High Yield Savings

The Perfect Place to Start Your Savings Journey. 

The Vibe High Yield Savings Account gives you competitive rates and total flexibility, with no minimum balance required and no hoops to jump through. Simple, smart saving that pays you the highest rate on day one. 

At Vibe, the best rates don't require the best balance. 

Starting APY1
2.02%

Start Saving the Smart Way.







Take the faster route toward your financial goals.

Every deposit gets you closer to what matters most, whether that’s a new home, a family trip, or a more comfortable financial future. With Vibe High Yield Savings, your money grows with purpose, backed by tools that keep you in control.

  • Earn our highest rate on balances up to $99,999.2
  • No minimum balance required to open
  • No monthly maintenance fees
  • Your cash remains liquid, which means you have access to it at any time
  • Use this account as Overdraft Protection, upon request
  • Dividends are calculated based on your daily balance and paid monthly
  • Build your balance automatically by scheduling monthly transfers from other Vibe accounts
 

open ONLINE

 
1 APY = Annual Percentage Yield. 2. Tiered rate structure with full rates and tiers can be viewed here.  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. Rates are subject to change. Limit one per primary account holder, personal or business.







Calling all Young Savers. We have a High-Yield Account for you, too!

  • No minimum balance required to open and no monthly fees
  • Earn up to 3.04% APY3 on balances up to $2499
 
3. Balances up to $2499.99 will early 3.04% APY and balances $2500 or more earn 0.05% APY. Rates subject to change at any time. Limit one per youth account holder. 















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Your High-Yield Savings Questions, Answered.

There is no minimum opening balance requirement to open a High Yield Account, but you do need to carry a balance to earn dividends. 
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. 
A Money Market account pays higher rates as your balance grows, making it a great fit for more experienced savers or anyone building larger savings over time. A High-Yield Savings account is built for newer savers and gives you our highest rate right from day one with no big balance needed to start earning more. 
You may owe taxes on the dividends or interest you earn from a High Yield account, just like with most other savings accounts. Vibe will send you an annual tax statement (usually a 1099 form) so you have everything you need when you’re preparing your taxes.