Reserve solutions built for faith-based organizations.
You carry a growing responsibility to steward the resources entrusted to your organization. Vibrant’s reserve and liquidity solutions are built for you—churches, Christian schools, ministries, and other faith-based organizations—so you can manage your finances with clarity and confidence.
Your funds stay fully insured, easily accessible, and earning competitive returns, while no-fee lines of credit give you flexible access to capital for facility needs, seasonal cash-flow gaps, or unexpected expenses. Together, these tools strengthen your organization’s financial stability—without adding complexity—so you can stay focused on the mission that matters most.
Fully Insured Funds
Get up to $15 million in extended federal deposit insurance* at no cost.
No Hidden Fees or Requirements
Open an account in minutes with no opening or maintenance fees—ever.
Industry-Leading Rates
Earn more interest with our nationally recognized money market rates.
Partners in Stewardship
Work with a credit union that invests in your values and helps your mission thrive.
Insure your reserve funds—all in one, easy-to-manage account.
With Vibrant, you don’t have to manage multiple banks or juggle deposits—everything rolls up into a single, consolidated view.
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One Bank Statement: Funds are swept across partner credit unions, giving you coverage beyond typical deposit insurance limits.
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A Trusted Partner: Vibrant is safe, stable, and member-driven, with a long history of supporting faith-based organizations and community institutions.
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Dedicated Service: Our relationship managers understand the unique needs of faith-based organizations—from building reserve planning to seasonal cash flow cycles.
Here's how Vibrant can help with your unique needs.
Challenge
Solution
Large reserves over $250,000 may exceed standard insurance limits—leaving some funds uncovered.
Emergency repairs or other expenses require fast access to your funds.
Unexpected building repairs or urgent expenses require more capital than you have.
Transparency is needed for seasonal cash flow and fluctuating donations, tuition, or offerings.
High-yield accounts can be risky, restrictive, or come with hidden fees, putting your reserves at risk or limiting access.
You want a financial partner who shares your values and supports your mission.
Our high-yield reserve account* is fully insured and backed by the full faith of the U.S. Government through NCUA coverage, keeping your funds secure and accessible.
Our insured money market account is fully liquid, giving you same-day access to funds (prior to cutoff time) without compromising safety.
We offer quick, easy eligibility for lines of credit tailored to your organization with no personal guarantees, draw fees, non-usage fees, or origination fees.
With 24/7 account visibility and access, you're always prepared. If bundled with a line of credit, you can draw instantly for immediate funding.
With no hidden fees and full access to your funds, you can earn competitive interest rates to grow your reserves with no risks involved.
Vibrant is a faith-aligned partner, investing in your mission and the community through our Be the Good Foundation.
"I've had a great experience with Vibrant. The representative I work with is most helpful and goes above and beyond to make sure all details of my account are clear and accessible."
Regena C — Vibrant Member
“In our mind...we have to have government backed accounts that ensure safety, so the FDIC/NCUA insurance is vital for us & it always has been.”
Paul S — President, KWBTS
“Vibrant combines deep knowledge with a friendly, no-rush approach that immediately puts you at ease... I’ve rarely seen this level of thoughtful and proactive service.”
Dmitry F — Vibrant Member
"We invest back into communities and help organizations like yours thrive. By partnering with us, you’re choosing a financial institution that cares about purpose — not just profit."
Nick Tarpein — Chief Financial Officer, Vibrant Credit Union
Let's partner together to do more good.
When you bank with Vibrant, you’re joining a credit union that actively supports local communities and ministries through our Be the Good Foundation. Together, we fund programs that help families, neighbors, and organizations in need—so your mission aligns with a partner who shares your values.
Just ask the experts—Vibrant has some of the best rates.
You don’t have to take our word for it! Our deposit products are nationally recognized for our market-leading rates. That’s why Buy Side from the Wall Street Journal named us Best for Deposit Rates in the 2025 Best in Finance Awards.
Frequently asked questions
Typically yes — Vibrant serves churches, ministries, and faith-based nonprofits. Eligibility depends on institution type and account setup; schedule a short review to confirm.
Our insured money market accounts offer competitive returns while maintaining full liquidity and up to $15 million in NCUA-backed coverage. This ensures your board is acting in the best financial interest of the organization—protecting funds, earning interest, and staying compliant with state laws.
Vibrant offers up to $15 million in NCUA-backed coverage at no cost to your association. This extended insurance helps protect your reserves without the need for multiple banking relationships.
As a nationally recognized rate leader, you can always count on competitive returns. Our insured money market accounts deliver strong earnings potential with no added cost to you. Plus, we encourage you to ask about relationship-based pricing, cash incentives, and the added value of bundling with a line of credit—all designed to help you maximize your earnings and financial flexibility.
No, there’s no minimum deposit or balance requirement. While NCUA/FDIC insurance typically covers up to $250,000, our insured money market account* provides coverage for balances up to $15 million. Many members choose this account when their deposits exceed the standard insurance limit.
Yes, you’ll have full access and control over your funds. Liquidity is available either the same day or by the next business day. You can manage deposits and withdrawals through our secure online portal 24/7, and your Relationship Manager is also available to assist with any transaction requests.
We combine executive leadership experience, personalized service, and industry-leading rates with a deep understanding of faith-based organization responsibilities. Our streamlined account opening and support materials make compliance simple and stress-free.
Effective reserve planning ensures your community is financially prepared for future repairs and replacements. It protects property values, minimizes special assessments, and helps boards meet their obligations.
Yes. Vibrant offers flexible Line of Credit options designed to support associations during unexpected expenses or while building up reserves. These solutions help boards meet immediate obligations without compromising long-term financial health.
*Insurance provided through program credit union (subject to certain conditions). Federal deposit insurance refers to insurance through NCUA. $5 Membership Share account required.
Funds participating in the Vibrant Credit Union Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Vibrant Credit Union immediately if you do not want to allocate funds to a particular credit union or credit unions.