Vibrant Federal Credit Union

Headquarters: Moline, Illinois
Charter: Credit Union
Assets: $1.2B
Fed district: Chicago

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Vibrant Federal Credit Union: $29
Vibrant Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Vibrant Federal Credit Union: $29
Vibrant Federal Credit Union: $29
U.S. median: no median
Cashier's Check
Vibrant Federal Credit Union: $5
Vibrant Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Vibrant Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account/Inactivity fee (monthly)$25
per month
Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Charge$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege (per item)$29
per item
Returned Item/NSF$29
per item
Overdraft Service Transfer (per transfer)$5
per item

ATM & Card

Card Rush Delivery$20
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Check Services

Cashier’s Check (per check)$5
per item
Money Order (per check)$4
per item
Money Orders (per check)$5
per item
Nonmember Check Cashing (per item)$5
per item

Cash & Deposit

Returned Check$25

Account Services

Garnishment/Levy$75

Retirement & IRA

IRA Direct Transfer$28

Other Fees

Lien Release Letter Charge$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account/Inactivity fee (monthly)	$25	per month	None
Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Charge	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege (per item)	$29	per item	None
Returned Item/NSF	$29	per item	None
Overdraft Service Transfer (per transfer)	$5	per item	None
ATM & Card
Card Rush Delivery	$20	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Cashier’s Check (per check)	$5	per item	None
Money Order (per check)	$4	per item	None
Money Orders (per check)	$5	per item	None
Nonmember Check Cashing (per item)	$5	per item	None
Cash & Deposit
Returned Check	$25	Not stated	None
Account Services
Garnishment/Levy	$75	Not stated	None
Retirement & IRA
IRA Direct Transfer	$28	Not stated	None
Other Fees
Lien Release Letter Charge	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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