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
• 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.
3082 Coolidge Hwy.
163 W. Maple Road
44300 Warren Road
9373 Middlebelt Road
Novi – Main Office
44575 W. Twelve Mile Road
22245 Haggerty Road
21985 Pontiac Trail
21100 Northwestern Hwy.
36824 Van Dyke Avenue
Monday – Thursday: 9 – 5
Friday: 9 – 6
Saturday: 9 – 12*
* Livonia and Sterling Heights lobbies
are open for limited teller transactions.
Monday – Friday: 8:30 – 6
Saturday: 9 – 12
(No drive-thru at Birmingham, Livonia
or Sterling Heights.)
M/T/W/F: 10 – 6
Thursday: 10 – 8
Saturday: 10 – 2
Monday – Friday: 8:30 – 7
Saturday: 9 – 12
Family Service Centers
Lost/Stolen Visa Credit Card
Lost/Stolen ATM/Debit Card
888.241.2510 After hours
909.941.1398 Outside the U.S.
Board of Directors Email
NMLS ID: 465960
(close at 1pm)
New Year’s Eve
(close at 1pm)
New Year’s Day
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.