Vibe Credit Union

Overview / Commentary
44575 W 12 Mile Rd
Novi, MI 48377

Vibe Credit Union is headquartered in Novi and is the 21st largest credit union in the state of Michigan. It is also the 367th largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 227 employees and 80,223 members at 15 locations. Vibe Credit Union's savings rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Vibe Credit Union is open to those who live or work 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.



Health Grade Components

NCUA #61522
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD8.31%
Annual Interest Income$14.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.28B$1.23B
LoansQ1 2024vs Q1 2023$860MM$803.5MM
DepositsQ1 2024vs Q1 2023$1.15B$1.1B
Equity CapitalQ1 2024vs Q1 2023$123.9MM$110.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.9MM$7.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$9.7MM$3.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

3.04%*$0$100kHigh Yield Savings Accounts
OTHER TIERS: 0.75% $100k+
3.04%*$0$100kBusiness High Yield Savings Accounts
OTHER TIERS: 0.75% $100k+
0.75%*$100k*-Individual Retirement Account
OTHER TIERS: 0.35% $0 - $5k | 0.55% $5k - $25k | 0.60% $25k - $50k | 0.65% $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

0.75%*$100k*-Business Money Management Account
OTHER TIERS: 0.35% $0 - $5k | 0.55% $5k - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.75%*$100k*-Money Market Accounts
OTHER TIERS: 0.35% $0 - $5k | 0.55% $5k - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.65%*$2.5k*-FU$E Money Management Account
OTHER TIERS: 0.40% $0 - $500 | 0.50% $500 - $2.5k

Vibe Credit Union Checking Account Rates

6.50%*$0$7.5kHigh Yield Reward Checking
OTHER TIERS: 0.02% $7.5k+
0.02%$0-Business Checking Account

Vibe Credit Union CD Rates

5.05%$200-6 Month CD
4.85%$200-12 Month CD
4.65%$200-18 Month CD
2.02%$200-60 Month CD
1.91%$200-48 Month CD
1.81%$200-36 Month CD
1.76%$200-30 Month CD
1.71%$200-24 Month CD

Vibe Credit Union IRA Rates

5.05%$200-6 Month IRA
4.85%$200-12 Month IRA
4.65%$200-18 Month IRA
2.02%$200-60 Month IRA
1.91%$200-48 Month IRA
1.81%$200-36 Month IRA
1.76%$200-30 Month IRA
1.71%$200-24 Month IRA


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