Gilbert StDanville, IL 61832
Corporate Office6600 44th AveMoline, IL 61265-8127
Branch Office3801 N Brady StDavenport, IA 52806
Branch Office520 E Grand AveDes Moines, IA 50309

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