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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Vibe Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 22, 2026
Vibe Credit Union's 6-11 Month CD rates are at 3.80%, 12-17 Month CD rates are at 3.70%, 18-23 Month CD rates are at 3.65%, 24-29 Month CD rates are at 3.35%, 60 Month CD rates are at 1.90%. Vibe Credit Union's savings rates are at 0.05%. Vibe Credit Union's money market rates are at 0.35%. Vibe Credit Union's Personal Loan Rates are at 11.24%. 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 5.71%. Rates were last updated on 03/22/2026. 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
Administrative Building 44575 W Twelve Mile Rd
https://www.vibecreditunion.com/ Novi, MI 48377 2505 
Vibe Credit Union CD Rates
Vibe Credit Union Savings Rates
Vibe Credit Union Money Market Rates
Vibe Credit Union Checking Rates
Vibe Credit Union Home Equity & HELOC
Vibe Credit Union Credit Card Rates
Vibe Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
Vibe Credit Union
Website
https://www.vibecreditunion.com/
Address
44575 W Twelve Mile Rd,
Novi, MI 48377 2505
Phone
248-735-9500
Fax
President
Gaia Piir
CEO
Chaz Rzewnicki
Full-Time Employees
238
Part-Time Employees
12
Branch Locations
15
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.71%
Return on Assets (ROA)
0.2768%
Return on Equity (ROE)
2.6351%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
1,521,985,150
Total Amount of Shares and Deposits
1,189,661,808
Total Shares and Deposits < 1 Year
1,148,757,453
Total Shares and Deposits 1 3 Years
37,024,487
Total Shares and Deposits > 3 Years
3,879,868
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,596,114
Total Uninsured Shares and Deposits > $250K (F+J)
52,596,114
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,137,065,694
Total Interest Expense (Sum of items 6 8)
21,477,045
Share Certificates
9,352
Number of Accounts for Share Drafts
51,353
IRA KEOGH Accounts
3,141
Number of Accounts for Regular Shares
101,189
Money Market Shares
9,119
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
226,091,793
Total Liabilities
1,377,115,761
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Vibe Credit UnionIs Vibe Credit Union a safe place to deposit money?Yes, Vibe Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7126901526779%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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/. Current Vibe Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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