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

Introduction

Welcome to Vibe, your trusted financial partner located at 44777 W 12 Mile Rd, Novi, MI 48377. Established in 1953, Vibe has been a cornerstone of the community, dedicated to providing exceptional financial services to our 76,966 members. We understand that every member's needs are unique, and our commitment to personalized service sets us apart. At Vibe, we take pride in our substantial growth and stability. With total assets amounting to an impressive $1,429,523,725 and total deposits reaching $253,961,422, our financial health reflects our dedication to safeguarding your money while helping you achieve your goals. We offer a range of services from personal banking options like checking and savings accounts to vehicle financing and mortgages all designed with you in mind. While members can visit us at our branch location for face-to-face interactions, official correspondence should be directed to the same address: 44777 W 12 Mile Rd, Novi, MI 48377-2509. Our friendly staff is always ready to assist you with any inquiries or support you may need. Under the leadership of CEO Chaz Rzewnicki and Board President Gaia Piir, Vibe remains committed to fostering financial literacy and community engagement. With a team of 240 dedicated employees, we are here not just as a credit union but as a partner in your financial journey. Explore how we can help you by visiting our website at Vibe Credit Union or give us a call at 248-735-9500. Let's work together towards a brighter financial future!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking. We actively engage in community outreach programs that promote financial literacy and support local initiatives. By partnering with schools and organizations in Novi, we strive to make a positive impact where it matters most. While you can visit us at 44777 W 12 Mile Rd, official correspondence should be sent to 44777 W 12 Mile Rd, Novi, MI 48377-2509 if necessary.

Convenient Services

We understand that convenience is key for our members. That's why we offer ATM availability and a drive-thru service for easy access to your funds. Our operating hours are designed to fit your busy schedule: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM for lobby services. As we continue to grow and adapt in this ever-changing world, we remain focused on offering customer-centric initiatives like online banking and mobile applications that enhance your banking experience. Join us at Vibe today! Experience firsthand the benefits of being part of a credit union that truly cares about its members and community. For more information or assistance, feel free to call us at 248-735-9500 or visit our website at www.vibecu.com. Together, let's build a brighter financial future!

Our Legacy

From humble beginnings, Vibe has evolved into a trusted financial partner for many families and businesses in Novi and beyond. We take pride in our rich history of providing personalized banking services tailored to the unique needs of our members. Over the years, we've introduced various services like checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Each step of our journey has been guided by a simple yet powerful belief: that everyone deserves access to quality financial services.

Our Mission

At Vibe, our mission is clear: we aim to empower individuals and families through innovative financial solutions while fostering a strong sense of community. We are not just about transactions; we're about building relationships. Our team works tirelessly to ensure that every member feels valued and supported. Whether you're seeking assistance with personal loans or looking for business banking options, we're here to help you navigate your financial journey.

Branch Location & Accessibility

Accessibility Features

Our branch is equipped with accessibility features to ensure everyone can bank comfortably. Whether you need a ramp or ADA-compliant facilities, we've got you covered. Plus, parking is ample and right outside our doors, making your visit hassle-free.

Operating Hours

We're here for you during convenient hours: 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're on the go, take advantage of our drive-thru services available Monday through Thursday from 8:30 AM to 5:30 PM and Friday until 6 PM.

Services Offered

At Vibe, we offer a wide range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got something for everyone. Our ATM is available for quick cash withdrawals and balance checks anytime you need it. While members can visit us at 44777 W 12 Mile Rd Novi Mi 48377, official correspondence should be sent to our mailing address at 44777 W 12 Mile Rd, Novi, MI 48377-2509. If you're ready to experience personalized service with a smile, feel free to give us a call at (248) 735-9500 or stop by! We can't wait to help you achieve your financial goals here at Vibe!

Member Eligibility

At Vibe, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you're looking to be part of our community, you'll be glad to know that membership is open to anyone who lives, works, or worships in the Novi area. You can also qualify if you have a family member who is already part of our credit union. This means that whether you're just starting out or looking for better financial solutions, there's a place for you here! We offer a range of services designed to help you manage your finances effectively and reach your goals. Getting started is easy! All you need to do is visit us at our branch located at 44777 W 12 Mile Rd Novi Mi 48377, and our friendly staff will guide you through the account opening process. For any questions, feel free to give us a call at (248) 735-9500. To learn more about eligibility requirements and the wonderful benefits of being a member, check out our detailed information at . We can't wait to welcome you into the Vibe family!

Business Banking & Commercial Services

Commercial Loans That Empower 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 Simplify Transactions

Imagine running your daily operations without worrying about payment processing. Our merchant services make it easy for you to accept payments from customers seamlessly, whether in-store or online. This means more time focusing on what you do best growing your business. Whether you're looking to expand your operations or streamline your payment processes, Vibe is dedicated to helping you achieve your goals. Connect with us today at [(248) 735-9500](tel:(248) 735-9500) and discover how we can support your business journey!

Comprehensive List Of Services

Convenient Access to Funds

We understand that sometimes you need quick access to cash. That's why we provide ATM and cash withdrawal services at our branch and through a network of ATMs. With basic drive-thru banking available for deposits, withdrawals, and simple transactions, handling your banking needs is straightforward and convenient.

Credit Cards and Business Banking

Our credit cards with rewards make spending more rewarding. Whether it's cash back on groceries or points for travel, there's something for everyone. If you're a business owner, Vibe has got you covered too! We offer specialized services like merchant services and business loans to help your venture thrive.

Loans for Every Need

For those considering a new vehicle or needing funds for unexpected expenses, our auto loans and vehicle financing options are designed with competitive rates to help you drive away in your dream car. If you're thinking about buying a home or refinancing an existing mortgage, we provide tailored mortgage loans that fit your budget. Our personal loans also offer flexible terms for debt consolidation or personal projects, ensuring you have access to the cash you need when you need it.

Member-Centric Technology

With Vibe's commitment to technology, you can enjoy robust digital banking features like person-to-person payments. This allows you to send money easily to friends or family without any hassle. Plus, our secure online platform ensures peace of mind while managing your finances. If you're ready to explore what Vibe has to offer or if you have questions about specific services, don't hesitate to reach out! Call us at 248-735-9500 or visit us today at our Novi location. Join us in making your financial dreams a reality!

Personal Banking

Whether you're looking to open a checking or savings account, Vibe offers comprehensive personal banking solutions. Our accounts come with features that make managing your finances easier than ever. Imagine having your funds available at your fingertips through our online and mobile banking platforms. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go.

Digital & Online Banking

Key Features of Our Digital Banking Services

Whether you're on the go or relaxing at home, our 24/7 online banking services allow you to keep track of your accounts in real-time. You can view balances, transfer money, and pay bills all from the palm of your hand. If you prefer using a mobile app, you'll be glad to know that we have a dedicated mobile application available for download, offering all the functionalities you need right at your fingertips. For those moments when you need to send money quickly to friends or family, our person-to-person transfer feature makes it simple. Just a few taps and you can send funds directly without any hassle.

Security and Ease of Use

Security is our top priority. We offer electronic signature authorization for added protection when signing documents online. Plus, with e-statements available, you can keep your financial records organized and secure without the clutter of paper statements. While mobile payments aren't currently part of our offerings, rest assured that our focus remains on providing safe and efficient banking solutions tailored to your needs. At Vibe, we aim to make banking straightforward and worry-free. Experience the ease of managing your finances with us today!

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 proud to share our financial strength, which reflects our commitment to serving you and supporting your financial goals. 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. Our dedication to reinvesting in our community is evident with $83,031,450 in undivided earnings. This allows us to enhance banking tools, strengthen lending options, and implement better security measures for all members. With $11,162 in used auto loans and $876,605,273 in total loans and leases, our lending capacity supports your financial goals across various sectors. While our current net income is $0, this reflects our operational efficiency as we continue to offer competitive loan rates and solid financial products tailored for you. We take pride in having 224 full-time employees and 16 part-time employees dedicated to serving you with knowledge and commitment. Our net shares stand at $0, which indicates the funds available for lending and investments. In addition, we have a strong member base with 174,390 total share accounts showing the trust that our members place in us. 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 44777 W 12 Mile Rd Novi Mi 48377 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

Additional Options

In addition to these offerings, we encourage our members to explore refinancing options if they're looking for better rates on existing loans. Refinancing can often lead to lower monthly payments and reduced interest costs over time. At Vibe, we're committed to providing transparent information and support as you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you have questions about any of our loan products or want to get started, don't hesitate to reach out! You can contact us at (248) 735-9500 or visit us at our branch located at 44777 W 12 Mile Rd Novi Mi 48377 in Novi, MI. We're here to help you succeed financially!

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 interested in financing a new model or a reliable used vehicle, our team is here to assist you every step of the way.

Business Loans

For business owners, our outstanding commercial loans totaling $47,945,213 provide the capital needed to grow and expand. We know how essential funding is for businesses at any stage, and our dedicated team is ready to support your entrepreneurial journey.

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, which can help you secure the home you've always wanted. Our mortgage specialists will guide you through the process and help you find a plan that fits your budget.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $30,039,899 in loans helping members manage their finances effectively. These cards can be an excellent option for those looking to build credit or cover unexpected expenses without collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to empower users with clear and accurate information, making it easier for them to choose the right loan for their needs. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to compliance guarantees that users receive fair and transparent offers. One of the key advantages of using LendMesh is its focus on Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature Sponsored Listings; lenders are not prioritized based on paid promotions. This means users can trust that they are viewing unbiased results tailored to their specific circumstances. The platform provides Real-Time Rate Comparisons, offering up-to-date loan rates from multiple institutions. This feature helps users make informed decisions quickly and efficiently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for reliable loan options without the hassle of sifting through countless offers, look no further than LendMesh. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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