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Vibe Credit Union Rates & Review October 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 9, 2026
Vibe Credit Union's top rates as of October 9, 2026 are 3.80% APY on its 6-11 Month CD, 3.04% APY on savings, 1.51% APY on money market accounts, 6.50% APY on checking, and personal loans from 11.24% APR, according to rates verified by MonitorBankRates. Other Vibe Credit Union CD rates include Regular and IRA CDs of Deposit - 6-11 Month at 3.80%, 12-17 Month CD at 3.70%, and Regular and IRA CDs of Deposit - 12-17 Month at 3.70%. 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 10/09/2026.
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
6-11 Month Certificate
3.75%
3.80%
6-11 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
12-17 Month Certificate
3.65%
3.70%
12-17 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
18-23 Month Certificate
3.60%
3.65%
18-23 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
24-29 Month Certificate
3.31%
3.35%
24-29 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
60 Month Certificate
1.89%
1.90%
60 Month
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 5 times
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
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
48-59 Month Certificate
1.79%
1.80%
48-59 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
36-47 Month Certificate
1.69%
1.70%
36-47 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
30-35 Month Certificate
1.64%
1.65%
30-35 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Vibe Credit Union Savings Rates
Product
Rate
APY
View More
High Yield Savings Account
-
3.04%
Min Balance$0
DetailsBalances up to $2499.99 will early 3.04% APY and balances $2500 or more earn 0.05% APY. Rates subject to change at any time. Limit one per youth account holder.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.02% → 3.04% ▲ 1.02 pts · high 3.04% / low 2.02%
Oct 9, 20263.04%▲ from 2.02%
Sep 14, 20262.02%first recorded
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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 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
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 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
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High-Yield Savings Account
-
2.02%
Min Deposit$25
Min Balance$5
DetailsEarn our highest rate on as little as $5.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 4 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
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Holiday Savings
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Savings
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Business Savings
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 4 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; APY with Bonus: 3.02%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 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; APY with Bonus: 2.77%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 3 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-$249,999.99; APY with Bonus: 2.52%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.65%
0.65%
Min Balance$2,500
DetailsBalance: $2,500 or more
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 5 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; APY with Bonus: 2.16%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 3 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-$49,999.99; APY with Bonus: 2.11%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.50%
0.50%
Min Balance$500
DetailsBalance: $500-$2,499.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
FU$E MMA
0.40%
0.40%
Min Balance$0
DetailsBalance: $0-$499.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 4 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; APY with Bonus: 1.86%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 3 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: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0-$7,500.00
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Reward Checking
-
6.50%
Min Balance$7,500
DetailsQualifications Required: One ACH credit/debit transaction must be posted to the checking account per monthly qualification cycle; One sign-on to Online Banking or Mobile Banking per monthly qualification cycle; Must be enrolled in eStatements; 18 debit card transactions , each a minimum of $5, posted and settled during the monthly qualification cycle (POS or PIN-based); Balances over $7,500 do not earn dividends. Receive up to $20 per month in non-Vibe ATM fees.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
High Yield Reward Checking
0.02%
0.02%
Min Balance$7,500
DetailsBalance: $7,500.01 or more
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 4 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
-
-
6.00%
5 Years
DetailsAs Low As; This is a variable rate product. Rates are subject to change without notice.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
Oct 2, 20266.00%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Flex-Lock Home Equity Line of Credit
-
-
6.25%
10 Years
DetailsAs Low As; This is a variable rate product. Rates are subject to change without notice.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Oct 2, 20266.25%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Flex-Lock Home Equity Line of Credit
-
-
6.50%
15 Years
DetailsAs Low As; This is a variable rate product. Rates are subject to change without notice.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 2, 20266.50%▲ from 6.25%
Sep 18, 20266.25%first recorded
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
Classic Vehicle Loans - 1999 or Older Model Years
-
-
6.99%
1-60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Classic Vehicle Loans - 1999 or Older Model Years
-
-
6.99%
61-84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Classic Vehicle Loans - 1999 or Older Model Years
-
-
6.99%
85-120 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
First-Time Auto Buyer Loans - 2018-2026 Model Years
-
-
11.49%
2026 months
DetailsAdditional APR listed for this product: 12.49%. As Low As; First-Time Auto Buyer Loans
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 11.49% APR · checked 2 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 - 1-60 months Loan
-
6.74%
1-60 months
Details2017-2026 Model Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 121-144 months Loan
-
6.99%
121-144 months
Details2017-2026 Model Years - minimum loan $40,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 61-84 months Loan
-
6.99%
61-84 months
Details2017-2026 Model Years - minimum loan $10,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 85-120 months Loan
-
6.99%
85-120 months
Details2017-2026 Model Years - minimum loan $20,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
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%
2026 months
DetailsAdditional APR listed for this product: 7.24%. Minimum loan $20,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 145-180 months Loan
-
7.24%
145-180 months
Details2017-2026 Model Years - minimum loan $50,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.24% APR
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%
2026 months
DetailsMinimum loan $40,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
New and Used Boats, Campers, Motorhomes, and 5th Wheels - 1-60 months Loan
-
8.24%
1-60 months
Details2016 and Older Model Years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.24% APR
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
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 3 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
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
13-24 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
25-48 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Term Loan
11.99%
49-60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Personal Line of Credit
13.99%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.99% APR · checked 5 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
2012-2017 Model Years Loan
-
-
7.99%
2017 months
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
2018-2024 Model Years Loan
-
-
4.74%
2024 months
DetailsAdditional APR listed for this product: 4.99%, 5.24%, 5.49%.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 4.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
2025-2026 Model Years Loan
-
-
4.74%
2026 months
DetailsAdditional APR listed for this product: 4.99%, 5.24%, 5.49%.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 4.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
CashRewards Loan
-
-
15.75%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 15.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Credit Builder Loan
-
-
5.99%
1-60 months
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Current Prime Rate Loan
-
-
6.75%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Platinum Loan
-
-
12.75%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 5 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 4 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 Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 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
Q2 2026 MBR Health & Safety Badge
Vibe Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Vibe Credit Union
Frequently Asked Questions About Vibe Credit Union
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
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
