Rates
Which rates are you checking?
These rates are effective as of January 9, 2025. Unless otherwise noted, rates are subject to change without notice. APY = "Annual Percentage Yield." Interest rates on lending products will be based on credit criteria.
Looking for rates on personal accounts? We've got you covered.
Ready to make your money work harder? Open a checking account.
*APY = "Annual Percentage Yield." APYs accurate as of December 4, 2024. Association Savings is available only to business members that operate nonprofit or not-for-profit organizations. $5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA.
Average Daily Balance | APY* |
|---|---|
$0 - $24,999 | 1.00% |
$25,000+ | 2.00% |
Association Savings
Community Savings
Average daily balance | APR as low as |
|---|---|
$0 and up | 3.50% |
*APY = "Annual Percentage Yield." APYs accurate as of January 30, 2025.
$5 Membership Share account required. Federally insured by NCUA.
It's high-yield savings, exclusively for small businesses and community organizations. Open a Community Savings account.
Certificates of Deposit (CDs)
Term | APY* |
|---|---|
6 Month CD Special (2) | 4.50% |
13 Month*** | 4.50% |
23 Month (1) | 4.00% |
*APY = "Annual Percentage Yield." APYs accurate as of January 30, 2025.
***13-month certificates will automatically renew into a 12-month term at maturity.
1. 23-month CD will automatically renew into a 24-month term at maturity.
2. The 6-Month Certificate Special has a base APY of 4.50%, with a 0.10% APY increase if the member has a Preferred Savings account with a balance of at least $10,000 or a 0.25% APY increase if the member has an Elite Savings account with a balance of at least $100,000. Members can only qualify for one rate increase option. The 6-Month Certificate Special can only be opened with new money that has not been on deposit at Vibrant Credit Union for more than seven (7) days. If funds are moved from Vibrant Credit Union to another financial institution, funds cannot be redeposited as New Money for at least 60 days. Maximum deposit per 6-Month Certificate is $250,000. Limit of two (2) 6-Month Certificates per member. The 6-Month Certificate will auto-renew into a 6-month certificate at the rate available at the time of maturity.
$5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.
Lock in a great return on your savings with a CD.
Community Checking
Average Daily Balance | APY* |
|---|---|
$50,000+ | 1.00% |
$0 – $49,999.99 | 3.00% |
*APY = "Annual Percentage Yield." APYs accurate as of January 30, 2025.
Community Checking is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account. $5 Membership Share account required. Federally insured by NCUA.
Make money on your everyday spending. Open a Community Checking account.
Business Money Market Rates
Average Daily Balance | APY* |
|---|---|
$100 - $9,999 | 0.01% |
$10,000 - $24,999 | 0.01% |
$25,000 - $99,999 | 0.01% |
$100,000 - $199,999 | 0.01% |
$200,000 - $499,999 | 0.01% |
$500,000 + | 1.00% |
*APY = "Annual Percentage Yield." APYs accurate as of January 30, 2025.
$5 Membership Share account required. Rates subject to change without notice. Federally insured by NCUA. The Business Money Market Account is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
Searching for flexibility and earnings on your balance? Open a Business Money Market account.
Business Checking
Average Daily Balance | APY* |
|---|
*APY = "Annual Percentage Yield." APYs accurate as of January 30, 2025.
Business Checking is a tiered account; if the balance falls within the range for a particular tier, the dividend rate applicate to that tier will apply to the full balance. $5 Membership Share account required. Any fees could reduce potential earnings. Rates subject to change without notice. Federally insured by NCUA.