Vibe Credit Union Berkley MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Vibe, your trusted financial partner located at 3082 Coolidge Hwy, Berkley, MI 48072. Established in 1953, our credit union has been dedicated to serving the community for over 70 years. With a strong membership of 76,966 and total assets reaching an impressive $1,429,523,725, we pride ourselves on fostering a sense of belonging and financial well-being among our members. At Vibe, we understand that each member's journey is unique. Whether you're looking to secure a loan or open a savings account, our team is here to guide you every step of the way. We currently manage $253,961,422 in deposits and have provided 44,733 loans and leases to help our members achieve their dreams. Our commitment goes beyond just numbers; it's about building relationships. Under the leadership of CEO Chaz Rzewnicki and Board President Gaia Piir, our passionate staff of 240 employees is dedicated to ensuring you receive personalized service tailored to your needs. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address: 3082 Coolidge Hwy, Berkley, MI 48072. Feel free to reach out to us at (248) 735-9500, or explore more about our services online at Vibe Credit Union. Join us at Vibe today and discover how we can support your financial goals!

Branch History & Mission

Commitment to Innovation

As technology evolves, so do we. Vibe offers modern conveniences such as online banking, mobile apps, and e-statements, ensuring that our members can manage their finances anytime, anywhere. We prioritize accessibility by maintaining ADA compliance across all our services. For those who prefer in-person interactions, our drive-thru service is available during extended hours: Monday through Friday from 8:30 AM to 6 PM and Saturday from 9 AM to 12 PM. Our friendly staff is always ready to assist you with your banking needs. While members can visit us at 3082 Coolidge Hwy, official correspondence should be sent to the same address as it serves as both our branch and mailing address. Join us at Vibe Credit Union today! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community network. For any inquiries or assistance, feel free to reach out at 248-735-9500. Together, let's build a brighter future!

Our Mission

Our mission at Vibe is clear: we aim to empower our members through responsible banking practices and exceptional service. We believe that everyone deserves access to quality financial resources that support their dreams and goals. This philosophy guides every decision we make as we strive to enhance the financial well-being of our community. In addition to traditional banking services, we actively participate in community outreach initiatives. We partner with local organizations and schools to support various programs that uplift and enrich the lives of those around us. Whether it's sponsoring educational events or contributing to food drives, our focus remains on making a positive impact where it matters most.

Branch Location & Accessibility

Accessibility and Parking

We understand how important accessibility is for our members. Our branch features ADA-compliant ramps and convenient parking spaces right outside our doors. You won't have to worry about finding a spot; we offer ample parking to ensure a smooth visit.

Get In Touch!

Have questions or need assistance? Don't hesitate to call us at 248-735-9500. We're here to support you every step of the way! Come visit us today and see how Vibe can enhance your banking experience in Berkley!

Operating Hours

At Vibe, we want to make banking as easy as possible for you. Our lobby hours are Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. If you prefer the drive-thru option, it's open Monday through Friday from 8:30 AM to 6 PM and Saturday from 9 AM to 12 PM. This means whether you're on your way to work or running errands on the weekend, we're here when you need us!

Services Offered

Our Berkley Branch offers a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got what you need for your financial journey. Plus, our drive-thru service makes it easy for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Vibe, we believe that everyone deserves to be part of a welcoming and supportive financial community. Becoming a member is simple and open to those who live, work, or worship in our local area. Whether you're a first-time account holder or looking to switch from another institution, we invite you to join us! Our members enjoy personalized service and a wide range of financial products tailored to meet your needs. To learn more about the specific eligibility criteria, please visit our website at . If you're ready to take the next step and open an account, just give us a call at (248) 735-9500 or stop by our branch located at 3082 Coolidge Hwy Berkley Mi 48072. We can't wait to welcome you into the Vibe family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing, making it easier for you to focus on what matters most running your business. Imagine having a reliable partner that not only helps you manage transactions efficiently but also enhances customer satisfaction. Our solutions are designed to fit seamlessly into your operations, allowing you to accept payments easily and securely. Visit us at 3082 Coolidge Hwy Berkley Mi 48072 in Berkley, MI, or give us a call at (248) 735-9500 to discover how our business banking and commercial services can empower your success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $96 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $168 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $47,945,213, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Vibe offers robust business banking services. From merchant services that streamline transactions to flexible business loans, we're dedicated to helping you grow your venture without unnecessary hassle.

Convenient Access

We know convenience matters. That's why we provide essential services like ATM access for quick withdrawals and balance checks, as well as drive-thru banking for simple transactions like deposits and withdrawals. Our friendly staff is always ready to assist you during lobby hours from Monday to Friday (9 AM - 6 PM) and Saturday (9 AM - 12 PM). At Vibe, we prioritize making banking easier for everyone in our community. To learn more about how our services can benefit you or if you have any questions, feel free to call us at 248-735-9500 or visit our website at http://www.vibecu.com . We're excited to help you achieve your financial goals!

Credit Cards and Rewards

Don't forget about our credit cards with rewards! Every time you use your card for purchases, you earn points that can be redeemed for various perks. This is a great way to make your spending work for you!

Loans and Financing

If you're in the market for a vehicle or a new home, our auto loans and mortgage options make financing straightforward and stress-free. You can count on us to provide competitive rates that fit your budget. We also offer personal loans for those unexpected expenses or dreams you've been putting off. Need help consolidating debt? Our debt consolidation loans can simplify your payments into one manageable monthly bill.

Personal Banking

Starting with personal banking, we offer checking and savings accounts tailored to help you manage your everyday finances effortlessly. Imagine having easy access to your money whenever you need it while also earning interest on your savings. With our online and mobile banking features, you can keep track of your accounts from anywhere whether you're at home or on the go.

Digital & Online Banking

Key Features for Your Convenience

We know security is a top concern for our members. That's why we utilize electronic signature authorization to make signing documents safe and straightforward. You can also enjoy e-statements, which provide a quick and eco-friendly way to keep track of your transactions without the clutter of paper. For those who prefer mobile banking on the go, our mobile application allows you to take control of your finances right from your smartphone. You can easily perform tasks like person-to-person transfers perfect for splitting bills or sending money to friends instantly. While we currently do not support mobile payments, our focus remains on providing a secure and user-friendly experience across all other platforms.

Real-Time Account Management

At Vibe, we believe in empowering our members with tools that make managing money easy. With real-time account management features, you'll always know where you stand financially. Our user-friendly interface ensures that whether you're tech-savvy or new to online banking, navigating through our services will be a breeze. Explore the full range of what digital banking has to offer at Vibe by visiting us online at http://www.vibecu.com . Experience financial freedom today!

Financial Strength

Commitment to Member Services

With $83,031,450 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity: with $11,162 in used auto loans and $876,605,273 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts: 174,390, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vibe is your trusted partner. Visit us at 3082 Coolidge Hwy Berkley Mi 48072 or call (248) 735-9500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 224 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings for Members

Members' savings are secured through $276,430,162 in share certificates and $116,861,696 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $156,880,838, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,166 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $176,655,770 in used vehicle loans and $66,686,254 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new car or a reliable used vehicle, we have flexible terms to fit your budget.

Credit Lines and Refinancing Options

In addition to these offerings, we provide credit lines totaling $142,742,798, giving you the flexibility to borrow as needed. If you're considering refinancing an existing loan or are curious about eligibility options for any of our products, our team is here to guide you through the process. We invite you to contact us at 248-735-9500 for more information about our loan products or visit us at Vibe in Berkley. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $89,845,341, make buying or refinancing simple. We offer competitive rates and personalized service to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $30,039,899 in loans helping members manage their finances effectively. Enjoy the convenience of easy access to funds when you need them most.

Loan Aggregator

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Vibe