Vibe Credit Union

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A short history of Vibe CU

Since its inception in 1936 the Vibe Credit Union has been serving its members in the Novi, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Thomas Reagan, the Vibe CU has grown its membership to over 32,473 with assets of more than $535,696,018. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (248) 735-9500 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Novi, MI.

General Information For Vibe CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 62236
Address 44575 W 12 Mile Rd 
City Novi 
State Michigan 
Zip-Code 48377
Phone Number (248) 735-9500
Fax Number () -
Email Address:
CEO/President Thomas Reagan
Members 32,473 
Full-Time Employees 126 
Part-Time Employees
Number of Branch Offices 10 
Total Assets 535,696,018 

Compare Vibe Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Walled Lake School Employees CU Main 3095 S Commerce Rd 48390 (248) 624-5222 No 4.47
Chiropractic CU Chiropractic Federal Credit Union 172 E State St Ste 502 43215 (248) 478-4020 No 5.84
Westacres CU WCU 3700 WESTACRES DR 48324 (248) 363-4376 No 5.90
Loc CU Farmington 22981 Farmington Rd 48336 (248) 474-2200 No 6.13
Community Choice CU Community Choice Credit Union 25555 W Warren St 48127 (313) 563-8200 No 7.44

Vibe Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Vibe Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.40 2.00 3.25 4.10 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 431 35 120 154 132
Rank Among All Michigan Credit Unions 74 9 30 37 23

Vibe Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.02 0.05 0.24 1.92 1.89
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 135 143 108 46 58
Rank Among All Michigan Credit Unions 18 19 22 4 6
Vibe Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.4005,78110,218,642
All Other Unsecured Loans/Lines of Credit 12.5003,4298,150,780
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.00072813,680,424
Used Vehicle Loans 3.2502,19427,454,352
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1002,029238,787,379
Total Other Real Estate Loans/Lines of Credit 4.2501,50628,206,587
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 11.50092510,484,708
TOTAL LOANS & LEASES 16,592336,982,872

Vibe Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 974115,209,0705910,221,600
    b. 15 Years or less 77172,852,035598,214,500
    a. > 15 years 7215,276,86452,449,670
    b. 15 Years or less 18833,211,63861,114,650
Other Fixed Rate 4571,8574419,204
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 201,665,915370,568


Closed-End Fixed Rate 3596,603,613291,624,050
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1,14521,312,512793,955,150
Open-End Fixed Rate 2290,462188,628
TOTALS 3,535266,993,96624528,158,020


Interest Only & Payment Option 1st Mortgage Loans 7903,600489,772
Interest Only & Payment Option Other RE/LOC Loans 3121,95288,627
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Vibe Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes