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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Vibrant Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 31, 2026
Vibrant Credit Union's 48-Month CD rates are at 3.65%, 30-Month CD rates are at 3.50%, 6-Month CD Special rates are at 4.25%, 13-Month CD Special rates are at 4.15%, 23-Month CD Special rates are at 3.80%. Vibrant Credit Union's savings rates are at 4.40%. Vibrant Credit Union's money market rates are at 3.38%. Vibrant Credit Union's checking rates are as high as 3.75%. Vibrant Credit Union's CD rates are 38% higher than the MonitorBankRates national average, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Vibrant Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.44%. Rates last updated and verified on 10/31/2026. Vibrant Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vibrant Credit Union? Share your experience about Vibrant Credit Union by leaving a review below, or read customer reviews before you decide to use Vibrant Credit Union. Vibrant Credit Union
Headquarters 6600 44th Ave
https://www.vibrantcreditunion.org Moline, IL 61265-8137  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Vibrant Credit Union CD Rates
Vibrant Credit Union Savings Rates
Vibrant Credit Union Business Savings Rates
Vibrant Credit Union Money Market Rates
Vibrant Credit Union Business Money Market Rates
Vibrant Credit Union Checking Rates
Vibrant Credit Union Business Checking Rates
Vibrant Credit Union Other Rates
Financial Health HistoryVibrant Credit Union’s Texas Ratio rose from 2.40% in Q3 2023 to 14.44% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vibrant Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vibrant Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vibrant Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vibrant Credit Union
Address
6600 44th Ave,
Moline, IL 61265-8137
Phone
800-323-5109
Fax
President
Nick Kremer
CEO
Matthew McCombs
Full-Time Employees
140
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.44%
Return on Assets (ROA)
0.1160%
Return on Equity (ROE)
1.4441%
Non-Performing Loans Ratio (NPL)
1.59%
Total Assets
1,193,064,232
Total Amount of Shares and Deposits
958,598,278
Total Shares and Deposits < 1 Year
863,746,843
Total Shares and Deposits 1 3 Years
91,706,147
Total Shares and Deposits > 3 Years
3,145,289
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
70,724,368
Total Uninsured Shares and Deposits > $250K (F+J)
70,724,368
Total Insured Shares and Deposits > $250K (item 17 less item K)
887,873,910
Total Interest Expense (Sum of items 6 8)
16,440,600
Share Certificates
6,759
Number of Accounts for Share Drafts
28,505
IRA KEOGH Accounts
704
Number of Accounts for Regular Shares
64,839
All other shares
340
Non Member Deposits
50
Money Market Shares
1,279
Net Income (unless the amount is already included in Undivided Earnings)
1,384,541
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,727,683
Total Liabilities
1,120,784,853
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Vibrant Credit Union
Frequently Asked Questions About Vibrant Credit UnionDoes Vibrant Credit Union offer CDs?Yes. Vibrant Credit Union current CD rates include its 6-Month CD Special at 4.25% APY, its 13-Month CD Special at 4.15% APY and its 23-Month CD Special at 3.80% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Vibrant Credit Union NCUA insured?Yes. Vibrant Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Vibrant Credit Union?The highest Vibrant Credit Union CD rate is its 6-Month CD Special at 4.25% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Vibrant Credit Union offer?Vibrant Credit Union CD rates are 4.25% APY for a 6 month CD, 4.15% APY for a 12 month CD, 4.15% APY for a 13 month CD, 3.80% APY for a 23 month CD, 3.80% APY for a 2 year CD, 3.50% APY for a 30 month CD and 3.65% APY for a 4 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Vibrant Credit Union for its full lineup. What is the highest savings rate at Vibrant Credit Union?The highest Vibrant Credit Union savings rate is its Digital Advantage Savings at 4.40% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest money market rate at Vibrant Credit Union?The highest Vibrant Credit Union money market rate is its Insured Money Market at 3.38% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest checking rate at Vibrant Credit Union?The highest Vibrant Credit Union checking rate is its Premier Checking at 3.75% APY, verified by MonitorBankRates as of October 31, 2026. How many branches does Vibrant Credit Union operate?Vibrant Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Vibrant Credit Union?Yes, to access services at Vibrant Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Vibrant Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Vibrant Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vibrant Credit Union offer online and mobile banking?Most modern institutions like Vibrant Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vibrantcreditunion.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Vibrant Credit Union rates compare?Vibrant Credit Union's CD rates are 38% higher than the MonitorBankRates national average, and it has an A- health rating. Vibrant Credit Union's top rates are its 6-Month CD Special at 4.25% APY, its Digital Advantage Savings at 4.40% APY, its Insured Money Market at 3.38% APY and its Premier Checking at 3.75% APY, verified by MonitorBankRates on October 31, 2026. Current Vibrant Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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