Take a break from your bills. Learn more about Skip-a-Pay Log in Menu Rates Which rates are you checking? These rates are effective as of November 22, 2021, unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional Loan Rates. Mortgage Home equity loans Car & motorcycle loans RV/boat/other vehicle loans Credit card and unsecured loans Checking Savings HSA Certificates IRA Business checking Business money market Mortgage Rates Visit our mortgage center for other information on home loans. Term Rate as low as APR as low as Monthly payment per $10,000 borrowed Adjustable-Rate 5 yr ARM 2.500% 2.532% $39.51 7 yr ARM 2.750% 2.783% $40.82 Fixed-Rate Purchase 30 yr 3.125% 3.158% $42.84 20 yr 2.875% 2.921% $54.84 15 yr 2.500% 2.560% $66.68 10 yr 2.375% 2.462% $93.70 Fixed-Rate Refinance 30 yr 3.125% 3.158% $42.84 20 yr 2.875% 2.921% $54.84 15 yr 2.500% 2.560% $66.68 10 yr 2.375% 2.462% $93.70 Rates quoted are effective as of November 15, 2021, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee. Ready to take the first step? Apply for a home loan Back to top Home Equity Loan Rates Term/Financing APR as low as Monthly payment per $10,000 borrowed Fixed Rate 5 yr term up to 80% LTV 3.490% $181.87 10 yr term up to 80% LTV 3.990% $101.20 All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. Rates quoted based on 730 credit score, LTV 80%, owner occupied property. APR may vary with credit score and loan to value ratio. Property, home, and flood insurance may be required. Ready to get started? Apply for a home equity loan Back to top Home Equity Line of Credit (HELOC) Rates Term/Financing APR as low as Monthly payment per $10,000 borrowed* Fixed Rate HELOC 80% Financing 2.750% $100.00 *Per $10,000 borrowed payment based on 1% of the loan balance. All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. Rates quoted based on 730 credit score, LTV 80%, owner occupied property. APR may vary with credit score and loan to value ratio. HELOC can go up to 100% CLTV but terms may vary. Property, home, and flood insurance may be required. Want to open up funds for your next big purchase? Apply for a HELOC Back to top Car & Motorcycle Loan Rates Year and Term APR as low as* 2019 and newer 73-84 months 2.84% 61-72 months 2.49% Up to 60 months 2.25% 2015-2018 61-72 Months 2.99% Up to 60 months 2.75% 2010-2014 Up to 48 months 4.99% 2009 and older Up to 36 months 6.00% Conventional loan rates. Interest rates determined by individual credit score, term of the loan and year of collateral. $5 Membership required for all consumer loans. Monthly payment of $14.99 for every $1,000 borrowed for fixed auto/motorcycle loan based on 72 - month loan term. Looking for flexible terms and low rates? Apply for an auto loan Back to top RV/Boat/Other Vehicle Loan Rates Year APR as low as* 2019 and Newer 4.50% 2015-2018 5.50% 2014 and older 6.00% Conventional loan rates. Interest rates determined by individual credit score, term of the loan, and year of the collateral. $5 membership required for all consumer loans. Monthly payment of $22.80 for every $1,000 borrowed based on a 48-month loan term Enjoy life on the road or the water! Apply for a vehicle loan Back to top Credit Card and Unsecured Loan Rates Type APR as low as Vibrant Credit Rewards Mastercard 18.00% Vibrant Credit Mastercard 9.90% Signature Loan 8.75% *Above certificate/savings rate earned. $5 Membership required for all consumer loans. Looking to build your credit and get rewarded for it? Apply for credit Back to top Checking Account Rates Account Type APY Everyday Checking 0% Moneymaker Checking 0.50% Moneymaker Checking Paired with standard Vibrant Credit Card 1.00% APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 0.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 PIN or signature-based transactions on their Vibrant debit card posted per calendar month to qualify. If requirements are not met, the rate will be .01% APY for total balance. To qualify for the 1.00% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1,000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions. Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 1.00% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .10% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. Checking program details, benefits and rebates subject to change without notice. Free checking. Great rates. Get started today! Open an account Back to top Savings Account Rates High Interest Super Savings Membership/Club Yellow Money Market Average Daily Balance APY* APY* APY* APY* $200,000+ 0.40% 0.25% 0.01% 0.40% $100,000 - $199,999 0.40% 0.20% 0.01% 0.40% $25,000 - $99,999 0.01% 0.01% 0.01% 0.01% $10,000 - $24,999 0.01% 0.01% 0.01% 0.01% $100 - $9,999 0.01% 0.01% 0.01% 0.01% $0 - $99 0.01% 0.01% 0.00% 0.01% *APY=Annual Percentage Yield Ready to earn more on your money? Open a savings account Back to top Health Savings Account (HSA) Rates Average Daily Balance APY* $5,000+ 0.01% $100 - $4,999 0.01% *APY=Annual Percentage Yield Looking to supplement your healthcare? Open an HSA Back to top Certificate of Deposit (CD) Rates Term APY* 3 Month 0.20% 6 Month 0.30% 1 Year 0.20% 15 Month* 0.30% 18 Month 0.25% 2 Year 0.30% 30 Month 0.35% 3 Year 0.40% 4 Year 0.65% 5 -Year Add-On Certificate** 0.80% *APY= Annual Percentage Yield. *15 month certificate will automatically renew into a 12-month term at maturity. **During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. ^$5 minimum to open account. Penalty may be imposed for early withdrawal. Need to grow your cash steadily and securely? Open a CD Back to top Individual Retirement Account (IRA) Rates Average daily balance APY* $100,000+ 0.35% $50,000 - $99,999 0.30% $25,000 - $49,999 0.10% $10,000 - $24,999 0.01% $100 - $9,999 0.01% *APY= Annual Percentage Yield. Any fees could reduce potential earnings. Ready to save powerfully for retirement? Open an IRA Back to top Business Checking Account Rates Average daily balance APY* $100,000+ 0.25% $25,000 - $99,999 0.15% $0 - $24,999 0.00% *APY=Annual Percentage Yield. No monthly maintenance fees. No minimum balance requirements. Want to ditch those monthly fees and requirements? Open a business checking account Back to top Business Money Market Rates Average daily balance APY* $500,000 + 1.00% $200,000 - $499,999 0.75% $100,000 - $199,999 0.25% $25,000 - $99,999 0.01% $10,000 - $24,999 0.01% $100 - $9,999 0.01% *APY=Annual Percentage Yield Searching for flexibility and a high money market yield? Open a business money market account Back to top Help Member resources FAQ Contact us Rates About We are Vibrant Events Blog & news Sitemap Careers Careers Benefits Core values Open positions Legal Disclosures Privacy policy Business Service Agreement Member Service Agreement Get in Touch 800-323-5109 hello@vibrantcu.org © 2021 Vibrant Credit Union. All rights reserved. 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