Vibe Credit Union
Verified rate book
Current Vibe Credit Union rates
36 published offers verified as of August 4, 2026.
Auto & vehicle rates
22 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month Auto Loan (2018–2024)auto_any_48mo | 4.740% APR | 4.740% | 48 mo | Standard |
| 48-Month Auto Loan (2025–2026)auto_any_48mo | 4.740% APR | 4.740% | 48 mo | Standard |
| 60-Month Auto Loan (2025–2026)auto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| 60-Month Auto Loan (2018–2024)auto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| 72-Month Auto Loan (2018–2024)auto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| 72-Month Auto Loan (2025–2026)auto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| 84-Month Auto Loan (2018–2024)auto_any_84mo | 5.490% APR | 5.490% | 84 mo | Standard |
| 84-Month Auto Loan (2025–2026)auto_any_84mo | 5.490% APR | 5.490% | 84 mo | Standard |
| 60-Month Auto Loan (2017–2026)auto_any_60mo | 6.740% APR | 6.740% | 60 mo | Standard |
| 2017-2026 Model Years - minimum loan $40,000auto_any_144mo | 6.990% APR | 6.990% | 144 mo | Standard |
| 2017-2026 Model Years - minimum loan $20,000auto_any_120mo | 6.990% APR | 6.990% | 120 mo | Standard |
| 2017-2026 Model Years - minimum loan $10,000auto_any_84mo | 6.990% APR | 6.990% | 84 mo | Standard |
| 60-Month Auto Loan (2023–2026)auto_any_60mo | 6.990% APR | 6.990% | 60 mo | Standard |
| 2017-2026 Model Years - minimum loan $50,000auto_any_180mo | 7.240% APR | 7.240% | 180 mo | Standard |
| 2023-2026 Model Years - minimum loan $20,000auto_any_72mo | 7.240% APR | 7.240% | 72 mo | Standard |
| 2023-2026 Model Years - minimum loan $40,000auto_any_96mo | 7.990% APR | 7.990% | 96 mo | Standard |
| 60-Month Auto Loan (2012–2017)auto_any_60mo | 7.990% APR | 7.990% | 60 mo | Standard |
| 60-Month Used Auto Loan (2016 and Older)auto_used_60mo | 8.240% APR | 8.240% | 60 mo · used | Standard |
| Other Secured - yard equipment, vehicles, utility trailerpowersports_any_60mo | 9.490% APR | 9.490% | 60 mo | Standard |
| 60-Month Used Auto Loan (2022 and Older)auto_used_60mo | 9.740% APR | 9.740% | 60 mo · used | Standard |
| 48-Month Auto Loan (2018–2026)auto_any_48mo | 11.490% APR | 11.490% | 48 mo | Standard |
| 60-Month Auto Loan (2018–2026)auto_any_60mo | 12.490% APR | 12.490% | 60 mo | Standard |
HELOC rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Flex-Lock HELOC (5 Years)heloc_variable | 5.750% APR | 5.750% | — | Standard |
| Flex-Lock HELOC (10 Years)heloc_variable | 6.000% APR | 6.000% | — | Standard |
| Flex-Lock HELOC (Line of Credit)heloc_variable | 6.250% APR | 6.250% | — | Standard |
| Flex-Lock HELOC (15 Years)heloc_variable | 6.250% APR | 6.250% | — | Standard |
| Current Prime Rateheloc_variable | 6.750% APR | 6.750% | — | Standard |
| Platinumheloc | 12.750% APR | 12.750% | — | Standard |
Personal loan rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Share-Secured Loanpersonal_secured_60mo | 5.990% APR | 5.990% | 60 mo | Standard |
| 60-Month Credit Builder Loanpersonal_unsecured_60mo | 5.990% APR | 5.990% | 60 mo | Standard |
| Personal Line of Creditploc_variable | 6.250% APR | 6.250% | — | Standard |
| 12-Month Personal Loanpersonal_unsecured_12mo | 11.240% APR | 11.240% | 12 mo | Standard |
| 24-Month Personal Loanpersonal_unsecured_24mo | 11.990% APR | 11.990% | 24 mo | Standard |
| Personal Line of Creditploc_variable | 13.990% APR | 13.990% | — | Standard |
| Personal Term Loan - minimum loan $10,000 for loanpersonal | 19.990% APR | 19.990% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| CashRewardsother | 15.750% APR | 15.750% | — | Standard |
Vehicle loans available from 4.74% APR for 48 months. HELOC rates from 5.75% APR. Personal loan rates from 5.99% APR. Credit card rates from 15.75% APR.
Source: RateAPI.dev, verified from Vibe Credit Union's official website
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About Vibe Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 74.4K
- Assets
- $1.6B
- Founded
- 1953
- Locations reported
- 16
- NCUA charter
- 61522
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Vibe Credit Union
Membership eligibility from Vibe Credit Union's own published criteria. How we verify this.
Membership criteria are published on Vibe Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Vibe Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Vibe Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Vibe Credit Union ranks against Michigan peers.
Frequently Asked Questions
What rates does Vibe Credit Union offer?
Vibe Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Vibe Credit Union rates updated?
RateAPI verifies Vibe Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Vibe Credit Union's rate data?
Rate data is collected directly from Vibe Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Vibe Credit Union's auto & powersports loan rates?
As of August 4, 2026, Vibe Credit Union offers vehicle loans from 4.74% APR.
What is Vibe Credit Union's HELOC rate?
As of August 4, 2026, Vibe Credit Union offers home equity lines of credit from 5.75% APR.
What is Vibe Credit Union's personal loan rate?
As of August 4, 2026, Vibe Credit Union offers personal loans from 5.99% APR.
Related Rate Data
Compare Vibe Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Vibe Credit Union rates
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# Get rates for Vibe Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/vibe" \
-H "Authorization: Bearer YOUR_API_KEY"