Credit union · NCUA insured
Vibrant Credit Union CD Rates
Top CarrotVibrant Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Vibrant Credit Union’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where Vibrant Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vibrant Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- $5
- Earns on $10,000
- $210
Certificate of Deposit (CD)
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
Vibrant Credit Union CD score
91
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vibrant Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.25%APY · 6 terms
All certificates require a $5 minimum opening balance and a $5 Membership Share account. A penalty may be imposed for early withdrawal. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Early withdrawal penalty may apply | 4.25% | $210 |
| 13 months13-Month CD Special will auto-renew into a 12-month certificate when the certificate matures. $5 Membership Share account required. Early withdrawal penalty may apply | 4.15% | $450 |
| 23 months23-Month CD Special will auto-renew into a 24-month certificate when the certificate matures. $5 Membership Share account required. Early withdrawal penalty may apply | 3.80% | $741 |
| 30 months$5 Membership Share account required. Early withdrawal penalty may apply | 3.50% | $898 |
| 40 months40-Month Bump-up CD Special: members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate one time during the term (promotional rates in special offers excluded). Earns the higher rate for the remainder of the term. Auto-renews into a 36-month certificate upon maturity. $5 Membership Share account required. Early withdrawal penalty may apply | 3.35% | $1,161 |
| 48 months$5 Membership Share account required. Early withdrawal penalty may apply | 3.65% | $1,542 |
Sources (3)
All captured Sep 17, 2026
Who can join Vibrant Credit Union
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.
Membership information collected October 5, 2026.