Vibe Credit Union Waterford MI | Quick Personal Loans & ATM Services

Introduction

Welcome to Vibe, your trusted credit union located at 6655 Highland Rd, Waterford, MI 48327. Since our establishment in 1953, we have proudly served our community with a commitment to providing personalized financial solutions. With over 76,966 members and a robust asset base of $1,429,523,725, we are dedicated to fostering financial well-being for individuals and families alike. At Vibe, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans, mortgages, personal loans, and even business banking solutions. Our total loans amount to 44,733, ensuring that we can support you in achieving your financial goals. Our leadership team is here to guide you every step of the way. Led by CEO Chaz Rzewnicki and Board President Gaia Piir, Vibe is committed to maintaining strong relationships with our members while upholding the highest standards of service. We believe in transparency and community involvement, which is reflected in our net worth of $156,880,838 and total deposits reaching $253,961,422. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address: 6655 Highland Rd, Waterford, MI 48327. Whether you prefer visiting us in person or connecting through our website at vibecu.com, we're always here for you. We invite you to explore how Vibe can make a positive impact on your financial future. Feel free to call us at 248-383-4990 or stop by during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to the heart of our community at Vibe, where we have proudly served Waterford, MI, since 1953. From our humble beginnings, we have grown into a thriving credit union with a strong legacy of supporting our members and fostering financial wellness. Located at 6655 Highland Rd, our branch is easily accessible and surrounded by local landmarks that reflect the vibrant spirit of Waterford. Over the years, Vibe has evolved significantly while staying true to our mission: to empower individuals and families through personalized financial services and community support. With over 76,000 members and assets totaling $1,429,523,725, we are dedicated to providing comprehensive banking solutions that include checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking services. Our journey has been marked by key milestones that illustrate our commitment to innovation and member satisfaction. We've embraced technology by offering online banking and mobile applications that make managing finances easier than ever. Additionally, we ensure accessibility for all by complying with ADA standards in our facilities. At Vibe, we believe in giving back to the community. Our outreach initiatives focus on building partnerships with local organizations to enhance financial literacy and provide support to those in need. We understand that the success of our members contributes to the overall well-being of Waterford. While members can visit us at our branch location on Highland Road for all their banking needs including access to our ATM and drive-thru services they can also reach out via phone at 248-383-4990 for any inquiries or assistance. If you need to send official correspondence, please use our mailing address: 6655 Highland Rd, Waterford, MI 48327. As we look towards the future, Vibe remains committed to nurturing a strong financial foundation for every member of our community. Join us today and experience firsthand how we can support your journey toward financial success! Together, let's build a brighter tomorrow.

Branch Location & Accessibility

Convenient Access and Amenities

We understand how important accessibility is for our members. Our branch features ample parking spaces and ADA-compliant ramps, ensuring that everyone can access our services comfortably. If you prefer to bank on-the-go, we also offer a drive-thru service that makes it easy to handle your transactions without leaving your car.

Operating Hours Tailored for You

At Vibe, we value your time. Our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. Need to visit us on Saturday? We're here from 9 AM to noon! For those utilizing our drive-thru service, it operates Monday through Thursday from 8:30 AM to 5:30 PM and until 6 PM on Fridays.

Services Designed with You in Mind

While visiting us, you'll find a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans, mortgage options, and even credit cards with rewards our goal is to support your financial journey every step of the way. Plus, with ATM availability right at our location, accessing cash has never been easier. If you have any questions or need assistance, feel free to give us a call at 248-383-4990. We invite you to visit us soon and experience the difference at Vibe!

Member Eligibility

At Vibe, we believe that everyone deserves a place in our supportive community. Joining us is simple! If you live, work, or attend school in the area around 6655 Highland Rd Waterford Mi 48327, you're likely eligible for membership. We welcome individuals from all walks of life, making it easy for you to access the financial services that matter most to you. Becoming a member means you'll enjoy a range of benefits, including competitive rates on loans and savings accounts, personalized service, and a sense of belonging. To learn more about the eligibility requirements or to check if you qualify, please visit our website at . When you're ready to take the next step, opening an account is straightforward just give us a call at (248) 383-4990 or stop by our branch. We're excited to help you start your journey with us!

Business Banking & Commercial Services

At Vibe, we understand that running a business is no small feat. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. 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. Our merchant services are designed to simplify your operations. Imagine a busy day at your store: customers are lined up, and you need quick payment processing. With our easy-to-use merchant solutions, you can accept payments seamlessly, allowing you to focus on what really matters serving your customers. Located at 6655 Highland Rd Waterford Mi 48327, Waterford, MI, we are here to provide personalized banking solutions that help your business thrive. Contact us today at (248) 383-4990 to learn more about how we can support your business goals!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we provide essential banking solutions like merchant services and business loans. These tools help you manage finances efficiently and grow your venture without stress.

Credit Cards & Rewards

Looking to earn rewards while you spend? Our credit cards with rewards are designed for everyday purchases, giving you benefits that add up over time.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. Check balances, transfer funds, or pay bills from anywhere at any time. You can also enjoy easy access to cash with our ATM services for withdrawals and balance checks.

Drive-Thru & Basic Services

For those who prefer face-to-face interaction but want quick service, our drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your vehicle. We also provide basic ATM access for when you're on the go. At Vibe, we aim to make banking as straightforward as possible while ensuring you have the tools you need at your fingertips. If you have questions or need assistance with any of our services, don't hesitate to reach out at 248-383-4990. We invite you to visit us at our Waterford branch or check out our website at http://www.vibecu.com to learn more about how we can assist you today!

Personal Banking Services

Whether you're opening your first checking account or looking for a reliable savings option, our personal banking services have you covered. With checking and savings accounts that fit various lifestyles, you can manage your money easily. Planning to buy a new car? Our auto loans and vehicle financing options make it simple to drive away in the vehicle you love. If homeownership is on your mind, our mortgage loans and refinancing services can guide you through securing the right loan for your dream home. We also offer personal loans and debt consolidation, which can help you simplify payments and manage expenses more effectively.

Digital & Online Banking

In today's fast-paced world, managing your finances should be as easy as a few taps on your smartphone. At Vibe, we understand the importance of convenience and security in banking. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our 24/7 Online Banking Services, you can access your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer funds, everything is just a click away at http://www.vibecu.com . And if you're on the go, our Mobile Application provides a user-friendly experience that puts banking right in your pocket. One of the standout features is our ability to facilitate Person-to-Person Transfers. Sending money to friends or family has never been easier; just enter their details, and you're set! Plus, our Electronic Signature Authorization allows you to sign documents digitally, making processes quicker and more efficient. For those who prefer going paperless, we provide E-Statements, allowing you to view and download your financial statements online securely. Not only does this help reduce clutter, but it also gives you quick access to your account history whenever you need it. While we currently do not support Mobile Payments, we are committed to enhancing our services based on member feedback. Rest assured that we prioritize safety and ensure all transactions are protected with advanced security measures. At Vibe, we're dedicated to making your banking experience smooth and accessible. Join us in embracing a more modern way to manage your finances today!

Financial Strength

Committed Team

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 dedicated to your success.

Focused on Member Benefits

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 serving our community means more options for you.

Growing Member Base

Total Share and Deposit Accounts: 174,390, showing a strong and growing member base that trusts us with their finances. Your trust is what fuels our growth and commitment to excellence. 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 6655 Highland Rd Waterford Mi 48327 or call (248) 383-4990 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $11,162 in used auto loans and $876,605,273 in total loans and leases. We understand the importance of having access to funds when you need them most.

Members' 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. This commitment to safeguarding your funds is at the heart of our operations.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. A well-managed credit union means peace of mind for you as a member.

Reinvestment for Improvement

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. This allows us to continuously improve your banking experience while ensuring your money works harder for you.

Strong 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 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 are committed to supporting your journey. We provide financing options that cater to both new and used vehicles, making it easier for you to drive away in a car that fits your lifestyle.

Credit Lines and Business Loans

For those looking to expand their business ventures or need extra cash flow flexibility, our credit lines totaling $142,742,798 can provide the support necessary to keep operations running smoothly. Additionally, for business owners, our outstanding commercial loans totaling $47,945,213 offer capital needed for growth and expansion. We pride ourselves on being accessible and understanding the unique financial needs of our community. Refinancing options are available across many of our loan products to help you save money or adjust payments as needed. If you have questions about eligibility or would like assistance with your application process, don't hesitate to reach out! You can contact us at (248) 383-4990 during business hours or visit us at our branch. 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 navigating life's financial journeys!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $89,845,341, making buying or refinancing simple. We work closely with you to navigate the mortgage process and find the best terms for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial for maintaining financial stability. 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. Our credit cards come with rewards and benefits designed to enhance your purchasing power while keeping costs manageable.

Loan Aggregator

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 ), ensuring fair and transparent offers. This commitment to accuracy means users can trust that the information they receive reflects current market conditions.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This guarantees that users are comparing valid options tailored to their needs. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach allows users to see all available options without being influenced by advertising. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and easily. 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!"

Take Action Today

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.

Vibe