Home Equity Loans Zero Closing Costs home due to the substantial increase in Metro Detroit home values
Home Equity Loans Zero Closing Costs home due to the substantial increase in Metro Detroit home values

Home Equity Loans Zero Closing Costs home due to the substantial increase in Metro Detroit home values

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  • vibecreditunion.com

    Fall 2013

    Over the past year, many of our members have benefited from accessing the equity that once again resides in their home due to the substantial increase in Metro Detroit home values. Now is a great time for you to apply for a Home Equity Loan* and pay zero closing costs. You too can benefit from the equity in your home.

    A Home Equity Term Loan lets you borrow the money you need in a lump sum with a fixed interest rate as low as 2.99%*. A Home Equity Line of Credit (HELOC) has a variable interest rate and you can access the money you need, when you need it through Online Banking, a Premier Visa® Credit Card, and checks.

    Use the equity in your home for repairs, college tuition or take the vacation you have always dreamed about. Apply online at vibecreditunion.com or call 248.596.4452 to speak with a Real Estate Lending Specialist.

    * Appraisal deposit refunded at loan closing. Penalty of $200 on loans paid off within first 90 days. Rates based on individual credit and may vary. Rates subject to change. HELOC rate is based on Prime.

    Get $100 with Your Vibe Auto Loan Plus More Amazing Benefits Get a $100 Vibe Visa® Gift Card with your next auto loan*. Plus, save money on your auto insurance deductibles for two years with our free Auto Deductible Reimbursement Program. This money saving program pays up to $1,000 per year to cover your auto insurance deductibles. Even better, get a $100 discount when you purchase a Guaranteed Asset Protection (GAP) policy and receive an additional three years of free Auto Deductible Reimbursement coverage.

    We offer competitive loan rates for new and used vehicles. To learn more and apply for your auto loan, please call our Lending Resource Center today at 248.596.4450 or apply online. * Limited time offer. Minimum auto loan amount $7,500. If loan is paid off within 6 months, the $100 cash

    incentive will be added to the loan payoff amount. The 2-year free Auto Deductible Reimbursement Program is offered through our partner AssurancePlus. GAP must be purchased at loan closing to receive the $100 policy discount. Existing Vibe loans are not eligible for any portion of this offer.

    Deposit Checks in a Snap!

    Our Mobile Banking Apps now feature our new mobile deposit service, SnapCheck*. Deposit your checks anytime, anywhere when it’s convenient for you. Save time and try SnapCheck today. *Must agree to the Remote Deposit User Agreement and Disclosure.

    Reaching More Members We have opened two new locations to make banking more convenient for our members. • Birmingham eCenter: 163 W. Maple Rd. • Sterling Heights branch: 36824 Van Dyke Ave. Later this year, we will open in downtown Royal Oak. We look forward to connecting with you in these communities.

    Home Equity Loans Zero Closing Costs

  • Beginning October 9, you will see enhancements to Online Banking including Purchase Rewards, My Deposit and TurboTax®. As part of our system upgrade, you must confirm your email address and phone number(s) on your next login. To comply with Federal Regulations, the use of Security Questions will no longer be available for Multi-factor Authentication. Online Banking users must authenticate their access by using a one-time passcode via phone, text or email. Learn more on our Online Banking webpage.

    We Make Commercial Loans up to $6M It’s time that you think of Vibe Credit Union for your next commercial loan. We are a lender who understands your financing needs and we are committed to the growth and development of your business. Vibe is proud to have a seasoned team of commercial lending professionals with over 100 years of combined experience who make commercial loans up to $6M. We can help small and large businesses get financing for:

    • Investment Real Estate

    • Owner Occupied Real Estate

    • Construction and Development

    • Equipment

    • Lines of Credit.

    We can help your business succeed by providing the financing you need. To inquire about a commercial loan, please call Mark Wollschlager at 248.596.4421.

    Berkley 3082 Coolidge Hwy.

    Birmingham 163 W. Maple Road

    Canton 44300 Warren Road

    Livonia 9373 Middlebelt Road

    Novi – Main Office 44575 W. Twelve Mile Road

    Novi 22245 Haggerty Road

    South Lyon 21985 Pontiac Trail

    Southfield 21100 Northwestern Hwy.

    Sterling Heights 36824 Van Dyke Avenue

    Lobby Hours: Monday – Thursday: 9 – 5 Friday: 9 – 6 Saturday: 9 – 12*

    * Livonia and Sterling Heights lobbies are open for limited teller transactions.

    Drive-thru: Monday – Friday: 8:30 – 6 Saturday: 9 – 12 (No drive-thru at Birmingham, Livonia or Sterling Heights.)

    Birmingham eCenter: M/T/W/F: 10 – 6 Thursday: 10 – 8 Saturday: 10 – 2

    Connection Center: Monday – Friday: 8:30 – 7 Saturday: 9 – 12

    Telephone Banking 248.596.4500

    Family Service Centers 800.919.2872

    Lost/Stolen Visa Credit Card 800.543.5073

    Lost/Stolen ATM/Debit Card 888.241.2510 After hours 909.941.1398 Outside the U.S.

    Board of Directors Email Board_of_Directors@vibecu.com

    Holiday Closings

    NMLS ID: 465960

    Columbus Day October 14

    Veterans Day November 11

    Thanksgiving November 28

    Christmas Eve (close at 1pm) December 24

    Christmas Day December 25

    New Year’s Eve (close at 1pm) December 31

    New Year’s Day January 1

    248.735.9500 vibecreditunion.com

    Celebrate with Us on Member Appreciation Day On Thursday, October 17, we will be celebrating Member Appreciation Day in conjunction with International Credit Union Day. The theme for International Credit Union Day is Credit Unions Unite for GoodTM and celebrates credit unions enriching communities around the globe. In addition, we will pay tribute to our members the same day by hosting our Member Appreciation Day. This day and all year long, we are grateful for your continued membership. Celebrate with us by visiting one of our nine locations and pick up some Vibe giveaways as a token of our appreciation for your membership.

    Online Banking Enhancements