Vibrant Credit Union Rates and Review March 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.
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Vibrant Credit Union's 6-Month CD Special rates are at 4.15%, 13-Month CD Special rates are at 4.00%, 48-Month CD rates are at 3.65%, 23-Month CD Special rates are at 3.50%, 30-Month CD rates are at 3.50%. Vibrant Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Vibrant Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.61%. Rates were last updated on 03/05/2026.
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 by leaving a review below, or read customer reviews before you decide to use . Vibrant Credit Union Texas RatioVibrant Credit Union's Texas Ratio is at 15.61%, which is considered good. The Texas Ratio for Vibrant Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while Vibrant Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses. MonitorBankRates Rating
4.9
Exceptional
Out of 5.0 Stars
Vibrant Credit Union has earned a Smart Rating of 4.9 out of 5 stars. 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. Overall, Vibrant Credit Union is an excellent credit union worth considering, with an overall rating of 4.9 stars out of 5 stars. Overall Health & Safety Grade
A-
Very Good Health
Score: 92/100
Vibrant Credit Union has earned an overall safety grade of A-. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026
Vibrant Credit Union
Headquarters 6600 44th Ave
Moline, IL 61265 8137 
Vibrant Credit Union CD Rates
Vibrant Credit Union Savings Rates
Vibrant Credit Union Checking Rates
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 & OverviewCredit Union Name: Vibrant Credit Union
Website: https://www.vibrantcreditunion.org
Full Time Employees: 145Part Time Employees: 1 President: Nick Kremer CEO: Matthew McCombs Branch Locations: 4 ATM Locations: 13 Corporate Office Address:
6600 44th Ave
Moline, IL 61265 8137 Phone Number: 800-323-5109 Fax Number: FinancialsMonitorBankRates Star Rating:
4.9 / 5.0 ★
Overall Health & Safety Grade:
A- (92/100)
Texas Ratio:
15.61%
Return on Assets (ROA):
0.4845%
Return on Equity (ROE):
6.0193%
Non-Performing Loans Ratio (NPL):
1.62%
Total Assets:
1,151,880,248
Total Amount of Shares and Deposits:
906,980,700
Total Shares and Deposits < 1 Year:
803,418,148
Total Shares and Deposits 1 3 Years:
85,259,538
Total Shares and Deposits > 3 Years:
18,303,014
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
57,858,180
Total Uninsured Shares and Deposits > $250K (F+J):
57,858,180
Total Insured Shares and Deposits > $250K (item 17 less item K):
849,122,520
Total Interest Expense (Sum of items 6 8):
25,896,515
Share Certificates:
7,271
Number of Accounts for Share Drafts:
29,329
IRA KEOGH Accounts:
728
Number of Accounts for Regular Shares:
58,364
All other shares:
358
Non Member Deposits:
50
Money Market Shares:
1,502
Net Income (unless the amount is already included in Undivided Earnings):
5,580,711
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
30,359,862
Total Liabilities:
1,081,901,475
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About Vibrant Credit UnionIs a member application needed to join Vibrant Credit Union?Yes, to access services at Vibrant Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Vibrant Credit Union provides a range of mortgage and home equity products. Is Vibrant Credit Union a safe place to deposit money?Yes, Vibrant Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Vibrant Credit Union offer online and mobile banking?Most modern institutions like Vibrant Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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