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

Vibe Credit Union is headquartered in Novi and is the 22nd largest credit union in the state of Michigan. It is also the 499th largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 132 employees and 32,520 members at 10 locations. Vibe Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the lower peninsula of Michigan and to retirees of SBC, Ameritech, Western Electric, AT&T or Michigan Bell.
See current membership details

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Reviews (5)

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

Posted by: Ally6770 | May 28, 2015

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.

Charging $2 Per Month For Mailed Statements

Posted by: Spike3 | Nov 10, 2016

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 I wrote to ask them if that policy was being rescinded.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: Kb1987 | Jul 1, 2015

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
A+

Health Grade Components

Overall
NCUA #62236
Year Chartered1936
Employees132
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.25%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$509.1MM$451.0MM
LoansQ2 2016vs Q2 2015$306.2MM$281.6MM
DepositsQ2 2016vs Q2 2015$429.6MM$372.7MM
Equity CapitalQ2 2016vs Q2 2015$69.6MM$68.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.0MM$2.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.0MM$917.00K
Real Estate OwnedQ2 2016vs Q2 2015$597.00K$777.00K
Rates
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* 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
0.12%*$20k*-Individual Retirement Account
OTHER TIERS: 0.05% Up to $2,500 | 0.08% $2,500 - $20k
0.05%--Membership Savings Account
0.05%--Christmas Savings Account
0.02%--Business Savings Account

Vibe Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-ELITE Money Market Account
OTHER TIERS: 0.05% Up to $50k | 0.25% $50k - $100k
0.15%*$20k*-Money Management Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $20k
0.15%*$20k*-Business Money Market Account
OTHER TIERS: 0.10% $2,500 - $20k
0.15%*$20k*-FU$E MMA
OTHER TIERS: 0.05% Up to $500 | 0.10% $500 - $20k

Vibe Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$2,500-Business Checking Account
0.02%*$1k*-Sound Checking
OTHER TIERS: 0.01% Up to $1k
0.02%*$1k*-FU$E Checking
OTHER TIERS: 0.01% Up to $1k

Vibe Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%$500-60 Month CD
1.50%$500-48 Month CD
1.25%$500-36 Month CD
1.00%$500-30 Month CD
0.80%$500-24 Month CD
0.65%$500-18 Month CD
0.50%$500-12 Month CD
Locations


Vibe Credit Union Locations
Branch Office9373 Middlebelt RdLivonia, MI 48150-3060
Branch Office21100 Northwestern HwySouthfield, MI 48075-5013
Branch Office44300 Warren RdCanton, MI 48187-2145
Branch Office22245 Haggerty RdNovi, MI 48375-5316
Branch Office3082 Coolidge HwyBerkley, MI 48072
Branch Office21985 Pontiac TrlSouth Lyon, MI 48178-8727
Branch Office44575 W 12 Mile RdNovi, MI 48377-2505
Branch Office501 S Main StRoyal Oak, MI 48067-2617
Branch Office163 W Maple RdBirmingham, MI 48009-3323
Branch Office33950 Van Dyke AveSterling Heights, MI 48312