Vibe Credit Union Ferndale MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Vibe, your trusted financial partner located at 214 W 9 Mile Rd, Ferndale, MI 48220. Established in 1953, we have proudly served our community for decades, fostering a welcoming environment where members can thrive financially. With a robust membership of 76,966, our commitment to providing exceptional service is at the heart of everything we do. At Vibe, we believe in empowering our members with the tools and resources they need to achieve their financial goals. Our total assets stand at an impressive $1,429,523,725, reflecting our dedication to stability and growth. We manage over $253,961,422 in deposits and have issued 44,733 loans and leases, demonstrating our active role in supporting your dreams whether it's buying a new car or refinancing your home. Under the leadership of CEO Chaz Rzewnicki and Board President Gaia Piir, we strive to foster trust and transparency within our credit union. Our dedicated team of 240 employees is here to assist you with a variety of services including personal banking, auto loans, mortgages, and business banking solutions. While members can visit us at our branch for face-to-face assistance during convenient hours from Monday to Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM you can also explore our services online at www.vibecu.com. For any inquiries or support, feel free to reach out by calling us at 248-735-9500. Join us at Vibe today and experience a credit union that truly cares about your financial well-being!

Branch History & Mission

At Vibe, we proudly reflect on our rich history and deep-rooted commitment to the community in Ferndale, MI. Established in 1953, our branch has grown alongside the vibrant city of Ferndale, serving as a trusted financial partner for nearly seven decades. Located at 214 W 9 Mile Rd, we are easily accessible to all members and visitors. Our branch is not just a place for banking; it's a community hub where relationships flourish and dreams take shape. Over the years, Vibe has evolved significantly. We have expanded our services and embraced modern technology to better serve our growing membership base of over 76,000 individuals. With total assets exceeding $1.4 billion, we provide a wide range of financial products including personal banking, auto loans, mortgage loans, and business banking services. Our mission is clear: to empower our members with the financial tools they need while fostering a strong sense of community support. While members can visit us at 214 W 9 Mile Rd, official correspondence should be sent to the same address for clarity. Our dedicated team works tirelessly from Monday to Friday between 10 AM and 6 PM, and on Saturdays from 10 AM to 2 PM. We also offer convenient ATM access for those who prefer quick transactions. Vibe takes pride in being ADA compliant and continuously seeks out ways to improve accessibility and customer experience. We are committed to digital advancements that make banking easier for everyone offering online banking, mobile applications, and electronic statements. Our mission extends beyond just financial services; we strive to uplift the communities we serve through various outreach initiatives and partnerships with local organizations. By investing in our neighborhoods and supporting local causes, we aim to make a lasting impact. Join us at Vibe! Experience firsthand how we blend financial expertise with heartfelt community support. Whether you're looking for a new account or seeking guidance on your financial journey, we invite you to be part of our family at Vibe a place where your aspirations come first. For any inquiries or assistance, feel free to reach out at 248-735-9500. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Vibe, we understand the importance of accessibility. Our branch is designed to be welcoming for everyone, featuring ADA-compliant entrances and ramps for those who need them. Whether you're coming in for a quick transaction or sitting down with one of our representatives for personalized service, we strive to make your experience comfortable.

Call or Visit Us Today!

If you have questions or need assistance before your visit, don't hesitate to give us a call at 248-735-9500. Our friendly team is eager to assist you with any banking needs you may have. Come see us at the Vibe Ferndale Branch today we can't wait to meet you!

Convenient Location

Nestled in the heart of Ferndale, our branch is close to several local landmarks, making it easy to incorporate a visit into your daily routine. We're near popular spots like the Ferndale Public Library and the bustling downtown area, where you'll find plenty of shopping and dining options. Plus, with ample parking available right at our location, you won't have to worry about finding a spot when you arrive.

Operating Hours and Services

Our doors are open Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM, making it easy for you to plan a visit that fits your schedule. When you come in, you'll find a variety of services tailored just for you ranging from checking and savings accounts to auto loans and mortgage refinancing. Additionally, we offer ATM access for quick withdrawals and balance checks anytime you need it.

Member Eligibility

Becoming a member of Vibe feels like joining a close-knit family that genuinely cares about your financial well-being. If you're looking to take part in our community, eligibility is quite straightforward. Whether you live, work, worship, or go to school in the area around 214 W 9 Mile Rd Ferndale Mi 48220, you're likely eligible to join us. We welcome individuals who share our values and commitment to helping each other thrive financially. Membership comes with fantastic benefits, including personalized service, competitive loan rates, and access to a variety of financial products tailored just for you. Ready to open an account? It's easy! You can find all the details you need on how to start this exciting journey at . If you have any questions or need assistance along the way, feel free to give us a call at (248) 735-9500. For more information about eligibility criteria, check out our detailed guide at . Join us today and experience the supportive environment at Vibe!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services provide reliable solutions that allow you to focus on what you do best serving your customers. From accepting credit card payments to managing transactions efficiently, we equip you with the tools necessary to thrive in a competitive market. Located at 214 W 9 Mile Rd Ferndale Mi 48220 in Ferndale, MI, our dedicated team is ready to partner with you. Call us at (248) 735-9500 or visit us today to explore how we can help your business flourish!

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 Services

For small business owners, we provide robust Business Banking solutions including Merchant Services & Business Loans. Whether you need financing to grow your business or reliable payment processing systems, we're here to support your entrepreneurial journey.

Connect With Us

Our friendly staff is ready to help with any questions or concerns you may have about our services. You can reach us at (248) 735-9500 during our operating hours: Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM. Explore all that Vibe has to offer by visiting us online at http://www.vibecu.com or stop by for a visit! We're excited to partner with you on your financial journey and provide the tools and resources needed for success.

Credit Options

Who doesn't love rewards? With our Credit Cards with Rewards, every purchase can earn you points towards travel, cash back, or other exciting benefits. It's not just about spending; it's about getting something back for it!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Ferndale Branch, we offer comprehensive Online & Mobile Banking services. Check balances, transfer funds, and pay bills from anywhere at any time all from the comfort of your smartphone or computer. Plus, enjoy easy access through our ATMs for cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Navigating personal finance can sometimes feel overwhelming, but with our Personal Banking services, you'll find it easier than ever. We offer both Checking & Savings Accounts designed to help you manage your day-to-day expenses while saving for future goals. Whether you're looking for a no-fee checking account or a high-yield savings option, we've got you covered. If you're considering buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options come with competitive rates and flexible terms. Picture yourself driving off in that dream car our dedicated team will work with you to make it happen. For those planning to buy a home, our Mortgage Loans & Refinancing services provide various options to fit your unique situation. Imagine unlocking the door to your new home while enjoying peace of mind from having an affordable mortgage plan. In times of unexpected expenses or when consolidating debt, our Personal Loans & Debt Consolidation offerings can ease financial stress. Our team is ready to assist you in finding the right loan solution that suits your budget.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills at your convenience. Plus, our user-friendly mobile application makes it even simpler to manage your finances on the go. Whether you're at home or out running errands, you'll have everything you need right at your fingertips. We also support secure person-to-person transfers, so sending money to friends or family is quick and hassle-free. And with electronic signature authorization available, signing documents has never been easier or safer. You can complete transactions without needing to visit a branch, saving you time and effort.

Security and Accessibility

Security is a top priority for us. We use advanced technology to protect your personal information while ensuring that accessing your accounts is straightforward. Additionally, e-statements are available, which not only help reduce paper waste but also give you easy access to your financial statements whenever you need them. At Vibe, we believe that banking should be as easy as possible. Our digital services are designed with you in mind, providing the tools necessary for real-time account management while keeping your information safe. Explore the full range of our offerings today by visiting http://www.vibecu.com !

Financial Strength

Commitment to Service

Our efficiency is reflected in 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.

Growing Together

Total Share and Deposit Accounts: 174,390, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further highlight our dedication to supporting your financial aspirations. 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 214 W 9 Mile Rd Ferndale Mi 48220 or call (248) 735-9500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvesting for Your Benefit

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 lending capacity supports your financial goals with $11,162 in used auto loans and $876,605,273 in total loans and leases.

Strong Financial Foundation

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. We provide financing options for both new and used vehicles to fit your budget and needs.

Commercial Loans

For business owners, our outstanding commercial loans totaling $47,945,213 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to upgrade your existing business assets, we have the resources to support your ambitions. At Vibe, we prioritize our members' success and strive to provide tailored solutions that meet diverse financial needs. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out at 248-735-9500. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or check out our website at http://www.vibecu.com for more information on how we can assist you!

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're here to guide you through the process and help you secure the best possible terms for your situation.

Unsecured Credit Card Loans

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. These cards come with various benefits that can help you maintain control over your spending while enjoying rewards for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous approach guarantees fair and transparent offers for every user. With LendMesh, you can trust that you are looking at legitimate rates from reputable lenders.

Vibe