Vibe Credit Union West Bloomfield MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Vibe, your trusted financial partner located at 7800 Pontiac Trl, West Bloomfield, MI 48323. Since our establishment in 1953, we have been dedicated to providing exceptional banking services tailored to meet the needs of our community. With a proud membership of 76,966, we focus on building lasting relationships and empowering our members with the tools they need to achieve their financial goals. At Vibe, we understand that finances can be complex, which is why we strive to make banking straightforward and accessible. Our total assets stand strong at an impressive $1,429,523,725, reflecting our commitment to the well-being of our members. We also manage over $253,961,422 in deposits and have facilitated a remarkable 44,733 loans and leases, proving that we are not just about numbers; we're about people. Our leadership team, including CEO Chaz Rzewnicki and Board President Gaia Piir, is devoted to fostering a supportive and engaged environment for all members. With a dedicated workforce of 240 employees, we aim to provide personalized service that makes every visit or call feel like home. While you can visit us at our branch for all your banking needs from personal banking and auto loans to business services official correspondence can be directed to our mailing address at the same location: 7800 Pontiac Trl, West Bloomfield, MI 48323. Ready to take control of your finances? Give us a call at 248-560-3076 or explore our services online at www.vibecu.com. Experience the Vibe difference today!

Branch History & Mission

Community Commitment

We are committed to making a difference in the communities we serve. Our partnerships with local organizations reflect this dedication as we work together to enhance the quality of life for residents throughout West Bloomfield and beyond. From hosting financial workshops to participating in community events, Vibe is more than just a credit union; we are your neighbors invested in your success. As technology evolves, so do we. With features like online banking and mobile applications available for convenient access to your accounts anytime and anywhere, we ensure that banking with us fits seamlessly into your busy lifestyle. Our ATM services provide quick access to cash whenever you need it, while our drive-thru banking offers an efficient way to handle transactions without leaving your vehicle. While members can visit us at 7800 Pontiac Trl, official correspondence should be sent to the same address listed above for clarity. We invite you to join our growing family at Vibe. Experience firsthand how we blend personal service with modern convenience tailored just for you. Let's build a brighter financial future together! For more information or any inquiries, feel free to reach out at 248-560-3076 or visit us online at Vibe's website.

Our Mission

At Vibe, our mission is simple yet impactful: we strive to empower our members by offering personalized financial solutions that cater to their unique needs. We believe in putting people first this means not only providing top-notch products like checking and savings accounts, auto loans, mortgages, and credit cards but also being actively involved in community outreach initiatives. We understand that financial literacy is essential for success. That's why we focus on educating our members about smart money management and sound financial practices. Whether you're looking to buy your first car or plan for retirement, we're here to guide you every step of the way.

Branch Location & Accessibility

Welcome to Vibe, your friendly neighborhood credit union located at 7800 Pontiac Trl in West Bloomfield, MI. Nestled in the heart of Oakland County, our branch is easily accessible and conveniently situated near local landmarks like the West Bloomfield Township Hall and the scenic Marshbank Park, making it a perfect stop for both banking needs and a leisurely stroll. At Vibe, we prioritize your convenience. Our branch features ample parking and is fully ADA compliant, ensuring all members can access our services comfortably. Whether you prefer to walk in or use our drive-thru service, we have you covered. Our drive-thru operates Monday through Thursday from 8:30 AM to 5:30 PM and on Fridays until 6 PM, while lobby hours are from 9 AM to 5 PM on weekdays and 9 AM to 12 PM on Saturdays. We understand that your time is valuable, which is why we offer a range of services designed with you in mind. From personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we strive to meet all your financial needs under one roof. Plus, our ATM is available for quick cash withdrawals and balance checks at any hour. For any official correspondence, please send mail to the same address as our branch location: 7800 Pontiac Trl, West Bloomfield, MI 48323. Feel free to reach out at 248-560-3076 if you have questions or need assistance. We invite you to visit us soon your next great banking experience awaits at Vibe!

Member Eligibility

At Vibe, we believe that becoming a member is more than just opening an account it's about joining a community that supports your financial journey. If you're looking to become part of our family, you'll be happy to know that membership is open to anyone who lives, works, or attends school in the area. We welcome individuals from all walks of life, ensuring that everyone has access to our friendly and personalized services. To find out more about the specific eligibility criteria, you can visit our website at . Getting started with us is a breeze! Simply reach out by calling (248) 560-3076, and one of our dedicated team members will guide you through the process. Whether you're interested in checking accounts, savings options, or loans tailored just for you, we're here to help every step of the way. Join us at Vibe, located at 7800 Pontiac Trl West Bloomfield Mi 48323, and experience the benefits of being part of a credit union that truly cares.

Business Banking & Commercial Services

Financing Your Vision

Imagine having the financial support to take your business to the next level. 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 Work for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a customer walks into your store and makes a purchase effortlessly with just a swipe or tap. Our services ensure you can accept payments quickly and securely, giving your customers a seamless shopping experience while helping you manage transactions efficiently. Located at 7800 Pontiac Trl West Bloomfield Mi 48323 in West Bloomfield, MI, we're dedicated to being your partner in success. Contact us today at (248) 560-3076 to learn how we can support your business journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're planning to buy a new car or refinance your current vehicle, our auto loans can help you hit the road without breaking the bank. Picture driving away in your dream car with a financing plan that suits your budget. Our team is here to help you explore your options and find the best rates available.

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. Whether you're starting a new venture or looking to grow an existing one, we're here to support your business goals with tailored financial solutions.

Convenient Access

We understand that life gets busy, which is why we've made accessing your accounts as easy as possible. Enjoy the convenience of ATM services for quick cash withdrawals or balance checks whenever you need them. Plus, with our drive-thru service at Vibe, handling deposits and withdrawals is quick and efficient. Our friendly staff is always ready to assist you in person or over the phone at (248) 560-3076 during our operating 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. In conclusion, whether you're looking for personal banking solutions or business services, Vibe has got you covered. We invite you to visit us or check out our website at West Bloomfield Branch for more information on how we can help you achieve your financial goals!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans come with competitive rates to help make homeownership a reality. If you already have a mortgage, consider refinancing with us to potentially lower your monthly payments or access cash for other needs.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are designed for everyone. Imagine having easy access to your funds through online banking, mobile apps, and ATMs. With features like e-statements and person-to-person payments, managing your money has never been simpler. We also offer credit cards with rewards, making everyday purchases even more rewarding.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans are perfect for those moments when you need a little extra help. Additionally, if you're feeling overwhelmed by multiple debts, we can assist you with debt consolidation options that simplify your payments and reduce stress.

Digital & Online Banking

Always Available

With 24/7 online banking services, managing your finances has never been more accessible. Whether it's day or night, you have the power to monitor your accounts and perform transactions whenever it suits you best. At Vibe, we prioritize both ease of use and security, so you can bank confidently knowing your information is protected. Explore all these features and more by visiting us at http://www.vibecu.com today!

Key Features

Our online banking services at http://www.vibecu.com provide you with everything you need for effective account management. You can check your balances, pay bills, and transfer funds all from the comfort of your home or on the go. For those who prefer mobile access, our user-friendly mobile application offers the same great features right at your fingertips. Need to send money to a friend? Our person-to-person transfer service makes it quick and easy, allowing you to send funds securely without any hassle. Plus, with electronic signature authorization available, signing documents online is now a breeze no more printing or mailing required!

Stay Organized with E-Statements

Say goodbye to paper clutter! We provide e-statements that let you view your account statements digitally. This not only helps keep your records organized but also enhances security by reducing the risk of sensitive information being lost or stolen.

Financial Strength

A Growing Member Base

We also boast a strong member base with 174,390 total share accounts, showcasing the trust placed in us by our community. 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 7800 Pontiac Trl West Bloomfield Mi 48323, West Bloomfield, MI 48323 or call us at (248) 560-3076 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.

Commitment to Growth

Our commitment to serving you goes beyond just numbers. 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.

Member-Centric Savings Options

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.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 224 full-time employees and 16 part-time employees who are dedicated to providing exceptional service.

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 here to make your driving experience affordable and enjoyable. We provide flexible terms that fit your budget and lifestyle.

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. This product provides you with the purchasing power you need while ensuring that you can pay it back comfortably.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $89,845,341. We simplify the process of buying or refinancing a home so that you can focus on creating memories in your new space.

Other Financing Options

For business owners seeking capital to grow and expand, our outstanding commercial loans totaling $47,945,213 are designed to support your entrepreneurial journey. With competitive rates and various financing options available at Vibe, refinancing is also an option for those looking to adjust their current loan terms for better benefits. If you're unsure about eligibility or how to get started with any of our products, don't hesitate to reach out! You can contact us at 248-560-3076 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We also offer drive-thru services for added convenience. 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 providing personalized service and solutions tailored specifically for you.

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. With the increasing number of lenders available, it is essential to have a reliable tool that offers clear insights into your options. LendMesh ensures accurate loan comparisons through rigorous sourcing practices. 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 ). This commitment to transparency helps users access fair and competitive offers without hidden agendas. One of the standout features of LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that you can trust that the options presented to you are genuinely competitive. Additionally, LendMesh provides real-time rate comparisons, allowing you to view up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions quickly and effectively. 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!" If you're looking for an efficient way to compare loans without the hassle and confusion of traditional methods, consider using LendMesh's loan comparison tool. 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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