Credit union · NCUA insured
Vibrant Credit Union Savings Rates
Top CarrotVibrant Credit Union’s best savings rate is 3.38% APY on $10,000, with its Insured Money Market. Rates checked October 16, 2026.
How Vibrant Credit Union’s savings 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
3.38%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $338
Insured Money Market
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
3rd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Vibrant Credit Union savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0003.50%
- QualifiedQualified4.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Elite Savings
0.50%APY
Tiered account: if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier apply to the entire balance in the account. Requires $5 Membership Share account. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.50% | — |
| $100 – $9,999 | 0.50% | — |
| $10,000 – $14,999 | 0.50% | $50 |
| $15,000 – $24,999 | 0.50% | — |
| $25,000 – $99,999 | 0.50% | — |
| $100,000 – $249,999 | 3.50% | — |
| $250,000 – $999,999 | 3.75% | — |
| $1,000,000 and up | 4.25% | — |
Sources (1)
- vibrantcreditunion.org/core-deposits · captured Oct 16, 2026
Preferred Savings
4.00%APY on $10,000
Tiered account: specified Dividend Rate applies only to the portion of the account balance within that tier. Limit of one account per member. Requires $5 Membership Share account. No monthly fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $14,999 | 4.00% |
| $15,000 and up | 0.75% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Insured Money Market
3.38%APY
Rate tied to daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. Extended NCUA insurance coverage up to $15 million provided through partner credit unions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000,000The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required.Up to $15,000,000 | 3.38% | $338 | The rate is tied to the daily Effective Federal Funds Rate in effect at account opening less .50%. $5 Membership Share account required. |
Sources (1)
- vibrantcreditunion.org/extended-share-insurance · captured Sep 25, 2026
Premier Savings
0.10%APY
Tiered account: if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier apply to the entire balance in the account. Requires $5 Membership Share account. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.10% | — |
| $100 – $9,999 | 0.10% | — |
| $10,000 – $14,999 | 0.10% | $10 |
| $15,000 – $24,999 | 0.10% | — |
| $25,000 – $99,999 | 3.00% | — |
| $100,000 – $249,999 | 3.00% | — |
| $250,000 – $999,999 | 3.00% | — |
| $1,000,000 and up | 3.00% | — |
Sources (1)
- vibrantcreditunion.org/core-deposits · captured Sep 17, 2026
Digital Advantage Savings
2.21%APY on $10,000
Available to new members only and must be opened online. Tiered account: specified dividend rate applies only to the portion of balance within each tier. Limit of one account per member. Requires $5 Membership Share account. No monthly maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,001 | 4.40% |
| $5,002 and up | 0.01% |
On $10,000 the tiers blend to about 2.21% APY, earning $221 a year.
Sources (1)
- vibrantcreditunion.org/digital-advantage-savings · captured Oct 16, 2026
Everyday Savings
1.00%APY
Everyday Savings is a tiered account; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier apply to the entire balance in the account. Requires $5 Membership Share account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.10% | — |
| $100 – $9,999 | 0.10% | — |
| $10,000 – $14,999 | 1.00% | $100 |
| $15,000 – $24,999 | 1.00% | — |
| $25,000 – $99,999 | 1.00% | — |
| $100,000 – $249,999 | 1.00% | — |
| $250,000 – $999,999 | 1.00% | — |
| $1,000,000 and up | 1.00% | — |
Sources (1)
- vibrantcreditunion.org/core-deposits · captured Oct 16, 2026
Membership Savings
0.01%APY
Requires $5 Membership Share account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $9,999 | 0.01% | — |
| $10,000 – $14,999 | 0.01% | $1 |
| $15,000 – $24,999 | 0.01% | — |
| $25,000 – $99,999 | 0.01% | — |
| $100,000 – $249,999 | 0.01% | — |
| $250,000 – $999,999 | 0.01% | — |
| $1,000,000 and up | 0.01% | — |
Sources (3)
- vibrantcreditunion.org
- vibrantcreditunion.org/core-deposits
- vibrantcreditunion.org/digital-advantage-savings
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.01%APY
IRA accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier apply to the entire balance in the account. Requires $5 Membership Share account. Any fees could reduce potential earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $24,999 | 0.01% | $1 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 – $99,999 | 0.30% | — |
| $100,000 and up | 0.35% | — |
Health Savings Account (HSA)
0.01%APY
HSA accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier apply to the entire balance in the account. Requires $5 Membership Share account. Any fees could reduce potential earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 and up | 0.01% | $1 |
Sources (1)
- vibrantcreditunion.org/rates · captured Oct 16, 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.