# Vibrant Credit Union CD and share certificate rates

As of October 22, 2026, Vibrant Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 6-month promotional CD ($5 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.50% to 3.65% APY.

Canonical page: https://apyledger.com/cd-rates/vibrant-credit-union
Institution: Vibrant Credit Union (NCUA 61093)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:52.000Z (October 22, 2026)
Official source: https://www.vibrantcreditunion.org/cds
Coverage: Membership required ($5 Membership Share). CD specials (6, 13 and 23 months), a 40-month Bump-Up CD special and standard CDs; all certificates require a $5 minimum opening balance. Specials renew into standard terms. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD Special | promotional | 6 months | $5 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |
| 13-Month CD Special | promotional | 13 months | $5 | 4.15% | Not ZIP-priced | −0.45% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |
| 23-Month CD Special | promotional | 23 months | $5 | 3.80% | Not ZIP-priced | −1.04% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |
| 30-Month CD | standard | 30 months | $5 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |
| 40-Month Bump-Up CD Special | promotional | 40 months | $5 | 3.35% | Not ZIP-priced | −1.61% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |
| 48-Month CD | standard | 48 months | $5 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T16:25:52.000Z | [Snapshot 415](https://apyledger.com/snapshots/415) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.