Savings
Savings Accounts that move you forward.
Whether you are building an emergency fund, saving for something big, or setting aside money for the future, our savings options give you simple ways to grow with confidence.
Saving for the future
made simple.
Every Vibe Savings Account gives you secure access to your money, helpful digital tools, and competitive rates that support steady growth as you work toward your goals.
High-Yield Savings
With a competitive rate and no minimum balance, your money starts growing the moment you begin saving. Unlike other institutions, Vibe pays you more from day one with a High-Yield Savings Account!2 Earn our highest rate on as little as $5.
Money Market Savings
A Money Market Account is a flexible way to grow your savings with competitive rates and easy access when you need it. With this account, the more you save the more you earn.
Certificate of Deposit (CD)
CDs give you predictable, steady growth so you can save with confidence and stay focused on your long-term goals.
Earn competitive interest on balances as low as $200 with any term you choose, from six months to five years, and daily calculated interest.
IRAs
Our Traditional and Roth IRA options offer tax-advantaged growth and steady earning potential that help you build long-term security at your own pace.
Learn more about which IRA CD is right for you on the IRS website.
Special/Holiday Savings
Set money aside for holidays or vacations with ease. Add funds throughout the year, earn interest, and get an automatic transfer every November when it is time to put your savings to use.
You Have Savings Questions, We Have Answers.
What is a savings account and how does it work?
A savings account is a safe place to set money aside and earn interest on it over time. You can deposit or withdraw when you need to, but it’s mainly designed to help your balance grow.
How much do I need to open a savings account?
It depends on the account, but most savings accounts only require a small opening deposit. Some even let you start with just a few dollars. At Vibe, a $25 deposit is required to open a savings account.
What are dividends?
Dividends are the earnings you receive just for keeping your money in your savings account. As your balance grows, your credit union pays you a percentage back over time, helping your savings grow even more.
How often can I withdraw my money?
Savings accounts are meant for occasional withdrawals, but you can take money out whenever you need it. Some types of accounts may limit how often you withdraw each month. That information can be found in your new account disclosures when you open those accounts.
Is my money safe and insured?
Yes. Your money is federally insured up to $250,000 per depositor, through the NCUA (National Credit Union Administration), which means your savings are protected.
Can I transfer money easily between my accounts?
Absolutely. You can move money between your savings and checking accounts anytime through online banking or the mobile app.
1. APY = Annual Percentage Yield. 2. Interest rates on all savings accounts are declared at the end of the month. All rates are subject to change at any time without notice. CDs and IRAs are subject to penalty upon early withdraw. Fees could reduce the earnings on the account. A minimum balance of $5 in a Savings Account is required to receive applicable APY. For tiered rate accounts, each interest rate will apply only to that portion of the account balance within each balance range. Limit one per primary account holder, personal or business. A $25 minimum opening deposit into your Savings Account is required when opened online. Additional savings accounts may also require a minimum deposit at account opening. All deposit accounts are included in your NCUA $250,000 coverage. Use the Share Insurance Estimator tool to find out how the share insurance rules apply to your accounts, what is insured, and what portion (if any) exceeds coverage limits.