driven by something differentSM

Vibe Credit Union understands that not all checking accounts are equal. In times of financial uncertainty, we’ve got you covered with our interest bearing Vibe Checking Account featuring: • No monthly fees when enrolled in eStatements• Purchase rewards with a Vibe Debit Card• 24/7 access to CO-OP Network’s 30,000 surcharge-free ATMs• Mobile Banking App or Online Banking with Bill Pay and Mobile Deposit. New members must qualify for membership and deposit $5 in a Vibe Savings Account. All new accounts are subject to ChexSystems and/or standard credit check. See website for full details.

You’re Covered with a Vibe Checking Account

The Vibe Platinum Visa® Credit Card, with tap to pay and rates as low as 8.99%APR*, helps you tap into a new routine for purchasing the things you need. • Contactless purchases with tap to pay technology • No PINs, no signature, no hassle • Exceptional purchasing power with credit limits up to $35,000 • No annual, cash advance, or balance transfer fees. Apply from home with our Mobile Banking App or online at vibecreditunion.com. *Approval and rate are based on individual credit history. Rates subject to change. New members must qualify for membership and deposit $5 in a Vibe Savings Account. See website for full details.

Tap into Safety and Convenience

Whether you’re headed for the mountains or the lake, Vibe’s auto and recreational vehicle loans can help you take the path less traveled. With no payments for 60 days, you can enjoy your vacation with peace of mind.

• Auto Loans with rates as low as 1.99%APR* • RV Loans with rates as low as 4.19%APR*

• Quick Approvals and Fast Funding • Easy Online Application• eSign & Go!Apply via our Mobile Banking App, online, or call/text us at 248.735.9500. *Loan approval and rate are based on individual credit history. Rates subject to change. New members must qualify for membership and deposit $5 in a Vibe Savings Account. See website for full details.

July 2020

driven by something differentSM

248.735.9500 vibecreditunion.com

Annual MeetingOur Members are Essential The Annual Meeting has been

rescheduled for Wednesday, July 22, 2020 at 5:30 p.m. at 44575 W. Twelve Mile Road in Novi, MI. All members are welcome for this brief meeting. If you would like to attend, please RSVP to marketing@vibecu.com.

Your financial well-being is our top priority. If you or your family are experiencing financial hardship, ask us about our loan payment deferrals, loan modifications, COVID-19 Relief Loans, and other special programs. Our goal is to provide peace of mind during this unprecedented time. Please call us at 248.596.4450, email us at contactus@vibecu.com, or visit vibecreditunion.com, so our team can assist you.

We’re here and ready to help with our convenient remote channels, including Online & Mobile Banking, Online Bill Pay, Mobile Deposit, and 24/7 ATMs.

Funds Availability ChangeEffective July 1, 2020 Vibe Credit Union’s Funds Availability policy is changing. The amount available for withdrawal by checks not subject to next day availability increases from $200 to $225. Also, the amount available for withdrawal on exception holds for uncertainty of payment, large deposits, new accounts, redeposits, repeat overdraft, and emergency situations increases from $5,000 to $5,525.

Upcoming Credit Union ClosuresAll Vibe Credit Union branches will be closed on the following dates: • Friday, July 3 through Saturday, July 4 In observance of Independence Day • Saturday, July 25 Staff Training

Vibe Credit Union was proud to award 10 deserving high school graduates with a $1,500 FU$E Scholarship. Congratulations to our recipients as well as the Class of 2020! Abigail Bishop University of Arizona Luke Bruz University of Alabama Alexis CarnleyWestern Michigan University

Anna ConfortiMichigan State University Drake Jones Morehouse College

Jacob Lampi University of Detroit Mercy

Xavier Lomnicki Western Michigan University Marissa RogersWestern Michigan University Ella SchultzCentral Michigan University

Joshua SmithCalvin University