Vibe Credit Union Oxford MI | Affordable Auto Loans & ATM Access

Introduction

Welcome to Vibe, your trusted financial partner located at 968 N Lapeer Rd, Oxford, MI 48371. Established in 1953, our credit union has proudly served the community for over six decades, building a strong foundation based on trust and reliability. With a total membership of 76,966 and assets exceeding $1.42 billion, we are dedicated to providing personalized banking solutions that cater to your unique needs. At Vibe, we understand that financial decisions can be overwhelming. That's why our friendly team is here to assist you every step of the way. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our experienced staff is ready to help you achieve your financial goals. With total deposits amounting to $253,961,422 and a robust net worth of $156,880,838, you can have confidence in our stability and commitment to serving you. Our CEO, Chaz Rzewnicki, along with Board President Gaia Piir, leads a team of 240 dedicated employees who share a passion for making a positive impact in our community. We offer a range of services including personal banking, auto loans, business banking solutions, and online banking options for your convenience. While members can visit us at our branch location, official correspondence should be sent to the same address: 968 N Lapeer Rd, Oxford, MI 48371-3619. If you have any questions or need assistance, feel free to give us a call at 248-628-2928. Come visit us today or explore more about what we offer at www.vibecu.com. Your financial journey starts here at Vibe!

Branch History & Mission

Community Focus

Our commitment to the community is evident through various outreach programs and partnerships with local organizations. We strive to make a positive impact by providing financial literacy resources and sponsoring events that bring people together. Whether it's participating in town festivals or supporting local sports teams, Vibe is here for you. As we look toward the future, we remain dedicated to enhancing our services with ADA compliance initiatives and improving accessibility for all members. With ATM availability at our branch but no drive-thru service, we ensure that your banking experience remains straightforward and efficient. Join us at Vibe! Experience the difference of being part of a credit union that truly values its members and community. Together, let's build a brighter financial future! For inquiries or assistance, don't hesitate to reach out at 248-628-2928 or visit us online at Vibe Credit Union.

Our Journey

Since opening our doors at 968 N Lapeer Rd, we have been dedicated to providing accessible financial services tailored to the needs of our community. Our journey has been marked by key milestones that reflect our commitment to innovation and member satisfaction. As technology evolved, so did we introducing online and mobile banking options that allow our members to manage their finances conveniently. Vibe is not just about banking; it's about building relationships. We understand that each member has unique needs, which is why we offer a range of services including personal and business loans, checking and savings accounts, and credit cards with rewards. Our focus on customer service ensures that every interaction is meaningful and impactful.

Our Mission

At the core of Vibe's mission is a commitment to create financial stability for our members while fostering a sense of community. We believe in empowering individuals through education and support, making financial wellness accessible to everyone. Our mission extends beyond traditional banking we actively participate in local initiatives, supporting schools, charities, and community events. While members can visit us at 968 N Lapeer Rd for all their banking needs, official correspondence should be sent to 968 N Lapeer Rd, Oxford, MI 48371-3619. Our branch operates Monday through Thursday from 9 AM to 5:30 PM and Friday from 8:30 AM to 6 PM.

Branch Location & Accessibility

Welcome to Vibe, your friendly neighborhood credit union located at 968 N Lapeer Rd in Oxford, MI! Our branch is conveniently situated near the heart of the community, making it easy for you to stop by and take care of your banking needs. Whether you're just passing through or a long-time local, we're here to help with a smile. At Vibe, we understand that accessibility matters. Our branch is designed with features that ensure everyone can visit us comfortably. With ample parking available and ADA-compliant ramps, we strive to make your experience as smooth as possible. Our lobby hours are tailored to fit your busy schedule, open Monday through Thursday from 9 AM to 5:30 PM and Friday from 8:30 AM to 6 PM. If you need cash on-the-go, you'll be pleased to know we offer convenient ATM access right at our location. While we don't have drive-thru services, our friendly staff is always ready to assist you inside. If you need to send any official correspondence, please note that while you can visit us at our branch address, all mail should be directed to our mailing address at 968 N Lapeer Rd, Oxford, MI 48371-3619. At Vibe, we offer a range of services designed for both personal and business banking. From checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. Our team is dedicated to providing personalized service that makes banking not just easier but also enjoyable. Feel free to reach out to us at 248-628-2928 if you have any questions or need assistance before your visit. We can't wait to welcome you into our community-focused branch!

Member Eligibility

At Vibe, we believe that becoming a member is like joining a close-knit family where everyone supports each other's financial dreams. If you live, work, worship, or attend school in the Oxford area, you're likely eligible to join us! We welcome individuals from all walks of life, and our membership criteria are designed to include as many people as possible. You can check out the specific eligibility details on our website at for the most current information. Joining Vibe opens up a world of advantages, such as personalized banking solutions, competitive loan rates, and community-focused services tailored just for you. The process of opening an account is straightforward and welcoming; you can find more about how to get started by visiting . If you have any questions or need assistance, feel free to give us a call at (248) 628-2928. We're here to help you every step of the way!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine running your operations without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From easy credit card processing to online payment options, we provide tools that make managing finances easier. Located at 968 N Lapeer Rd Oxford Mi 48371, Oxford, MI 48371, we invite you to visit us or call (248) 628-2928 to discover how we can partner in your success!

Comprehensive List Of Services

Convenient Access to Cash

Need cash in a pinch? Our ATM services ensure that you can access your funds whenever necessary. With basic ATM access available for withdrawals and balance checks, getting cash is straightforward and convenient. At Vibe, we're committed to meeting the needs of our members through exceptional service and innovative solutions. If you're ready to explore how our offerings can benefit you, don't hesitate to reach out! Call us at 248-628-2928 or visit our website at vibecu.com for more information on how we can support your financial journey today!

Financing Your Dreams

Thinking about buying a car? Our auto loans and vehicle financing options make it simple to drive away in your new ride. With competitive rates and flexible terms, getting behind the wheel has never been easier. If you're considering homeownership or refinancing an existing mortgage, our mortgage loans provide the support you need. We guide you through the process so that purchasing or refinancing your home feels achievable.

Personal Banking Made Easy

For those seeking to streamline their personal finances, Vibe offers various checking and savings accounts tailored to fit your lifestyle. Imagine easily managing your expenses and saving for that dream vacation with just a few clicks online or through our mobile app. Our online and mobile banking services let you access your accounts anytime, anywhere. You can quickly check balances, pay bills, and even transfer funds between accounts without any hassle.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way. Whether it's consolidating debt or covering emergency costs, our personal loans offer quick solutions when you need them most. Plus, with credit cards that come with rewards, you can earn points while making everyday purchases turning spending into savings!

Support for Local Businesses

We understand that small businesses are the backbone of our community. That's why we offer business banking services, including merchant services and business loans designed to help entrepreneurs thrive. With Vibe by your side, managing business finances becomes less daunting.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service gives you 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also take advantage of electronic statements, ensuring you receive your financial information quickly and securely no more waiting for the mail! Plus, with the option for electronic signature authorization, handling documents has never been easier. For those on the go, our mobile application brings all these features right to your fingertips. You can make person-to-person transfers effortlessly, helping you send money to friends or family in real-time. Although we currently do not offer mobile payments, rest assured that all other features remain user-friendly and accessible.

Security and Ease of Use

Your safety is our top priority. Our online banking system employs robust security measures to protect your personal information while making sure that managing your finances remains as straightforward as possible. Whether you're using a computer or a smartphone, navigating through our services feels intuitive. In summary, whether you're at home or out and about, Vibe provides a reliable way to stay on top of your finances with ease. Experience the power of digital banking by visiting us online today at http://www.vibecu.com . We're here to help you every step of the way!

Financial Strength

A Growing Community

We have a strong member base with 174,390 total share accounts, showing that more people trust us with their finances. Our net shares (funds available for lending and investments) stand at $0, which further reinforces our commitment to serving you well.

Conclusion

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 968 N Lapeer Rd Oxford Mi 48371 or call (248) 628-2928 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

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. Additionally, our lending capacity supports your financial goals across various sectors with $11,162 in used auto loans and $876,605,273 in total loans and leases. Our operational efficiency is evident 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.

Member Savings Are Secure

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 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 commitment to stability is reflected in our net worth ratio of $1,166, which demonstrates a solid capital foundation. This means 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. We have already issued over $66,686,254 in new vehicle loans and $176,655,770 in used vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, we have financing solutions that fit your budget.

Business Loans

For business owners looking to expand, our outstanding commercial loans totaling $47,945,213 provide the capital needed for growth. We support local businesses by offering tailored solutions that align with their operational needs. At Vibe, we believe in making financial services accessible and straightforward. If you're interested in learning more about any of our loan products or want assistance with refinancing options, don't hesitate to give us a call at 248-628-2928. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Vibe can support your financial journey today!

Credit Card Loans

Managing everyday expenses can be easier with our flexible credit card loans. We offer unsecured credit card loans with a total of $30,039,899 available to help members manage their finances effectively. You can enjoy competitive rates and terms that suit your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $89,845,341, we can assist you in navigating the home buying process smoothly. Our knowledgeable team is here to guide you through eligibility options and refinancing plans if needed.

Loan Aggregator

Benefits of Using LendMesh

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VIBE CREDIT UNION