Vibrant Credit Union: Preferred Savings Review

Rates, fees and account terms

Highest available APY, including promotions: 4.00% Checked

One-year gross estimate: — .

Estimate assumptions

Unconfirmed balance or rate-tier terms: a balance-specific interest estimate is unavailable. Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.

Promotions and qualifying rates

Key conditions and complete account terms

Rates can change. Confirm the current terms with the bank before opening an account. The rates above are available for comparison only when marked checked.

Unconfirmed: Eligibility, Maximum balance, Minimum earning balance, Minimum opening balance, Offers, Other service fees, Tiers. The bank information reviewed did not establish these terms.

Minimum opening deposit

Unconfirmed

Minimum balance to earn interest

Unconfirmed

Eligibility

Vibrant Credit Union membership and a $5 Membership Share account required. Illinois Consumer Council membership is a published qualifying route beyond the local field of membership. Confirm application approval, association costs and current product availability. Other unestablished opening restrictions: Unconfirmed. Available across the 50 states and DC, subject to these conditions.

Key conditions

Preferred Savings, not Digital Advantage: 4.00% APY applies to approximately the first $15,000, with 0.75% on excess balances. The page uses inconsistent $14,999/$15,000 boundaries and blended ranges; exact marginal schedule is Unconfirmed. Unlimited transfers/withdrawals advertised. Do not apply Digital Advantage’s separate 4.40% rate to this product.

Standard rate tiers

Complete tier structure: Unconfirmed.

Balance-specific APY tiers: Unconfirmed. Verified advertised APY: 4.00%; qualification and balance limits below apply.

Fees and waivers

Monthly maintenance: $0.00 (monthly).

Bank disclosures

Official account page ↗ · Additional bank disclosure 1 ↗

Rates and terms checked October 26, 2026.

Our review

Our account review is coming soon.

You can explore the account’s rates and complete terms in the account reference while we prepare our editorial review.

Account behavior report

Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.

Observed rates

Last 90 days · Jul 28, 2026–Oct 26, 2026 · at $10,000.00.

No usable checked rate history at this balance in the last 90 days.

These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.

Reader experiences

Reviewed reader experiences are not available here yet. You can share your own experience in the community; inclusion in an account report requires separate editorial review.