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Vibrant

PO Box 1550, Moline, IL 61265
NCUA Insured3.4 (195 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 1550

Moline, IL 61265

Service Area

This credit union is located in Moline and serves members in the IL area. Currently serving 52,065 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.00%

Used Auto Loan

6.00%

Personal Loan

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.4

195 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
William Grigsby

William Grigsby

3 months ago

Never had a problem with Vibrant until today. I myself am a service technician and on a daily basis deal with many customers, nice and not so very nice. Came in with some concerns and just needed help understanding. Staff member helped me then went back to go grab her manager Ryan Minder. From the time he came over, he just had this demeanor about him that he didn’t want to help. Explained my situation and just needed clarification. Didn’t really listen to me, just kept basically telling me I didn’t know what I was talking about. Again as someone that deals with plenty of people, that’s not the attitude you should have. If a customer wants to understand something, break it down, take your time and explain. Went to the other branch by Menards, forgot to ask her name but she was marvelous. Listened to me from the start to finish and was able to get me resolved. Ryan everyone has bad days but as a customer service MANAGER (at that) you need to breathe and use your listening ears. Very dissatisfied with your help and hopefully you can get the correct training

Ari Walters

Ari Walters

5 months ago

Too much negative change in the last few years, inconvenient change at that. One recent reasoning being that I had to drive back and forth between the branch by Southpark all the way to the coffee shop ATM. I’ve been a member for 10+ years but truly can’t wait to close all my accounts, and switch to a different and more organized credit union. The negative reviews recently on Google and Facebook will explain everything you need to know before switching to vibrant and to steer clear away.

Maggie Madison

Maggie Madison

6 months ago

I’ve been a member with Vibrant since I was 15, and they still called themselves Deere Harvester. I’ve never had another bank account. Unfortunately the time has come to change. They no longer make debit cards at local branches for members, expecting us to wait 7 to 10 days for a new one to be mailed. I literally laughed out loud on the phone when I was told there’s no other option. I don’t find myself extremely tech savvy, but I do have some automatic bills that come out via my debit card. I do find myself needing access to my debit card daily, as so many purchases are no longer available in person or in cash. This type of wait/delay is not member friendly nor do I think it’s common in this day and age. Fraud attempts are rising, and so debit cards are more likely to be shut off. I shouldn’t have to face additional hardship simply because my bank has decided to place profit over people. I’ll keep my required account only because of my mortgage.. And I feel like that’s a matter of time before they start selling those off.

Emily Lewis

Emily Lewis

6 months ago

I’m pretty sure I’ve made a review before but I have to again. Vibrant has turned into something horrible. First it was closing locations. Then it was building random coffee shops. Then it was changing the credit card to Elon with no notice. They don’t even offer personal loans anymore. What is even going on. I’m working on leaving this credit union permanently. Do not bank here.

Kim H

Kim H

5 months ago

2 years in a row I have been sent an inaccurate escrow statement outlining the following years payment amount. Last year my letter said I had a 6k overage and they would be sending me a check. When I called to confirm, I was told the letter was incorrect. I had a shortage and my payment was going up. This year the letter said I had a shortage BUT my payment was down. 🤔🤔🤔 So I called Vibrant. They hadn’t included my home owners insurance in the analysis. To keep my house payment the same I have to pay $2200 or my payment goes up $180. UDAAP anyone?

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).