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Certificate of Deposit

Open a CD 

Vibe helps the money you're not using to work harder for you. You can earn even more on your money with increased interest rates on our Certificates of Deposit (CD) and Individual Retirement Account (IRA) CD. We offer higher rates than the local competition and our CDs feature:

  • Terms from 1-5 years

  • Competitive rates for the term of the certificate

  • Low $500 minimum deposit

  • Interest calculated daily; three interest payment options:
     - Full interest paid at maturity
     - Interest compounded quarterly (added to certificate)
     - Monthly interest transfers to your Vibe Checking or Savings account

  • Partial withdrawals allowed, subject to penalty

  • Early withdrawal penalties: 90 days interest on a one year term; 180 days interest on all other terms

  • Optional automatic renewal at maturity

  • Certificate renewal notices sent seven (7) days prior to maturity; renewed automatically if no response; seven (7) day grace period for renewals; renewal acknowledgment sent on request

  • All CDs earn interest and are included in your NCUA $250,000 coverage.


Choose Vibe to be your "safe place" in your IRA portfolio. We offer both Traditional and Roth IRA CDs. Learn more about which IRA CD is right for you on the IRS website.



Rates That Rock!

We offer rates as low as:

New/Used Auto2.74% (%tr%span class='xsmall')APR*(%tr%/span)
Boat/RV Loans2.74% (%tr%span class='xsmall')APR*(%tr%/span)
Personal Loans8.24% (%tr%span class='xsmall')APR*(%tr%/span)
Visa(sup)(/sup) Platinum11.25% (%tr%span class='xsmall')APR*(%tr%/span)
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EHO - We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
NCUA - Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
44575 W. Twelve Mile Road Novi, MI 48377  I  © 2018