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VibeThematters.Welcome, !Happy New Year! As we begin 2025, I’m excited to share some of the ways Vibe Credit Union is growing to better serve you, our members. This year, we’ll open a new branch in Sterling Heights and introduce community centers in both Novi and Sterling Heights to deepen our connection with the communities we call home. In early 2025, we’ll also kick off a remodel of our Clarkston location and start renovations in Royal Oak and Ferndale to transform them into full-service branches. While we look ahead to this exciting growth, our commitment to you remains the same. We’re grateful for our incredible team members, our loyal members, and the community partners who help us thrive. Thank you for being a vital part of our journey. Here’s to a great year together!- Chaz Rzewnicki President/CEO, Vibe Credit UnionElevate Community. Create Opportunity.January 2025
Current offers you can really vibe with:Good Vibes, Big Impact: Community RecapWe are proud to share the incredible impact our team members made in 2024. Our vision of, “Elevating Community. Creating Opportunity.” inspired our dedicated team to volunteer over 7,000 impact hours all across the tri-county area.This year, we focused on supporting vital causes like addressing hunger and homelessness. We deepened our partnerships with Metro Food Rescue, Lighthouse of Oakland County, Habitat for Humanity, Haven of Oakland County, and Hospitality House. Through ongoing volunteer events, we dedicated our efforts to making a difference in the communities we serve. This wouldn’t be possible without our exceptional team members, whose dedication and passion drive our mission to create vibrant, inclusive communities. Their commitment to building a brighter future is truly inspiring. As we look ahead, we’re excited for the Vibe team to make an even greater impact and leave a lasting legacy in the lives of those we serve.We’re upgrading the vibes. Our Ferndale and Royal Oak locations are currently closed for remodeling and are expected to reopen as full-service branches in the spring of 2025.Our Clarkston branch renovation will kick off shortly. The branch lobby will be closed, but our drive-thru banking services and ATM will be in operation.We have exciting improvements to our branches and additional spaces being created for our members and community partners in 2025. Stay tuned!Vibe’s Home Equity Line of Credit: Rates as low as 4.99% APR for 6 months.**All rates are based on individual credit history and the loan-to-value. Rates are subject to change without notice - 4.99% is the introductory rate for the first 6 months. After 6 months, the rate will change to an adjustable rate based on prime and the margin and will apply to the outstanding balance. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039. Equal Housing Opportunity. HELOC = Home Equity Line of Credit. APR = Annual Percentage Rate. Federally Insured by the NCUA. See vibecreditunion.com for full details.Score big and upgrade your ride - perfect for your game day road trips. Turn your equity into an opportunity with no annual fee, 10-year withdraw periods, and the ability to finance up to 95% of your home’s value.Skip the payments, not the tailgate with Auto loan rates as low as 4.99% APR + 90 Days No Payments.**Approval and rate are based on individual credit history and is subject to approval. Rates are subject to change. 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 checks. Interest begins to accrue at time of loan disbursement and will be amortized over the life of the loan. APR = Annual Percentage Rate. Federally insured by NCUA. Restrictions apply. Not valid on current loans. See vibecreditunion.com for full details. Score big - apply now!Discover your options now!
Current offers you can really vibe with:Good Vibes, Big Impact: Community RecapWe are proud to share the incredible impact our team members made in 2024. Our vision of, “Elevating Community. Creating Opportunity.” inspired our dedicated team to volunteer over 7,000 impact hours all across the tri-county area.This year, we focused on supporting vital causes like addressing hunger and homelessness. We deepened our partnerships with Metro Food Rescue, Lighthouse of Oakland County, Habitat for Humanity, Haven of Oakland County, and Hospitality House. Through ongoing volunteer events, we dedicated our efforts to making a difference in the communities we serve. This wouldn’t be possible without our exceptional team members, whose dedication and passion drive our mission to create vibrant, inclusive communities. Their commitment to building a brighter future is truly inspiring. As we look ahead, we’re excited for the Vibe team to make an even greater impact and leave a lasting legacy in the lives of those we serve.We’re upgrading the vibes. Our Ferndale and Royal Oak locations are currently closed for remodeling and are expected to reopen as full-service branches in the spring of 2025.Our Clarkston branch renovation will kick off shortly. The branch lobby will be closed, but our drive-thru banking services and ATM will be in operation.We have exciting improvements to our branches and additional spaces being created for our members and community partners in 2025. Stay tuned!Vibe’s Home Equity Line of Credit: Rates as low as 4.99% APR for 6 months.**All rates are based on individual credit history and the loan-to-value. Rates are subject to change without notice - 4.99% is the introductory rate for the first 6 months. After 6 months, the rate will change to an adjustable rate based on prime and the margin and will apply to the outstanding balance. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039. Equal Housing Opportunity. HELOC = Home Equity Line of Credit. APR = Annual Percentage Rate. Federally Insured by the NCUA. See vibecreditunion.com for full details.Score big and upgrade your ride - perfect for your game day road trips. Turn your equity into an opportunity with no annual fee, 10-year withdraw periods, and the ability to finance up to 95% of your home’s value.Skip the payments, not the tailgate with Auto loan rates as low as 4.99% APR + 90 Days No Payments.**Approval and rate are based on individual credit history and is subject to approval. Rates are subject to change. 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 checks. Interest begins to accrue at time of loan disbursement and will be amortized over the life of the loan. APR = Annual Percentage Rate. Federally insured by NCUA. Restrictions apply. Not valid on current loans. See vibecreditunion.com for full details. Score big - apply now!Discover your options now!
Applications for the 2025 Vibe’s Thrive Scholarship are now open! As part of our commitment to elevate our communities, we’re excited to grant $2,000 to ten exceptional students, helping them pursue their future educational goals. Visit our website for more details.Preparing your home and car for winter.Thrive $2,000 ScholarshipsRead more!vibecreditunion.comPreparing your home and car for winter now can prevent minor issues from becoming major problems, keeping you, your family, and your property safe through the season. With a little effort now, you can stay safe and enjoy Michigan’s winter months worry-free.
Applications for the 2025 Vibe’s Thrive Scholarship are now open! As part of our commitment to elevate our communities, we’re excited to grant $2,000 to ten exceptional students, helping them pursue their future educational goals. Visit our website for more details.Preparing your home and car for winter.Thrive $2,000 ScholarshipsRead more!vibecreditunion.comPreparing your home and car for winter now can prevent minor issues from becoming major problems, keeping you, your family, and your property safe through the season. With a little effort now, you can stay safe and enjoy Michigan’s winter months worry-free.
Elevate Community. Create Opportunity.@vibecreditunion248-735-9500 vibecreditunion.comFederally insured by NCUA.Equal Housing Opportunity. NMLS ID: #405039.Upcoming Holiday Closure DatesNew Year's Day - Wednesday, January 1 Martin Luther King Jr. Day - Monday, January 20Presidents' Day - Monday, February 17Annual Meeting NoticeThe Annual Meeting will be at 5:00 PM on April 23, 2025, at the Vibe Operations Center at 1375 N. Oakland Blvd. Waterford, MI 48327.Vibe Credit Union will have three seats on the Board of Directors up for re-election this year. If you believe you are qualified, have sufficient experience, and can devote the time and effort necessary to this voluntary office, you may obtain a nominating petition by calling 248-735-9500. Petitions must be signed by 3% of verifiable Vibe members. All nominations must be filed with the President/CEO no later than March 3, 2025.Visited our Security Center yet?At Vibe Credit Union, we take the safety and security of our members seriously. Our website is a great resource to learn how to keep your financial information safe, as well as news on current scams to look out for.Visit Our Security Center