Vibrant Credit Union Adds 15-Month CD Special


Deal Summary: 15-month CD Special, 1.30% APY, no minimum deposit.

Availability: Possible easy membership requirement.

Illinois-based Vibrant Credit Union (Vibrant) recently introduced a 15-month CD Special, which currently earns 1.30% APY. Vibrant CDs have no minimum opening deposit requirement or stated balance cap.

1.30%$5-Vibrant Credit Union15 Month CD
Rates as of August 14, 2020.

As stated in the Rates & Service Charges document, the heavy-handed Early Withdrawal Penalty reads as follows:

We may impose a penalty if you withdraw any of the principal of the Certificate Account before the maturity date.

1) Amount of Penalty. The amount of the penalty is all of the dividends earned on the account.

Funding any type of CD can be done by an ACH or wire transfer. According to CSR, the easiest way to fund a CD is through an internal transfer from a Vibrant checking or savings account. Vibrant participates in the CO-OP Shared Branch network, which makes depositing money relatively easy.

Maturing funds will be distributed by a cashier’s check to the address on file, wire transfer, or a transfer to a Vibrant checking or savings account. There is a seven day grace period before the 15-month CD automatically renews as a 12-month CD.


Headquartered in Moline, Illinois, Vibrant Credit Union’s field of membership (FOM) includes three ways to qualify for membership.

Residency: U.S. citizens who live in any of 22 northwest Illinois counties, 15 southeast Iowa counties, three west central Indiana counties, or three southwest Wisconsin counties are eligible to join.

Employment: Employees of more than 200 companies (listed only on the online application) also qualify for membership.

Other: As stated on the online application, the third eligibility option reads:

I want to qualify a different way.

No problem! Complete the rest of the application and we will contact you!

Joining Vibrant and/or opening a CD Special can be done online. Not all of Vibrant’s 11 branch locations in Illinois, Iowa, and Indiana are currently for walk-in transactions. The COVID-19 Update page provides complete branch information, but as of yesterday, the following locations are open during regular business hours.

  • Member Contact Center, Moline, IL
  • Brady Street Branch Drive-Thru, Davenport, IA
  • Bettendorf Branch Drive-Thru, Bettendorf, IA
  • Clinton Branch Drive-Thru, Clinton, IA
  • SouthPark Branch Drive-Thru, Moline, IL
  • Gilbert Branch Drive-Thru, Danville, IL

Your membership at Vibrant starts with as little as $5 in a credit union savings account.

Vibrant participates in the CO-OP Shared Branch network and the AllPoint ATM network.

Credit Union Overview

Vibrant Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.89% (excellent) based on December 31, 2019 data. In the past year, Vibrant CU has increased its total non-brokered deposits by $47.19 million, an excellent annual growth rate of 9.28%. Please refer to our financial overview of Vibrant Credit Union (NCUA Charter # 61093) for more details.

Chartered in 1935 for the benefit of the John Deere Harvester Works Plant employees, the original Deere Harvester Credit Union opened its doors with a modest $40 in assets. In the mid-90s, the field of membership was changed to include non-employees, as well as John Deere employees.

In 2005, John Deere requested the credit union to rebrand and remove any name/affiliation with the John Deere brand. At that time we changed from Deere Harvester Credit Union to DHCU Community Credit Union (an acronym without a meaning).

Following the DHCU rebrand, there was still confusion about non-employees being eligible for membership, so the name was changed to Vibrant Credit Union in late 2015.

Between February 2017 and April 2018, Vibrant CU acquired one Iowa (IntegrUS Credit Union) and four Illinois credit unions (Salt Creek Credit Union, First Illinois Credit Union, Electris Energy, Inc. Employees Credit Union, and Dekalb County Credit Union). Vibrant Credit Union is currently the 13th largest credit union headquartered in Illinois, with more than 50,000 members and assets in excess of $809 million.

How the CD Special Compares

When compared to 140 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available within the FOM, Vibrant Credit Union’s 15-month CD Special APY currently ranks second.

The above rates are accurate as of 7/8/2020.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Chicago CD rates, Cedar Rapids CD rates, Champaign CD rates, Des Moines CD rates, Davenport CD rates, 1-year CD rates, nationwide deals

Vibrant Credit Union Offers Top-Rate Money Market Account
Deal Summary: Purple Money Market, 2.50% APY ($100k+), 0.65% APY (less than $100k), no minimum opening deposit, new money.

Availability: Nationwide (easy membership requirement)

Illinois-based Vibrant Credit Union (Vibrant CU) has a new money market account: the Purple Money Market, which currently earns 2.50% APY on balances of $100k and above. Balances of less than $100k earn a substantially lower 0.65% APY. There is no minimum opening deposit requirement, but the initial deposit must be new money.

In an email exchange with Vibrant CU’s Chief...

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Vibrant Credit Union (IL/IA) To Add High Interest Checking In April

Deal Summary: High Interest Checking, 2.25% APY up to $15k, available on April 1, 2017.

Availability: Residents of Quad City area (Iowa/Illinois).

On April 1, Vibrant Credit Union (Vibrant CU) will be debuting five new checking accounts, including its High Interest Checking account, which earns 2.25% APY on qualifying balances up to $15k. Qualifying balances above $15k earn 0.01% APY, with non-qualifying balances not earning any interest.

Qualifying Requirements

  • Direct Deposit of at least $500
  • At least 12 signature debit card transactions
  • Receive eStatements.

The High Interest Checking account has...

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DHCU Community (IA/IL) Has New Competitive 33-month CD Special
Availability: Residents of Quad City area (Iowa/Illinois)

In mid-March, DHCU Community Credit Union (DHCU) introduced a new 33-month CD (2.00% APY). This CD has no minimum deposit or maximum balance cap.

DHCU also offers a 5-Year Add-On CD (2.02% APY); the 2.02% APY has remained constant for over a year. The minimum deposit is $1K, but anyone under the age of 24 can open the 5-Year Add-On CD with a $500 deposit.

DHCU describes the Add-On feature this way:

According to CSR (who enthusiastically...

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Top Mid-Term CD Rates at DHCU Community Credit Union in Parts of Iowa & Illinois - Local Only

DHCU Community Credit Union is listing some competitive mid-term CD rates. The two best are a 2.38% APY 3-year CD and a 2.12% APY 30-month CD. These require a relationship amount of $100K. A relationship amount is defined as the total deposits held (excluding checking account balances) within a household address. Rates are a little lower for smaller amounts. For $10K the rates are 2.02% APY for 30 months and 2.27% APY for 3 years. An extra 0.20% can be added to these CD rates with an active checking and...

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