Home state: Illinois
    Open membership
    Lends in 5 states

    VIBRANT mortgage rates

    VIBRANT's lowest publicly advertised 30-year fixed rate today is 6.5% — the national average is 6.88%. That's about $36,281 saved over the life of a $400,000, 30-year loan. We track VIBRANT daily and refresh rates every morning.

    Today's rates from VIBRANT

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.5%6.65%Sep 11, 2026Visit
    15 Year Fixed6%6.215%Sep 11, 2026Visit
    5 Year ARM5.875%6.438%Sep 11, 2026Visit
    7 Year ARM5.875%6.284%Sep 11, 2026Visit
    15 Year Fixed Refinance6%6.215%Sep 11, 2026Visit

    Rate history

    Lowest daily rate VIBRANT advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join VIBRANT

    Vibrant Credit Union is open to all U.S. citizens and permanent residents nationwide by joining the Illinois Consumer Council or making a donation to the Be The Good Foundation. Residents and employees in specific counties across Illinois, Iowa, Wisconsin, and Indiana also qualify for membership.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    Illinois Consumer Council, Be The Good Foundation
    County
    Grant County, WI, Green County, WI, Lafayette County, WI, Fountain County, IN, Vermillion County, IN, Warren County, IN, Bureau County, IL, Carroll County, IL, Clark County, IL, DeKalb County, IL, Edgar County, IL, Henderson County, IL

    Where VIBRANT writes mortgages

    VIBRANT publishes mortgage lending in 5 states.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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