Simplified banking
for your growing business.
Spend less time managing accounts and more time growing your business. Enjoy hassle-free solutions tailored to your small business needs, allowing you to bank smarter, faster, and easier. It’s banking designed with your busy schedule and your peace of mind at heart. Stress-free looks good on you!
Checking
Savings
Think your bank can beat our rates?
Checking
3.00%
APY*
Savings
3.50%
APY*
*APY = "Annual Percentage Yield." APYs accurate as of April 1, 2025. Rates are shown for Community Checking and Community Savings programs. Community Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Balances less than $50,000 earn 3.00% APY. Balance greater than $49,999.99 earn between 1.00%-3.00% APY. $5 Membership Share account required. See our current rates for more details. Rates subject to change without notice. Federally insured by NCUA.
Focus on your business
and we'll take care of the rest.
Get industry-leading interest rates
No hidden fees or transaction limits
24/7 mobile account management
Experienced support team
Supporting communities everywhere
“Working with Vibrant Credit Union has always been easy and rewarding.”
Pam Lynch, GiGi’s Playhouse Site Director
Supporting communities everywhere
“It’s reassuring to know that there are real, local people ready to help whenever we need it.”
Kathryn Kunkel, QC Strikers Club President
Still don’t believe us? Here’s how those numbers could stack up for you.
$25,000
savings account size
x
3.50%
APY*
=
$875
earnings per year
*APY (Annual Percentage Yield) reflected for the Community Savings is accurate as of April 1, 2025 and may change at any time without notice. The example provided is for illustrative purposes only for what an account could earn after a year which assumes no withdrawals or additional deposits. Actual earnings may vary based on account balance, interest rate changes, and other factors. Please consult with your financial advisor or bank representative for more information.
Here's what you get
when you bank with Vibrant.
-
Earn interest with market-leading rates
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Free online banking with mobile depositing
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ACH payments enabled (bills & payroll)
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Includes debit card
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Write unlimited checks
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Dividends paid monthly
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Federally insured by NCUA
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No monthly service fees
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No transfer/withdrawal limits
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No minimum balance requirements
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No direct deposit requirements
-
No check clearing limits or transaction limits
Access to nationally-ranked CD rates
Flexible credit card options
Online banking tools and resources
Relevant resources
we've found for you.
Forget Google—we've dug through the internet ourselves to find resources that can be helpful to new and experienced small business owners.
Any small business that is legally formed and operates in the United States can open an account. You’ll need to provide your legal business name, legal address, business tax ID number, and the date your business was established.
All of your account representatives—that is, the people who are authorized to conduct transactions—must be at least 18 years old and reside in the U.S., either as citizens or permanent resident aliens.
You can apply for an Employer Identification Number through the IRS—even if you don't have employees. When you apply online, you can receive your EIN immediately after completing the application. Get an EIN »
That depends on the structure of your organization—whether you’re a sole proprietor, a partnership, or a corporation. You’ll need to provide documentation that confirms your ownership structure, such as articles of incorporation or ownership agreements. You’ll also need to provide information on all beneficial owners (that’s anyone who owns at least 25% of the business).
Each of your account representatives will also need to provide a copy of their government-issued ID. Don’t worry—these can be submitted as digital photos.
Vibrant specializes in working with small businesses. Talk with one of our community relationship managers about your banking needs, and we'll help you find the BEST account for you.
To join Vibrant, all organizations must open a Business Membership Savings Account with a $5 deposit. Our checking and savings accounts have no minimum opening balance. For detailed information on our business rates and service charges, please refer to our Business Rates - Service Charges - Vibrant CU - 10-17-2024.