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Vibe Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Vibe Credit Union's Promotional CD - 13 Month rates are at 4.25%, Promotional CD - 9 Month rates are at 4.10%, 6 - 11 Month Regular CD of Deposit rates are at 3.80%, 12 - 17 Month Regular CD of Deposit rates are at 3.70%, 18 - 23 Month Regular CD of Deposit rates are at 3.65%. Vibe Credit Union's savings rates are at 3.04%. Vibe Credit Union's money market rates are at 1.51%. Vibe Credit Union's checking rates are as high as 6.50%. Vibe Credit Union's Personal Loan Rates are as low as 11.24%. Vibe Credit Union's Credit Card Rates are at 12.75%. Vibe Credit Union's CD rates are 6% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Vibe Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.97%. Rates last updated and verified on 10/29/2026.
Vibe Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vibe Credit Union? Share your experience about Vibe Credit Union by leaving a review below, or read customer reviews before you decide to use Vibe Credit Union.
Vibe Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Vibe Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.97%
ExcellentLower than avg
Vibe Credit Union Texas Ratio
Vibe Credit Union's Texas Ratio is 5.97%, which is considered excellent and is lower than the national average of 6.13%.
Vibe Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.94% to 5.97% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Vibe Credit Union CD Rates
Product
Rate
APY
Term
View More
13-Month Special CD
4.18%
4.25%
13-Month
Min Balance$200
DetailsInterest compounded and credited quarterly; early withdrawal penalty of 180-days' dividends
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Promotional CD - 13 Month
4.18%
4.25%
13 Month
Min Balance$200
DetailsValid for qualified Michigan residents or existing Vibe members; Special 13-Month term; minimum balance $200.00 to open and earn stated APY
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
9-Month Special CD
4.04%
4.10%
9-Month
Min Balance$200
DetailsInterest compounded and credited quarterly; early withdrawal penalty of 90-days' dividends
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Promotional CD - 9 Month
4.04%
4.10%
9 Month
Min Balance$200
DetailsValid for qualified Michigan residents or existing Vibe members; Special 9-Month term; minimum balance $200.00 to open and earn stated APY
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
6 - 11 Month Regular Certificate of Deposit
3.75%
3.80%
6-11 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 6-11 Month
3.75%
3.80%
6-11 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
12 - 17 Month Regular Certificate of Deposit
3.65%
3.70%
12-17 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 12-17 Month
3.65%
3.70%
12-17 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
18 - 23 Month Regular Certificate of Deposit
3.60%
3.65%
18-23 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 18-23 Month
3.60%
3.65%
18-23 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
24 - 29 Month Regular Certificate of Deposit
3.31%
3.35%
24-29 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 24-29 Month
3.31%
3.35%
24-29 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
60 Month Regular Certificate of Deposit
1.89%
1.90%
60 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 1.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 60 Month
1.89%
1.90%
60 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
48 - 59 Month Regular Certificate of Deposit
1.79%
1.80%
48-59 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 1.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 48-59 Month
1.79%
1.80%
48-59 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
36 - 47 Month Regular Certificate of Deposit
1.69%
1.70%
36-47 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 1.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 36-47 Month
1.69%
1.70%
36-47 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
30 - 35 Month Regular Certificate of Deposit
1.64%
1.65%
30-35 Month
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 1.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular and IRA Certificates of Deposit - 30-35 Month
1.64%
1.65%
30-35 months
Min Balance$200
DetailsBalance: $200 - $99,999
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Savings Rates
Product
Rate
APY
View More
Young Savers High-Yield Account
-
3.04%
DetailsBalance up to $2,499.99 earns 3.04% APY; balances $2,500 or more earn 0.05% APY (lower tier omitted); no minimum balance required to open and no monthly fees; OPEN ONLINE; Limit one per youth account holder
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.04% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Youth High Yield Savings Accounts
3.00%
3.04%
Min Balance$0
DetailsBalance: $0-$2,499.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Excess Share Insurance (ESI) Savings
2.47%
2.50%
Min Balance$250,000
DetailsBalance: $250,000-$499,999.99; Only accounts designated by Vibe Credit Union as eligible for Excess Share Insurance (ESI) receive additional insurance coverage above standard NCUA limits.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Excess Share Insurance (ESI) Savings
2.23%
2.25%
Min Balance$500,000
DetailsBalance: $500,000-$5,000,000; Only accounts designated by Vibe Credit Union as eligible for Excess Share Insurance (ESI) receive additional insurance coverage above standard NCUA limits.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Savings Accounts
2.00%
2.02%
Min Balance$0
DetailsBalance: $0-$49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Savings Accounts
2.00%
2.02%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Excess Share Insurance (ESI) Savings
1.49%
1.50%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99; Only accounts designated by Vibe Credit Union as eligible for Excess Share Insurance (ESI) receive additional insurance coverage above standard NCUA limits.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Savings Accounts
0.75%
0.75%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Savings Accounts
0.75%
0.75%
Min Balance$250,000
DetailsBalance: $250,000.00 or more
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Holiday Savings
0.05%
0.05%
DetailsMinimum balance of $5 in a Savings Account is required to receive applicable APY; Dividend rates on all savings accounts are declared at the end of the month
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Savings
0.05%
0.05%
DetailsMinimum balance of $5 in a Savings Account is required to receive applicable APY; Dividend rates on all savings accounts are declared at the end of the month
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Youth High Yield Savings Accounts
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Business Savings Rates
Product
Rate
APY
View More
Business High Yield Savings Accounts
2.96%
3.00%
Min Balance$250,000
DetailsBalance: $250,000-$499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
2.96%
3.00%
Min Balance$500,000
DetailsBalance: $500,000-$5,000,000
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
2.96%
3.00%
Min Balance$5,000,000
DetailsBalance: Over $5,000,000
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
1.98%
2.00%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
1.74%
1.75%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
1.49%
1.50%
Min Balance$5,000
DetailsBalance: $5,000-$49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business Savings
0.05%
0.05%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business High Yield Savings Accounts
0.01%
0.01%
Min Balance$0
DetailsBalance: $0-$4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Accounts
1.50%
1.51%
Min Balance$500,000
DetailsBalance: $500,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market Accounts
1.25%
1.26%
Min Balance$250,000
DetailsBalance: $250,000-$499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market Accounts
1.00%
1.01%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.65%
0.65%
Min Balance$2,500
DetailsBalance: $2,500 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market Accounts
0.65%
0.65%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market Accounts
0.60%
0.60%
Min Balance$5,000
DetailsBalance: $5,000-$49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.50%
0.50%
Min Balance$500
DetailsBalance: $500-$2,499.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.40%
0.40%
Min Balance$0
DetailsBalance: $0-$499.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Money Market Accounts
0.35%
0.35%
Min Balance$0
DetailsBalance: $0-$4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Reward Checking
6.31%
6.50%
Min Balance$0
DetailsQualifications Required; Balance: $0-$7,500.00; Qualifying balance up to $7,500.00; Qualifications Not Met tier omitted
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Flex-Lock Home Equity Line of Credit - 5 Years
-
-
6.00%
5 Years
DetailsAs Low As; Rates apply to first lien position and require acceptable collateral; Membership eligibility required
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Flex-Lock Home Equity Line of Credit - 10 Years
-
-
6.25%
10 Years
DetailsAs Low As; Rates apply to first lien position and require acceptable collateral; Membership eligibility required
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Flex-Lock Home Equity Line of Credit - 15 Years
-
-
6.50%
15 Years
DetailsAs Low As; Rates apply to first lien position and require acceptable collateral; Membership eligibility required
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 13, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Flex-Lock Home Equity Line of Credit - Line of Credit
-
-
6.50%
DetailsAs Low As; Line of Credit option; Rates apply to first lien position and require acceptable collateral; Membership eligibility required
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loan
-
-
4.99%
1-48 months
DetailsAs Low As; Model Years: 2025-2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vehicle Loan
-
-
5.24%
49-60 months
DetailsAs Low As; Model Years: 2025-2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vehicle Loan
-
-
5.49%
61-72 months
DetailsAs Low As; Model Years: 2025-2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vehicle Loan
-
-
5.74%
73-84 Months
DetailsAs Low As; Model Years: 2025-2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Classic Vehicle Loans
-
-
6.99%
1-60 months
DetailsAs Low As; Model Years: 1999 or Older Model Years
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Classic Vehicle Loans
-
-
6.99%
61-84 months
DetailsAs Low As; Model Years: 1999 or Older Model Years
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Classic Vehicle Loans
-
-
6.99%
85-120 months
DetailsAs Low As; Model Years: 1999 or Older Model Years
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vehicle Loan
-
-
7.99%
1-60 months
DetailsAs Low As; Model Years: 2012-2017
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
First-Time Auto Buyer Loan
-
-
11.49%
1-48 months
DetailsAs Low As; Model Years: 2018-2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
First-Time Auto Buyer Loan
-
-
12.49%
49-60 months
DetailsAs Low As; Model Years: 2018-2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 12.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 2017-2026 Model Years Loan
-
6.74%
DetailsModel year 2026; As Low As; Model Years: 2017-2026
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 2017-2026 Model Years Loan
-
6.99%
DetailsModel year 2026; As Low As; Model Years: 2017-2026; Minimum loan $10,000
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Motorcycles, Jet Skis, and Snowmobiles - 2023-2026 Model Years Loan
-
6.99%
DetailsModel year 2026; As Low As; Model Years: 2023-2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 2017-2026 Model Years Loan
-
7.24%
DetailsModel year 2026; As Low As; Model Years: 2017-2026; Minimum loan $50,000
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Motorcycles, Jet Skis, and Snowmobiles - 2023-2026 Model Years Loan
-
7.24%
DetailsModel year 2026; As Low As; Model Years: 2023-2026; Minimum loan $20,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Motorcycles, Jet Skis, and Snowmobiles - 2023-2026 Model Years Loan
-
7.99%
DetailsModel year 2026; As Low As; Model Years: 2023-2026; Minimum loan $40,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 2016 and Older Model Years Loan
-
8.24%
1-60 months
DetailsAs Low As; Model Years: 2016 and Older
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Motorcycles, Jet Skis, and Snowmobiles - 2022 and Older Model Years Loan
-
9.74%
1-60 months
DetailsAs Low As; Model Years: 2022 and Older
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum
-
12.75%
DetailsAs Low As; Visa Credit Cards; APR as low as 12.75%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 12.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Visa CashRewards
-
15.75%
DetailsAs Low As; Visa Credit Cards; APR as low as 15.75%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 15.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Term Loan
11.24%
1-12 months
DetailsAs Low As; Personal Loans table
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
13-24 months
DetailsAs Low As; Personal Loans table
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
25-48 months
DetailsAs Low As; Personal Loans table
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
49-60 months
DetailsAs Low As; Personal Loans table
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Line of Credit
13.99%
DetailsAs Low As; Personal Loans table; Term: n/a
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.99% APR · checked 9 times
No change since Oct 26, 2026 · 19.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Credit Builder Loan
-
-
5.99%
1-60 months
DetailsAs Low As; Personal Loans table
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Individual Retirement Account
0.35%
-
0.35%
Min Balance$0
DetailsBalance: $0-$4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Individual Retirement Account
0.55%
-
0.55%
Min Balance$5,000
DetailsBalance: $5,000- $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Individual Retirement Account
0.60%
-
0.60%
Min Balance$25,000
DetailsBalance: $25,000- $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Individual Retirement Account
0.65%
-
0.65%
Min Balance$50,000
DetailsBalance: $50,000- $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Individual Retirement Account
0.75%
-
0.75%
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Financial Health History
Vibe Credit Union’s Texas Ratio rose from 3.94% in Q3 2023 to 5.97% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.6B
5.97%
5.0
A+
March 31, 2026
$1.6B
4.90%
5.0
A+
December 31, 2025
$1.4B
5.45%
5.0
A+
September 30, 2025
$1.5B
5.49%
5.0
A+
June 30, 2025
$1.5B
5.72%
5.0
A+
March 31, 2025
$1.5B
4.45%
5.0
A+
December 31, 2024
$1.3B
6.46%
5.0
A
September 30, 2024
$1.4B
6.28%
5.0
A
June 30, 2024
$1.4B
5.96%
5.0
A+
March 31, 2024
$1.3B
6.05%
5.0
A
December 31, 2023
$1.2B
6.39%
5.0
A
September 30, 2023
$1.2B
3.94%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Vibe Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vibe Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vibe Credit Union's official website for the most current offers and terms.
Address
44575 W Twelve Mile Rd,
Novi, MI 48377-2505
Phone248-735-9500
Fax
PresidentStephen Westbrooks
CEOChaz Rzewnicki
Full-Time Employees272
Part-Time Employees9
Branch Locations15
ATM Locations15
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.97%
Return on Assets (ROA)
0.2848%
Return on Equity (ROE)
2.7229%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
1,578,072,113
Total Amount of Shares and Deposits
1,237,845,504
Total Shares and Deposits < 1 Year
1,210,123,734
Total Shares and Deposits 1 3 Years
24,661,759
Total Shares and Deposits > 3 Years
3,060,011
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
59,939,257
Total Uninsured Shares and Deposits > $250K (F+J)
59,939,257
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,177,906,247
Total Interest Expense (Sum of items 6 8)
13,156,282
Share Certificates
9,119
Number of Accounts for Share Drafts
52,144
IRA KEOGH Accounts
3,012
Number of Accounts for Regular Shares
103,237
Money Market Shares
8,489
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
232,989,690
Total Liabilities
1,427,589,550
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Vibe Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Vibe Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Vibe Credit Union
Frequently Asked Questions About Vibe Credit Union
Does Vibe Credit Union offer CDs?
Yes. Vibe Credit Union current CD rates include its Promotional CD - 13 Month at 4.25% APY, its Promotional CD - 9 Month at 4.10% APY and its 6 - 11 Month Regular CD of Deposit at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Vibe Credit Union NCUA insured?
Yes. Vibe Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Vibe Credit Union?
The highest Vibe Credit Union CD rate is its 13-Month Special CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Vibe Credit Union offer?
Vibe Credit Union CD rates are 4.10% APY for a 9 month CD, 3.80% APY for an 11 month CD, 3.80% APY for a 12 month CD, 4.25% APY for a 13 month CD, 3.70% APY for a 17 month CD, 3.70% APY for an 18 month CD, 3.65% APY for a 23 month CD, 3.65% APY for a 2 year CD and 1.80% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vibe Credit Union for its full lineup.
What is the highest savings rate at Vibe Credit Union?
The highest Vibe Credit Union savings rate is its Youth High Yield Savings Accounts at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Vibe Credit Union?
The highest Vibe Credit Union money market rate is its Money Market Accounts at 1.51% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Vibe Credit Union?
The lowest Vibe Credit Union auto loan rate is its Vehicle Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Vibe Credit Union?
The lowest Vibe Credit Union personal loan rate is its Personal Term Loan at 11.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Vibe Credit Union?
The lowest Vibe Credit Union credit card APR is its Visa Platinum Credit Card at 12.75% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Vibe Credit Union operate?
Vibe Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Vibe Credit Union?
Yes, to access services at Vibe Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Vibe Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Vibe Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Vibe Credit Union offer online and mobile banking?
Most modern institutions like Vibe Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vibecreditunion.com/.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Vibe Credit Union rates compare?
Vibe Credit Union's CD rates are 6% lower than the MonitorBankRates national average, and it has an A+ health rating. Vibe Credit Union's top rates are its 13-Month Special CD at 4.25% APY, its Youth High Yield Savings Accounts at 3.04% APY, its Money Market Accounts at 1.51% APY, its High Yield Reward Checking at 6.50% APY, its Personal Term Loan at 11.24% APR and its Visa Platinum Credit Card at 12.75% APR, verified by MonitorBankRates on October 29, 2026.
Current Vibe Credit Union Rates
12-Month CD3.80%
18-Month CD3.70%
24-Month CD3.65%
60-Month CD1.80%
Savings3.04%
MMA1.51%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
