What are the current interest rates at Vibrant Credit Union?

Current rates for Vibrant Credit Union include: 12-Month CD: 4.15%, 24-Month CD: 3.80%, Savings: 0.01%

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Vibrant Credit Union

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Vibrant Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Vibrant Credit Union's 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%, 48-Month CD rates are at 3.65%, 30-Month CD rates are at 3.50%. Vibrant Credit Union's savings rates are at 0.01%. 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 13.71%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.71%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Vibrant Credit Union
Headquarters

6600 44th Ave
Moline, IL 61265-8137

https://www.vibrantcreditunion.org

Vibrant Credit Union CD Rates

Product	Rate	APY
6-Month CD Special	-	4.25%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
13-Month CD Special	-	4.15%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
23-Month CD Special	-	3.80%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48-Month CD	-	3.65%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
30-Month CD	-	3.50%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
40-Month Bump-Up CD Special	-	3.35%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

Vibrant Credit Union Savings Rates

Product	Rate	APY
Digital Advantage Savings	-	4.40%
Min Balance $0 Details Balance: $0 - $5,001 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	4.25%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	4.00%
Min Balance $5,002 Details Balance: $5,002 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	3.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	3.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Savings	-	3.25%
Min Balance $100 Details APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Savings	-	3.25%
Min Balance $0 Details APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	3.00%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	3.00%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Everyday Savings	-	1.00%
Min Balance $10,000 Details Balance: $10,000 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.75%
Min Balance $1,000,000 Details Published APY range: 0.75% - 4.00%. Balance: $1,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.75%
Min Balance $250,000 Details Published APY range: 0.75% - 4.00%. Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.75%
Min Balance $100,000 Details Published APY range: 0.75% - 4.00%. Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.75%
Min Balance $25,000 Details Published APY range: 0.75% - 4.00%. Balance: $25,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.75%
Min Balance $15,000 Details Published APY range: 0.75% - 4.00%. Balance: $15,000 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	0.50%
Min Balance $15,000 Details Balance: $15,000 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	0.50%
Min Balance $5,002 Details Balance: $5,002 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Elite Savings	-	0.50%
Min Balance $0 Details Balance: $0 - $5,001 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	0.50%
Min Balance $5,002 Details Balance: $5,002 - $14,999; APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	0.50%
Min Balance $0 Details Balance: $0 - $5,001; APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Everyday Savings	-	0.10%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Everyday Savings	-	0.10%
Min Balance $0 Details Balance: $0 - $99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Preferred Savings	-	0.10%
Min Balance $0 Details Balance: $0 - $5,001 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	0.10%
Min Balance $15,000 Details Balance: $15,000 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	0.10%
Min Balance $5,002 Details Balance: $5,002 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Savings	-	0.10%
Min Balance $0 Details Balance: $0 - $5,001 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $1,000,000 Details Published APY range: 0.01% - 4.40%. Balance: $1,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $250,000 Details Published APY range: 0.01% - 4.40%. Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $100,000 Details Published APY range: 0.01% - 4.40%. Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $25,000 Details Published APY range: 0.01% - 4.40%. Balance: $25,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $15,000 Details Published APY range: 0.01% - 4.40%. Balance: $15,000 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Digital Advantage Savings	-	0.01%
Min Balance $5,002 Details Published APY range: 0.01% - 4.40%. Balance: $5,002 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Membership Savings	-	0.01%
Min Balance $10,000 Details Balance: $10,000 - $14,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Membership Savings	-	0.01%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Standard Business Savings	-	0.01%
Min Balance $100 Details APY* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

Vibrant Credit Union Checking Rates

Product	Rate	APY
Premier Checking	-	3.75%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Checking	-	3.75%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Checking	-	3.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Checking	-	3.00%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Premier Checking	-	1.25%
Min Balance $25,000 Details Published APY range: 1.25% - 3.75%. Balance: $25,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Checking	-	1.00%
Min Balance $100,000 Details Published APY range: 1.00% - 3.00%. Balance: $100,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Community Business Checking	-	1.00%
Min Balance $50,000 Details Published APY range: 1.00% - 3.00%. Balance: $50,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Standard Business Checking	-	0.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Standard Business Checking	-	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Standard Business Checking	-	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Vibrant Credit Union’s Texas Ratio rose from 1.56% in Q2 2023 to 13.71% in Q1 2026, so its financial health has weakened 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.2B	13.71%	5.0	A
December 31, 2025	$1.2B	15.19%	5.0	A-
September 30, 2025	$1.2B	14.65%	5.0	A-
June 30, 2025	$1.1B	19.95%	4.6	B
March 31, 2025	$1.1B	18.29%	4.7	B+
December 31, 2024	$1.1B	26.38%	4.1	C+
September 30, 2024	$1.1B	24.52%	4.2	C+
June 30, 2024	$1.0B	14.43%	5.0	A-
March 31, 2024	$1.1B	13.38%	5.0	A
December 31, 2023	$1.1B	12.95%	5.0	A
September 30, 2023	$1.0B	2.40%	5.0	A+
June 30, 2023	$992M	1.56%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Website https://www.vibrantcreditunion.org

Address 6600 44th Ave, Moline, IL 61265-8137

Phone 800-323-5109

Fax

President Nick Kremer

CEO Matthew McCombs

Full-Time Employees 137

Part-Time Employees 2

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.71%

Return on Assets (ROA)

0.0060%

Return on Equity (ROE)

0.0743%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

1,171,673,212

Total Amount of Shares and Deposits

960,150,891

Total Shares and Deposits < 1 Year

882,653,366

Total Shares and Deposits 1 3 Years

65,492,702

Total Shares and Deposits > 3 Years

12,004,822

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

63,376,865

Total Uninsured Shares and Deposits > $250K (F+J)

63,376,865

Total Insured Shares and Deposits > $250K (item 17 less item K)

896,774,026

Total Interest Expense (Sum of items 6 8)

8,365,019

Share Certificates

6,979

Number of Accounts for Share Drafts

28,791

IRA KEOGH Accounts

710

Number of Accounts for Regular Shares

62,480

All other shares

345

Non Member Deposits

Money Market Shares

1,349

Net Income (unless the amount is already included in Undivided Earnings)

70,295

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)

31,573,077

Total Liabilities

1,100,506,700

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Vibrant Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Vibrant Credit Union

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.