Vibe Credit Union


Overview / Commentary
248-735-9500
44575 W 12 Mile Rd
Novi, MI 48377

Vibe Credit Union is headquartered in Novi and is the 19th largest credit union in the state of Michigan. It is also the 365th largest credit union in the nation. It was established in 1953 and as of September of 2021, it had grown to 223 employees and 72,343 members at 16 locations. Vibe Credit Union has an A+ health rating.

Field of Membership Restrictions

Vibe Credit Union is open to those who live, work, worship, or attend school in the Lower Peninsula of Michigan and to retirees of SBC, Ameritech, Western Electric, AT&T or Michigan Bell. (Requirements are listed in the credit union's online application)
See current membership details

Loan Completion

Posted by: |

I am happy after applying for loan to pay off my credit cards was approved, my loan specialist was awesome until the end . She kept me updated about paperwork and completed my process. I am less stressed because I can make one payment instead of numerous payments , I would refer anybody to do banking with Vibe Credit Union. I also referred another family member to check into opening account , getting his credit better to qualify for a loan .My loan specialist also assisted with that process also . Brittani thank you so much for your assistance.

Vibe Is Helpful, Very Courteous And A Pleasure To Do Business With.

Posted by: |

I had planned to take advantage of the 5 year 2.50% CD and became a member. Then I realized my CD's were IRA's and had them transferred someplace else where I could combine them with existing CD's for a higher rate.

I kept the account open and will open an account with them some day. Even though they are on the other side of the state they made the process of opening an account and becoming a member easy and flawless.

Self's Widow

I have been a member for about 43 years while the organization has added more and more services.
As well, there've been at least three name changes. First name I remember was Detroit Telephone Employees Credit Union, and many of my co-workers were members who rated the CU highly. They do have hours into the early evening which increases the convenience.

Worst Customer Service EVER

Nothing but problems since OCCU merged with Vibe. I'm shopping for a new bank now.
I tried to get a home equity loan through VIBE, they said the process takes 3 to 5 MONTHS!!! I went with another bank, and I got one IN THREE DAYS!
Other problems include them randomly cancelling my ATM, not letting me change my ATM pin, forcing me to take a debit card to be able to change my pin, even though I don't want one.

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Health
A+

Health Grade Components

Overall
NCUA #61522
Year Chartered1953
Employees223
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.92%
Annual Interest Income$26.9MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$1.13B$1.02B
LoansQ3 2021vs Q3 2020$735.0MM$677.5MM
DepositsQ3 2021vs Q3 2020$986.4MM$887.1MM
Equity CapitalQ3 2021vs Q3 2020$126.2MM$122.6MM
Loan Loss AllowanceQ3 2021vs Q3 2020$3.9MM$3.2MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$1.5MM$2.3MM
Real Estate OwnedQ3 2021vs Q3 2020$58.00K$249.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Vibe Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vibe Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Individual Retirement Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.05%$5-Holiday Savings Account
0.05%$5-Business Savings Account
0.05%$5-Savings Account

Vibe Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Business Money Management Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.25%*$100k*-Money Market Accounts
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.15%*$2.5k*-FU$E Money Management Account
OTHER TIERS: 0.05% Up to $500 | 0.10% $500 - $2.5k

Vibe Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Business Checking Account
0.02%--Checking

Vibe Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$250k*-60 Month CD
OTHER TIERS: 1.01% $500 - $100k | 1.06% $100k - $250k
1.01%*$250k*-48 Month CD
OTHER TIERS: 0.90% $500 - $100k | 0.95% $100k - $250k
0.85%*$250k*-36 Month CD
OTHER TIERS: 0.75% $500 - $100k | 0.80% $100k - $250k
0.75%*$250k*-30 Month CD
OTHER TIERS: 0.65% $500 - $100k | 0.70% $100k - $250k
0.65%*$250k*-24 Month CD
OTHER TIERS: 0.55% $500 - $100k | 0.60% $100k - $250k
0.60%*$250k*-18 Month CD
OTHER TIERS: 0.50% $500 - $100k | 0.55% $100k - $250k
0.45%*$250k*-12 Month CD
OTHER TIERS: 0.35% $500 - $100k | 0.40% $100k - $250k
0.35%*$250k*-6 Month CD
OTHER TIERS: 0.25% $500 - $100k | 0.30% $100k - $250k

Vibe Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$250k*-60 Month IRA
OTHER TIERS: 1.01% $500 - $100k | 1.06% $100k - $250k
1.01%*$250k*-48 Month IRA
OTHER TIERS: 0.90% $500 - $100k | 0.95% $100k - $250k
0.85%*$250k*-36 Month IRA
OTHER TIERS: 0.75% $500 - $100k | 0.80% $100k - $250k
0.75%*$250k*-30 Month IRA
OTHER TIERS: 0.65% $500 - $100k | 0.70% $100k - $250k
0.65%*$250k*-24 Month IRA
OTHER TIERS: 0.55% $500 - $100k | 0.60% $100k - $250k
0.60%*$250k*-18 Month IRA
OTHER TIERS: 0.50% $500 - $100k | 0.55% $100k - $250k
0.45%*$250k*-12 Month IRA
OTHER TIERS: 0.35% $500 - $100k | 0.40% $100k - $250k
0.35%*$250k*-6 Month IRA
OTHER TIERS: 0.25% $500 - $100k | 0.30% $100k - $250k
Locations

Availability



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