Vibe Credit Union Livonia MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Vibe, your trusted partner in financial wellness right here at our Livonia Branch located at 16825 Middlebelt Rd, Livonia, MI 48154. Since opening our doors in 1953, we've dedicated ourselves to serving our community and providing personalized banking solutions tailored to meet your needs. With a total membership of 76,966 and assets exceeding $1.4 billion, we pride ourselves on the strength and stability that allows us to support you in achieving your financial goals. Our commitment goes beyond just numbers; it's about fostering relationships and building a community where every member feels valued. Under the leadership of CEO Chaz Rzewnicki and Board President Gaia Piir, our team of 240 employees is here to guide you through various services including checking and savings accounts, auto loans, mortgages, and business banking solutions. We understand that navigating finances can be overwhelming, which is why we're dedicated to making it as easy as possible for you. We invite you to explore our offerings or simply stop by for a chat. While members can visit us at our branch address, official correspondence should be sent to the same location: 16825 Middlebelt Rd, Livonia, MI 48154. If you have any questions or need assistance, feel free to give us a call at 248-735-9500. At Vibe, we're more than just a credit union; we're part of your journey towards financial success. Come see how we can help you thrive! Visit us online at www.vibecu.com for more information or to get started today!

Branch History & Mission

Welcome to Vibe, located at 16825 Middlebelt Rd in Livonia, MI. Since our inception in 1953, we have proudly served our community and have grown into a trusted financial partner for over 76,000 members. Our journey began with a simple mission: to provide accessible and reliable financial services while fostering a sense of community among our members. As we reflect on our history, we celebrate the significant milestones that have shaped Vibe into what it is today. Over the decades, we have expanded our services to meet the evolving needs of our members. From personal banking options like checking and savings accounts to various loan products including auto loans and mortgages, we strive to offer comprehensive solutions tailored to individual needs. Today, our total assets stand at an impressive $1,429,523,725, underscoring our stability and commitment to responsible growth. At Vibe, our mission is clear: We aim to empower individuals and families by providing them with the tools they need to achieve their financial goals. This mission extends beyond just numbers; it's about building relationships and supporting our community. Whether it's through educational workshops or community outreach programs, we are dedicated to making a positive impact in Livonia and beyond. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same location: 16825 Middlebelt Rd, Livonia, MI 48154. Our operating hours make it convenient for you to access our services Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday Drive-Thru from 9 AM to 12 PM. We understand that accessibility is key in today's fast-paced world. That's why we offer ATM services for your convenience and provide drive-thru banking for quick transactions. Additionally, you can manage your finances easily with online banking options available through our website at www.vibecu.com. As we look ahead, Vibe remains committed to enhancing digital advancements while ensuring ADA compliance so everyone can access our services comfortably. We are proud of the partnerships we've built within the community and continuously seek new ways to give back. Join us on this journey! Experience firsthand how Vibe can help you reach your financial dreams while becoming part of a vibrant community focused on support and growth. If you're ready to take the next step towards financial empowerment, reach out to us today at 248-735-9500 or visit us online. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Vibe, your friendly credit union located at 16825 Middlebelt Rd in the heart of Livonia, MI! Our branch is easy to find and offers convenient access for all members. Just a stone's throw away from local landmarks, you'll enjoy our welcoming atmosphere while handling your banking needs. At Vibe, we prioritize accessibility. Our branch features ADA-compliant facilities, ensuring everyone can easily navigate our space. Plus, ample parking is available right outside, making your visit hassle-free. If you're on the go, our drive-thru service allows you to complete basic transactions without leaving your vehicle. We know your time is valuable! That's why our operating hours are designed with your schedule in mind: we're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday mornings until noon for drive-thru services. Whether you need to deposit a check or inquire about a loan, we're here when you need us! While members can visit us at 16825 Middlebelt Rd, official correspondence should be sent to the same address. If you have questions or want to learn more about our services like auto loans, personal banking options, or online banking don't hesitate to give us a call at 248-735-9500. We're excited to help you achieve your financial goals! Come visit Vibe today; we look forward to welcoming you!

Member Eligibility

At Vibe, we believe that becoming a member is like joining a close-knit family where your financial well-being is our top priority. To be eligible for membership, you simply need to live, work, worship, or attend school in the communities we serve. It's as easy as that! By joining us at our branch located at 16825 Middlebelt Rd Livonia Mi 48154, you'll gain access to a range of benefits designed to support you on your financial journey whether you're looking for checking and savings accounts, auto loans, or even credit cards with rewards. We're here to help you every step of the way. If you're ready to take the leap and become part of our community, opening an account is straightforward. Feel free to reach out to us at (248) 735-9500 if you have any questions or visit our website for more detailed eligibility criteria at . We can't wait to welcome you into the Vibe family!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services That Matter

But it's not just about loans; we offer merchant services designed to simplify your transactions and enhance customer satisfaction. Whether it's accepting payments online or processing credit cards at your brick-and-mortar store, our services are crafted to meet your needs. Picture this: smooth transactions allowing you to focus on what truly matters growing your business. Located conveniently at 16825 Middlebelt Rd Livonia Mi 48154 in Livonia, MI, our team is ready to partner with you on your journey to success. Contact us today at (248) 735-9500 to learn more about how we can support your business ambitions!

Comprehensive List Of Services

ATM & Drive-Thru Access

Need cash on the go? Our branch offers ATM access for quick withdrawals and balance checks whenever you need them. Additionally, our basic drive-thru banking services allow you to conduct simple transactions like deposits or withdrawals without leaving your car perfect for those busy days when time is tight. At Vibe, we're more than just a credit union; we're a partner in achieving your financial goals. For any questions about our services or how we can assist you further, don't hesitate to call us at (248) 735-9500. We look forward to serving you!

Business Banking Services

For our business members, we offer essential services like merchant services and business loans that can support your growth and operations. Whether you're starting a new venture or expanding an existing one, we have the tools to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why at Vibe, we provide robust online and mobile banking features. You can manage your accounts from anywhere, making it easy to check balances, pay bills, or transfer funds with just a few taps on your smartphone or computer.

Credit Options

Managing debt can be challenging, but we're here to help with our personal loans and debt consolidation services. These options provide relief by simplifying your payments into one manageable loan. Plus, check out our credit cards with rewards that not only offer purchasing power but also allow you to earn points for future purchases.

Personal Banking Solutions

We understand that every member has different financial goals. That's why our personal banking options include checking and savings accounts designed to help you save for what matters most. Need a vehicle? Our auto loans and vehicle financing can get you behind the wheel with flexible terms and competitive rates. If homeownership is on your mind, explore our mortgage loans and refinancing options that can make your dream of owning a home a reality.

Digital & Online Banking

Key Services

With our online banking platform, you can access your accounts 24/7. From checking your balance to making transfers, everything is just a click away. Our user-friendly interface means you can manage your money with ease. Plus, with features like person-to-person transfers, sending money to friends and family has never been simpler. For those who prefer using their smartphones, our mobile application is available for download. You can check balances, view transaction history, and even deposit checks right from your device. It's like having a bank branch in your pocket!

Security and Accessibility

Security is a top priority at Vibe. Our online banking services come equipped with electronic signature authorization to ensure that your transactions are safe and secure. We also offer e-statements, allowing you to keep track of your finances digitally without the clutter of paper statements. Our commitment to accessibility ensures that our members can easily navigate through their accounts anytime they need assistance. If you have questions or need support while using our digital services, our friendly team is just a phone call away at (248) 735-9500. In today's fast-paced world, managing your finances should be easy and stress-free. With the tools provided by Vibe, you're empowered to take control of your financial journey wherever life takes you!

Financial Strength

At Vibe, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to building a strong financial foundation so you can feel confident in your banking choices. 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. 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. 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 is robust; we have $11,162 in used auto loans and $876,605,273 in total loans and leases to support your financial goals across various sectors. Even as we focus on growth, our operational efficiency is reflected in our $0, which enables 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. This ensures that our branches are always ready to serve you with a knowledgeable, committed team. Additionally, our net shares available for lending stand at $0, while the total number of share accounts has reached 174,390. This indicates a strong and growing member base that trusts us with their finances. 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 16825 Middlebelt Rd Livonia Mi 48154 or call (248) 735-9500 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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 flexible terms to ensure you find a loan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $47,945,213 provide the capital needed to grow and expand. We understand that every business has unique needs and are committed to supporting your journey. If you're interested in refinancing any existing loans or exploring eligibility options for any of our products, please don't hesitate to reach out. Our team is here to help guide you through the process and answer any questions. Feel free to contact us at 248-735-9500 or visit us at 16825 Middlebelt Rd Livonia MI 48154 for more information on how we can assist you with our loan offerings. 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 Vibe be your partner in achieving financial success!

Credit Lines and Personal Loans

For those looking for extra flexibility in managing finances, we offer credit lines totaling $142,742,798. This option can help you cover unexpected expenses or fund special projects without the need for a traditional loan. Additionally, our unsecured credit card loans amounting to $30,039,899 provide another avenue for managing everyday spending effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $89,845,341, ensuring you have the support needed for such an important investment.

Loan Aggregator

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