Vibe Credit Union Waterford MI | Affordable Vehicle Loans & Checking

Introduction

Welcome to Vibe, your trusted credit union located at 1220 County Center Dr W, Waterford, MI 48328. Since our establishment in 1953, we've proudly served the community with a commitment to excellence and member satisfaction. With a total membership of 76,966 and assets exceeding $1.4 billion, we are dedicated to providing you with personalized financial solutions tailored to your needs. At Vibe, we understand that managing your finances can be challenging. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Whether you're looking to save for the future or finance your dream car, our team is here to help every step of the way. Under the leadership of our CEO, Chaz Rzewnicki, and Board President, Gaia Piir, we strive to create a supportive environment where members feel valued and empowered. With over 240 employees ready to assist you, we take pride in our community impact and commitment to making a difference. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: 1220 County Center Dr W, Waterford, MI 48328-1904. If you have any questions or need assistance, don't hesitate to reach out at (248) 332-9171. Discover how Vibe can help you achieve your financial goals today! Visit us online at vibecu.com or stop by our branch we're excited to support you on your financial journey!

Branch History & Mission

Community Engagement

Vibe is dedicated to making a difference in Waterford through various partnerships and outreach initiatives. We work closely with local organizations and participate in events that foster community spirit and enhance the quality of life for residents. Whether it's sponsoring local events or providing financial education workshops, our focus remains on creating a positive impact. As you explore what Vibe has to offer, we invite you to join us in this journey toward financial empowerment. Experience firsthand how being part of a credit union can benefit you not just financially but also as an active member of your community. For more information about our services or if you have any questions, please feel free to reach out at 248-332-9171. Join us at Vibe where your financial journey meets community spirit!

Our Journey

Over the years, Vibe has experienced significant milestones that reflect our commitment to serving our members and the community. Our roots run deep in Waterford, where we opened our doors to provide accessible financial services tailored to the needs of local residents. From expanding our loan offerings to enhancing our digital banking options, we have continuously adapted to meet the changing landscape of personal finance. As a member-focused credit union, we've prioritized building strong relationships with our members. Our journey has been marked by innovative products and services designed to empower individuals and families in their financial journeys. Today, we offer a wide range of services including personal banking, auto loans, mortgages, business banking solutions, and more.

Our Mission

At Vibe, our mission is simple yet profound: to enrich lives through exceptional financial services and community support. We believe that everyone deserves access to quality financial resources that help them achieve their goals. This belief drives us to not only provide outstanding banking options but also actively engage in community outreach programs that uplift and support those around us. Our commitment extends beyond traditional banking. We strive for inclusivity by ensuring ADA compliance across all platforms and providing user-friendly digital tools like online banking and mobile applications. We understand that convenience matters in today's fast-paced world, which is why we offer features such as an ATM on-site and drive-thru banking options for easy access.

Branch Location & Accessibility

Getting Here and Parking

Whether you're coming from nearby neighborhoods or just passing through, you'll appreciate our accessible location. We have ample parking available right outside the branch, making it simple to pop in for a quick transaction or a longer visit. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to ensure everyone feels welcome.

Operating Hours

We understand that life can get busy, so we've tailored our hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM and on Fridays from 9 AM to 6 PM. If you're looking for a little extra convenience, our drive-thru service is open Monday through Thursday from 8:30 AM to 5:30 PM and on Fridays until 6 PM. You can quickly handle deposits, withdrawals, and other simple transactions without leaving your vehicle.

Reach Out

If you have any questions or need assistance, don't hesitate to call us at 248-332-9171. Our dedicated team is ready to assist you with any inquiries or services you may need. While members can visit us at 1220 County Center Dr W for all their banking needs, official correspondence should be sent to the same address as well. We invite you to come by Vibe's Waterford - County Campus Branch today! Experience the difference of community-focused banking that puts you first.

Services Offered

At Vibe, we pride ourselves on offering a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you reach your financial goals. Plus, with ATM availability right at our branch, accessing your cash is quick and easy!

Member Eligibility

At Vibe, we believe that everyone deserves to be part of a supportive community where financial growth is encouraged. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area around 1220 County Center Dr W Waterford Mi 48328, you're likely eligible to join us. We also invite family members of current members to come aboard, making it easier for loved ones to enjoy the benefits of our credit union together. Once you're a member, you'll have access to a range of services designed to help you manage your finances effectively and efficiently. To learn more about the specific eligibility criteria, feel free to check out this resource: . When you're ready to take the next step, opening an account with us is straightforward! Just give us a call at (248) 332-9171 or visit our website for more details on how to get started. Join Vibe today and experience the difference that comes with being part of our family!

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 having a payment solution that seamlessly fits into your daily operations. Our merchant services make it easy for you to accept payments from your customers, whether they are shopping online or in-store. By simplifying transactions, we help you focus on what you do best growing your business. Located at 1220 County Center Dr W Waterford Mi 48328 in Waterford, MI, our team is ready to assist you. Whether you're looking for a loan or need robust merchant services, we're here to support your vision and help you thrive! For more information, call us at (248) 332-9171 or visit our website at http://www.vibecu.com .

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs, Vibe provides essential business banking services including merchant services and business loans. We are committed to supporting small businesses in our community, helping them thrive and grow.

Convenient Access

With our ATM availability and drive-thru services, banking is convenient at Vibe. You can easily make deposits, withdrawals, and perform simple transactions without stepping inside the branch during lobby hours. Plus, if you prefer managing everything from home or on-the-go, our online banking system ensures that you have full control over your finances 24/7. At Vibe, we focus on making banking easier for you. Whether it's taking out a loan for a new car or setting up an account for your business, we're here every step of the way. If you're ready to explore these services further or have any questions about how we can assist you, don't hesitate to reach out! Call us at (248) 332-9171 or visit us at 1220 County Center Dr W Waterford Mi 48328 in Waterford, MI. Join us today and experience how we can help you achieve your financial goals!

Credit Cards with Rewards

We also offer credit cards with rewards tailored for our members. Enjoy cash back on purchases while building your credit history it's a win-win situation! Whether you're shopping for daily needs or planning a special trip, our rewards program enhances every dollar spent.

Loans for Every Need

When it comes to financing, we understand that life brings many opportunities. That's why we provide auto loans and vehicle financing to help you get on the road in style. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process smoothly. For those unexpected expenses or consolidating debt, our personal loans are here to assist you without added stress.

Personal Banking

Whether you're looking to open a checking or savings account, Vibe offers various personal banking options that fit your lifestyle. Imagine having easy access to your money anytime you need it our online and mobile banking features make this possible. You can manage your accounts, pay bills, and even transfer funds with just a few taps on your smartphone.

Digital & Online Banking

Key Features

Enjoy the freedom of 24/7 online banking services that allow you to manage your finances without the need to visit a branch. Our user-friendly interface makes it simple to navigate through your accounts. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. For those who prefer going paperless, our e-statements feature ensures you can access your financial statements electronically whenever you need them. This not only helps in keeping your records organized but also contributes to a greener environment.

Mobile Banking Made Easy

Take your banking experience on the go with our mobile application. Whether you're commuting or running errands, you can easily check balances, deposit checks, and even make person-to-person transfers with just a few taps. While mobile payments are not currently available at Vibe, our app ensures that all other essential features are right in your pocket. We prioritize your security. All transactions made through our online platform and mobile app are protected with advanced security measures to keep your information safe. At Vibe, we believe that banking should fit seamlessly into your life. With our comprehensive digital services, you have the power to manage your finances efficiently while enjoying peace of mind. Experience the convenience of modern banking by visiting us at http://www.vibecu.com today!

Financial Strength

Committed Workforce

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 and committed team dedicated to your financial well-being.

Continuous 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 commitment helps us improve the quality of our services while ensuring your investments are safe.

Growing Member Base

Total Share Accounts stand at an impressive 174390, 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 1220 County Center Dr W Waterford Mi 48328 or call 248-332-9171 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.

Lending Capacity

Our lending capacity supports your financial goals across various sectors with $11162 in used auto loans and a total of $876,605,273 in loans and leases available. This means we're ready to help you finance your next vehicle or support other significant purchases whenever you need it.

Member Savings and Investments

Your savings are secure with us! We hold $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.

Operational Efficiency

Our operational efficiency is reflected in our current net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members.

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 net worth ratio of 11.66% 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 make financing simple and accessible, ensuring you can drive away with the vehicle that fits your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $47,945,213 provide the capital needed to grow and expand. We understand the challenges that businesses face and are here to support you every step of the way.

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 flexible terms to help you navigate the home-buying process with ease.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, our team is ready to assist you in exploring your options. We aim to help you save money and improve your financial situation through tailored solutions designed just for you. For more information on our loan offerings or if you have questions about eligibility, feel free to reach out at (248) 332-9171. You can also visit us at our branch located at 1220 County Center Dr W Waterford Mi 48328 in Waterford, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Vibe, we're committed to helping you find the right loan product that meets your needs today and into the future.

Unsecured Credit Card Loans

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 that can enhance your spending experience while providing a safety net when you need it most.

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. Whether you are looking for a new car or refinancing your home, LendMesh offers the insights you need to make informed decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means the information you receive is based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. By working with reputable institutions, LendMesh guarantees that users receive reliable and trustworthy loan options. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, which fosters transparency throughout your comparison process. Additionally, there are no sponsored listings on LendMesh. Unlike other platforms that might prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results so you can make choices based solely on what works best for you. Furthermore, LendMesh provides real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions. This feature helps you stay informed and equipped to secure the best possible terms for your loans. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh can positively impact your financial decisions. If you're ready to find the best loan rates tailored to your needs, compare real-time loan offers today at LendMesh and take a step toward smarter borrowing. 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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