Vibe Credit Union Novi MI | Convenient ATM Services & Access

Introduction

Welcome to Vibe, your trusted partner in financial wellness, located at 44575 W 12 Mile Rd, Novi, MI 48377. Established in 1953, we have grown alongside our community, proudly serving 76,966 members with a commitment to providing exceptional financial services. With total assets exceeding $1.42 billion, and a strong net worth of $156,880,838, we are dedicated to ensuring that our members' financial needs are met with integrity and care. At Vibe, we believe in empowering our members through accessible loans, savings options, and personalized support. We currently have a robust portfolio with over 44,733 loans and leases valued at more than $876 million, demonstrating our dedication to helping you achieve your goals. Our total deposits stand at an impressive $253,961,422, showcasing the trust our community places in us. Our leadership team is passionate about making a positive impact. Under the guidance of CEO Chaz Rzewnicki and Board President Gaia Piir, Vibe remains committed to fostering relationships within the Novi community. Together with our 240 employees, we strive to create an environment where every member feels valued and supported. While members can visit us at our branch for all their banking needs during our operating hours Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM official correspondence should be sent to the same address as our branch location. If you have any questions or need assistance, feel free to reach out at 248-735-9500. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members. Visit us online at vibecu.com or stop by our branch we look forward to serving you!

Branch History & Mission

Community Commitment

Our commitment goes beyond banking; it's about building relationships and fostering growth within Novi. Whether through partnerships with local businesses or hosting educational workshops, Vibe is dedicated to making a positive impact. As we look toward the future, we invite you to join us on this journey. Experience firsthand how Vibe can help you achieve your financial goals while being part of a caring community. Ready to take the next step? Contact us at 248-735-9500 or visit us during our operating hours: Monday-Thursday from 9 AM - 5:30 PM, and Friday until 6 PM. Join Vibe today where your financial success meets community spirit!

Our Evolution

Throughout the years, Vibe has embraced change while staying true to its core mission: to provide exceptional financial services that empower individuals and strengthen communities. We have continually adapted to the needs of our members by introducing modern banking solutions like online banking and mobile applications. Our focus on accessibility ensures that everyone can manage their finances conveniently and securely. While members can visit us at 44575 W 12 Mile Rd, official correspondence should be sent to 44575 W 12 Mile Rd, Novi, MI 48377-2505 if necessary. Our branch is designed not just for transactions but as a welcoming space where community connections thrive.

Our Mission

Vibe's mission is clear: we aim to enhance the lives of our members through personalized financial solutions and community support. We believe that when individuals succeed financially, the entire community flourishes. That's why we actively engage in outreach programs that benefit local schools, charities, and other organizations. By investing in our community, we create a better future for everyone. We are proud to offer a range of services tailored to meet diverse needs from auto loans and mortgages to savings accounts and investment options. Moreover, we strive for excellence in customer service, ensuring every interaction is meaningful and supportive.

Branch Location & Accessibility

Welcome to Vibe, your friendly neighborhood credit union located at 44575 W 12 Mile Rd in Novi, MI. We're proud to be nestled in the vibrant community of Oakland County, making it easy for our members to access our services right in the heart of town. Whether you're visiting nearby landmarks like the beautiful Pavilion Shore Park or the bustling Twelve Oaks Mall, you can conveniently stop by to meet your banking needs. At Vibe, we prioritize accessibility. Our branch is designed with features that ensure everyone can comfortably access our services, including ADA-compliant entrances and ample parking for all visitors. While we don't have an ATM or drive-thru service available at this location, our team is ready to assist you inside during our operating hours. Our lobby is open Monday through Thursday from 9 AM to 5:30 PM and on Fridays from 9 AM to 6 PM, giving you plenty of time to stop by after work or during your lunch break. If you have questions or need assistance, feel free to give us a call at 248-735-9500. While members can visit us at our physical address for banking services, please note that official correspondence should be sent to the same address: 44575 W 12 Mile Rd, Novi, MI 48377-2505. We invite you to come in and discover all that Vibe has to offer! Our dedicated team is here to help with anything from opening accounts to discussing loan options. We look forward to serving you soon!

Member Eligibility

Becoming a member of Vibe feels like joining a warm and welcoming community where your financial well-being is our priority. If you live, work, or worship in the local area, or if you're related to someone who does, you're likely eligible for membership! We believe that everyone deserves access to friendly service and great financial products, so we make it easy for you to join us. Whether you're looking for loans, savings accounts, or just solid financial advice, our dedicated team is here to support you every step of the way. To learn more about the specific eligibility requirements, please visit our website at . Once you're ready to take the next step, opening an account is straightforward! Just give us a call at (248) 735-9500, and we'll guide you through the process of becoming part of the Vibe family. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without worrying about payment processing. Our merchant services are tailored to ensure smooth transactions, allowing you to focus on what matters most growing your business. From credit card processing to easy online payments, we offer solutions that help streamline operations and enhance customer satisfaction. Located at 44575 W 12 Mile Rd Novi Mi 48377 in Novi, MI, we invite you to visit us or give us a call at (248) 735-9500 to explore how we can support your business journey. Your success is our priority!

Tailored Lending Solutions

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

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Vibe, we understand that many members prefer to manage their finances online. Our robust online banking platform allows you to check balances, transfer funds, and even pay bills from the comfort of your home or on the go. You can also sign up for e-statements to receive your account information electronically no more paper clutter!

Everyday Banking Solutions

For those who need quick access to cash and everyday banking services, we offer ATM Services Only. This means you can conveniently withdraw cash whenever you need it without the hassle of long lines or complicated procedures. Imagine being able to grab cash on the go while managing your day-to-day activities!

Flexible Hours for Your Convenience

We know that life can get busy, which is why our lobby hours are designed with your schedule in mind. We're open Monday through Thursday from 9:00 AM to 5:30 PM and Friday until 6:00 PM. You can visit us during these times for any in-person assistance or consultations.

Join Us Today!

At Vibe, we believe in making banking easy and accessible for everyone in Novi and beyond. Our commitment to member satisfaction drives us to continuously improve and expand our offerings based on your needs. If you're ready to experience a better way of banking, we invite you to reach out or visit us today! Explore all that Vibe has to offer and see how we can help you achieve your financial goals. Visit our website at vibecu.com for more details or give us a call at 248-735-9500. We look forward to serving you!

Personalized Support

Have questions? Need assistance? Our friendly staff is just a phone call away at 248-735-9500. Whether you're unsure about how to set up online banking or have inquiries about our ATM services, we're here to provide personalized support tailored just for you.

Digital & Online Banking

Key Services

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, managing your money is just a few clicks away. Plus, with person-to-person transfers available, sending money to friends or family is quick and hassle-free.

Security and Convenience

Security is our top priority. Our electronic signature authorization feature makes signing documents easy while keeping your information safe. You can also opt for e-statements, which not only help reduce paper clutter but also allow you to access your statements securely online. If you prefer banking on your mobile device, our user-friendly mobile application is here to help. With it, you can manage your accounts right from the palm of your hand. While mobile payments aren't currently available, our team is continuously looking for ways to enhance your banking experience. At Vibe, we aim to make banking accessible and straightforward for all our members. Join us today and discover how our digital services can simplify your financial journey!

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 with you, reinforcing our commitment to providing reliable services and support. 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. With $11,162 in used auto loans and $876,605,273 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $0 reflects our operational efficiency, 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. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 174,390, showing 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 44575 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

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 looking for financing for a new or used vehicle, our flexible terms can help you drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $47,945,213 provide the capital needed to grow and expand. We understand the importance of having reliable funding for your business initiatives, and we're here to support you every step of the way. At Vibe, we're committed to providing accessible financing solutions that suit your lifestyle and financial objectives. Our dedicated team is available to answer any questions you may have about our loan offerings and assist you in finding the right product for your needs. For more information or to discuss your options, please contact us at (248) 735-9500 or visit us at our branch located at 44575 W 12 Mile Rd Novi Mi 48377. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 provide competitive rates and personalized service to guide you through the process. If you're considering refinancing your current mortgage, ask about our eligibility options!

Unsecured Credit Card Loans

Managing finances can be challenging at times. 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. This option allows you to handle unexpected expenses without having to dip into your savings.

Loan Aggregator

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Ensuring Accurate Comparisons

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Vibe