Credit union · NCUA insured
Vibrant Credit Union
Top CarrotA $1.2B credit union, the 418th largest of 4,329, headquartered in Moline, IL, with 66,307 members and 3 branches in 2 states. Best rates: CDs 4.25% and savings 3.38% APY.
Vibrant Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 28 in Davenport, IA-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vibrant Credit Union
Vibrant Credit Union is a 90-year-old financial institution providing checking, savings, certificates of deposit, and lending services.
- Headquarters
- 6600 44th Ave, Moline, IL 61265-8137
- NCUA charter
- 61093
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by becoming a Friend of Vibrant's Be The Good Foundation, for which Vibrant makes a $5 donation on the applicant's behalf.
- Members of the Illinois Consumer Council (ILCC) are automatically qualified for membership.
Where you live or work
- Individuals who live in or work for a business in eligible Illinois counties qualify for membership.
- Individuals who live in or work for a business in Fountain, Vermillion, or Warren County in Indiana qualify for membership.
- Individuals who live in or work for a business in eligible Iowa counties qualify for membership.
- Individuals who live in or work for a business in Grant, Green, or Lafayette County in Wisconsin automatically qualify for membership.
1 more way to join
Employers and groups
- Members of eligible partner associations qualify for membership.
Cost to join
- A $5 Membership Share account is required for membership.
Branches
3 branches in 2 states
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Illinois
2 branches
- Headquarters - Branch6600 44th Ave, Moline, IL 61265Directions
- Southpark4400 16th St, Moline, IL 61265Directions
Iowa
1 branch
- Bettendorf3230 Ridge Pt, Bettendorf, IA 52722Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.04% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.59% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.23% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalNet worth ratio8.04%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.59%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Vibrant Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.