44575 W. Twelve Mile Rd
Novi, MI 48377
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.45% 0.80% →
2-Year CD 0.75% 0.80% →
5-Year CD 1.31% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Vibe is an NCUA insured institution located in Novi, MI. It was founded in 1953 and has approximately $1109.59 millions in assets.

Who can join?

Anyone who resides, works, or worships in Oakland County is eligible for membership.

NCUA Insured Yes / State-Chartered
Charter Number # # 61522
Date Established 1953
Assets $1,109.59 million
Loans $707.39 million
Deposits $975.77 million
Capital $125.50 million

Field of Membership Restrictions

Membership is open to those who live, worship or work in Southeastern Michigan.

Deposit Rates - September 21, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.16% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.31% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Fixed IRA
0.40% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $99 Learn MoreShow Less
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 21, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for VIBE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.675% 2.625% 0.63 $1,630 $1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to VIBE
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Vibe branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Financial Details

Vibe Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Vibe. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Vibe U.S. Average
2.94% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Vibe had $3,609,299 in non-current loans and $200,011 in owned assets. To cover these potential losses it had $125,497,895 in net worth and $3,883,942 in loans loss reserves. That gives it a Texas Ratio of 2.94%.

Net Worth
Vibe U.S. Average
11.93% 12.20%

Vibe FCU has a net worth of 11.93% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Vibe

Branches and Savings

What is Vibe?

A credit union, registered with the NCUA under certificate #61522.
Learn more about credit unions here.

Is Vibe FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Vibe is insured by the NCUA.

Who can join Vibe?

Please see Field of Membership information above for information on who is eligible to join.

What are Vibe's share account and share certificate rates?

Vibe's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Vibe?

Vibe has total capital of $125.50 million. Full information on Vibe's financial position is located above.

Who owns Vibe?

Credit Unions are owned by their members.

Where are Vibe branches located?

See branch locations nearby.

Are Vibe ATMs Open 24/7?

Do Vibe ATMs accept cash deposits?

Can Vibe customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Vibe have a mobile app?

Does Vibe have mobile deposit?

Does Vibe have quick pay?

How can Vibe transfer money to other banks or credit unions?

Does Vibe report to credit bureaus?

Does Vibe use Chexsystems?

Does Vibe use Equifax?

What is Vibe's toll free phone number?

What is Vibe's ACH Routing Number?

What is Vibe's SWIFT code?

Where can I find Vibe's wire transfer form?

What is the Vibe address for deposits?

What Products Does Vibe Offer

Does Vibe offer mortgages?

Compare mortgage rates here.

Does Vibe offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Vibe offer auto and RV loans?

Compare auto loan rates here.

Does Vibe offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Vibe

There are currently no comments for Vibe. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →