Vibe Credit Union

Overview / Commentary
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 360th largest credit union in the nation. It was established in 1953 and as of June of 2021, it had grown to 224 employees and 71,427 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

Reviews (8)

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.

Don’T Bother

Posted by: |

This place has went downhill pretty fast. First I had a small personal loan with them and I went I missed a payment, my fault, I reached out to them to set up payment arrangements to pay it off. Some money would come out every week till paid off. Then about every few weeks the would take a huge amount out of my checking account to pay off the negative balance on the loan. I literally had to call these people 3 times to tell them to stop doing that and stick to the payment arrangements we talked about. No communication. Then after loan was paid off the were to keep taking the same amount out every week to pay off the negative balance on the checking account. They stopped. I called twice to tell them to continue taking money weekly to pay off negative checking account. That stopped. I can’t keep calling them to tell them I owe them money. But you better believe they hit my credit score will that negative balance. Ridiculous! Then to top it off, today I go pick up a new debit card and because of covid you can’t go in to active your new card, so they gave me a number to call to activate it myself. But the teller tells me to call after 7pm to activate the card. I call the number at 7:30pm and the recording tells me it can’t activate my card. Which leads me to the BIGGEST problem of all!!! They close at 7. So even though the says to call the bank, you can’t, their closed!!! So now I’m stuck with no way to access my money. Praying nothing serious will happen till I can call them in the morning. And don’t bother calling the card services number cause they can’t do crap. I’m sure there’s a few more things that warrant the 1 star, I just believe I wrote enough. Don’t bother with these guys. Go somewhere else!!

Member For 30Yrs

There customer service is horrible!!!!
Their policies gouge customers!!
They have no regard for customers at all!!
I was told that the amount of money I had in my account made me of no real value to them....Wow!

Charging $2 Per Month For Mailed Statements

Posted by: |

Last Friday, I heard a rumor Vibe was going to start charging $2/month for mailing out account statements. I wrote to their customer service, pointing out that the only thing on their web site vaguely alluding to this was the statement: "*APY = Annual Percentage Yield. Fees could reduce the earnings on the account."
Their current Fee page states that if someone has joined prior to 2011 (as in my case), such a $2 statement fee is waived. I wrote to ask them if that policy was being rescinded. They claimed I could expect a response within one business day. Three business days later, with no response, I wrote them stating I was still waiting for an answer. Today (4 business days later), I repeated that input. I finally got a response: "We will begin charging a $2.00 paper statement fee for anyone who wishes to continue to receive paper statements starting with the January 2017 statement. We provide you with a free, convenient way to view and print your statements with eServices. The money saved by providing free electronic statements" (notice how the topic has shifted from having to pay for paper statements to free - until they decide otherwise - electronic statements) "will be reinvested into the products and services we offer to all members." (Isn't that nice for them?) "The fee structure document will be updated once the fee begins in 2017."
I neither have nor want home internet. Vibe seems to be willfully ignorant of the fact that savings holders are providing them with money to loan at a laughable interest rate. Keeping track of the money people lend them in their savings accounts is a responsibility, and should not be regarded as a burdensome chore by Vibe, for which they feel entitled to charge.
Vibe has a deluded sense of importance.

Very Poor Customer Service

I use vine account for my financial aid deposit and had never had to contact their support line until just recently. Besides the fact that I had to call multiple times after waiting over 30 minutes to speak to a representative, when I finally got a hold of someone there was nothing but giggles and sarcasm to greet my concerns. I then asked to speak to a supervisor who also was unable to resolve my issue and did not come off as knowledgable. Extremely dissatisfied with the customer service I received today.

Did Not Inform Me Of Policy Change

Posted by: |

When I initially opened an account with Vibe, there was no monthly service charge as long as I had $5 in savings. When they switched to charging $3 per month for accounts with less than $500 in them, I was never informed (no e-mail, no regular mail. Just an unknown charge on my account. I read through my old banking e-mails to make sure I didn't miss it and still found nothing).

Paying the $3 isn't a problem - what is is that Vibe never actually informed me of the policy change. I've since closed the account because I do not feel safe banking with a company who did not bother to inform me of policy change.


Health Grade Components

NCUA #61522
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.89%
Annual Interest Income$17.6MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.13B$1.02B
LoansQ2 2021vs Q2 2020$721.0MM$669.2MM
DepositsQ2 2021vs Q2 2020$986.7MM$880.8MM
Equity CapitalQ2 2021vs Q2 2020$125.6MM$121.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$3.7MM$3.1MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$1.6MM$3.0MM
Real Estate OwnedQ2 2021vs Q2 2020$50.00K$249.00K
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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

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

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

0.02%--Business Checking Account

Vibe Credit Union CD Rates

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

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


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