Rates
Competitive rates that support your goals.
As a member-owned credit union, we offer competitive rates to help you save smart, borrow confidently, and make meaningful progress toward your financial goals.
Rate Effective Date: October 23, 2026
Current Rates
Loans - Auto Loans, Recreational Vehicles, & Personal Loans
| Vehicle Loans2 | APR1 as low as | Term |
|---|---|---|
| 2025-2026 Model Years | 4.99% | 1-48 months |
| 2025-2026 Model Years | 5.24% | 49-60 months |
| 2025-2026 Model Years | 5.49% | 61-72 months |
| 2025-2026 Model Years | 5.74% | 73-84 Months |
| 2018-2024 Model Years | 4.99% | 1-48 Months |
| 2018-2024 Model Years | 5.24% | 49-60 Months |
| 2018-2024 Model Years | 5.49% | 61-72 Months |
| 2018-2024 Model Years | 5.74% | 73-84 months |
| 2012-2017 Model Years | 7.99% | 1-60 months |
| First-Time Auto Buyer Loans | APR1 as low as | Term |
|---|---|---|
| 2018-2026 Model Years | 11.49% | 1-48 months |
| 2018-2026 Model Years | 12.49% | 49-60 months |
| Classic Vehicle Loans | APR1 as low as | Term |
|---|---|---|
| 1999 or Older Model Years | 6.99% | 1-60 months |
| 1999 or Older Model Years | 6.99% | 61-84 months |
| 1999 or Older Model Years | 6.99% | 85-120 months |
| New and Used Boats, Campers, Motorhomes, and 5th Wheels | APR1 as low as | Term |
|---|---|---|
| 2017-2026 Model Years | 6.74% | 1-60 months |
| 2017-2026 Model Years - minimum loan $10,000 | 6.99% | 61-84 months |
| 2017-2026 Model Years - minimum loan $20,000 | 6.99% | 85-120 months |
| 2017-2026 Model Years - minimum loan $40,000 | 6.99% | 121-144 months |
| 2017-2026 Model Years - minimum loan $50,000 | 7.24% | 145-180 months |
| 2016 and Older Model Years | 8.24% | 1-60 months |
| New and Used Motorcycles, Jet Skis, and Snowmobiles | APR1 as low as | Term |
|---|---|---|
| 2023-2026 Model Years | 6.99% | 1-60 months |
| 2023-2026 Model Years - minimum loan $20,000 | 7.24% | 61-72 months |
| 2023-2026 Model Years - minimum loan $40,000 | 7.99% | 73-96 months |
| 2022 and Older Model Years | 9.74% | 1-60 months |
| Personal Loans | APR1 as low as | Term |
|---|---|---|
| Personal Line of Credit | 13.99% | n/a |
| Credit Builder | 5.99% | 1-60 months |
| Other Secured - yard equipment, vehicles, utility trailer | 9.49% | 1-60 months |
| Savings Secured | 5.99% | 1-60 months |
| Personal Term Loan | 11.24% | 1-12 months |
| Personal Term Loan | 11.99% | 13-24 months |
| Personal Term Loan | 11.99% | 25-48 months |
| Personal Term Loan | 11.99% | 49-60 months |
| Personal Term Loan - minimum loan $10,000 for loan | 19.99% | 60 Balloon/120 Amortization |
APR = Annual Percentage Rate. All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account."
1. Quoted rates include a 0.25% member loyalty rate discount when auto-pay is set up (exceptions are LOC, Savings Secured, Certificate Secured, Credit Builder, Fast Cash, and VISA) to cover the full payment amount of all Vibe loans. Members can receive an additional loyalty rate discount on some loans by having a mortgage and/or home equity with a balance of $25,000 or greater.
2. Salvage/Rebuilt/Replica/Assembled titles add 2% to rate; use 60% NADA clean retail for value
1. Quoted rates include a 0.25% member loyalty rate discount when auto-pay is set up (exceptions are LOC, Savings Secured, Certificate Secured, Credit Builder, Fast Cash, and VISA) to cover the full payment amount of all Vibe loans. Members can receive an additional loyalty rate discount on some loans by having a mortgage and/or home equity with a balance of $25,000 or greater.
2. Salvage/Rebuilt/Replica/Assembled titles add 2% to rate; use 60% NADA clean retail for value
Home Equity Loans
Flex-Lock Home Equity Line of Credit
| Term | APR1 as low as |
|---|---|
| 5 Years | 6.00% |
| 10 Years | 6.25% |
| 15 Years | 6.50% |
| Line of Credit | 6.50% |
1. APR = Annual Percentage Rate. All rates are based on individual credit history. Rates apply to first lien position and require acceptable collateral. Rates and terms are subject to change at any time without notice. Membership eligibility is required. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039 & 149532.
| Visa® Credit Cards | APR as low as |
|---|---|
| Current Prime Rate | 6.75% |
| CashRewards | 15.75% |
| Platinum | 12.75% |
APR = Annual Percentage Rate. All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account.
Regular and IRA Certificates of Deposit
Balances $200 - $99,999
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.75% | 3.80% |
| 12-17 Month | 3.65% | 3.70% |
| 18-23 Month | 3.60% | 3.65% |
| 24-29 Month | 3.31% | 3.35% |
| 30-35 Month | 1.64% | 1.65% |
| 36-47 Month | 1.69% | 1.70% |
| 48-59 Month | 1.79% | 1.80% |
| 60 Month | 1.89% | 1.90% |
Balances $100,000 - $249,999
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.75% | 3.80% |
| 12-17 Month | 3.65% | 3.70% |
| 18-23 Month | 3.60% | 3.65% |
| 24-29 Month | 3.31% | 3.35% |
| 30-35 Month | 1.64% | 1.65% |
| 36-47 Month | 1.69% | 1.70% |
| 48-59 Month | 1.79% | 1.80% |
| 60 Month | 1.89% | 1.90% |
Balances $250,000 and Above
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.75% | 3.80% |
| 12-17 Month | 3.65% | 3.70% |
| 18-23 Month | 3.60% | 3.65% |
| 24-29 Month | 3.31% | 3.35% |
| 30-35 Month | 1.64% | 1.65% |
| 36-47 Month | 1.69% | 1.70% |
| 48-59 Month | 1.79% | 1.80% |
| 60 Month | 1.89% | 1.90% |
Promotional CD Rates*
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 9 Month | 4.04% | 4.10% |
| 13 Month | 4.18% | 4.25% |
1APY = Annual Percentage Yield. All rates are subject to change at any time without notice. Valid for qualified Michigan residents or existing Vibe members. Certificates are subject to early withdrawal penalties. Brokered Accounts or Institutional Investors are not eligible for any Certificate. Fees could reduce the earnings on the account. A minimum balance of $5 in a Savings Account is required to receive applicable APY.
Rate Information. The interest rate and annual percentage yield (APY) on your special certificate account is as follows:
9-Month Special term with 4.04% interest rate and 4.10% APY
13-Month Special term with 4.18% interest rate and 4.25% APY
The interest rate and APY are fixed and will be in effect for the term of the account. The APY assumes that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Compounding and Crediting. Interest will be compounded and credited quarterly.
Accrual of Interest. Interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit into your account. If you close your account before accrued interest is credited, accrued interest will not be paid.
Balance Information. The minimum balance required to open the account and earn the stated APY is $200.00. If you do not maintain the minimum balance, you will not earn the stated APY. The interest calculation method for your certificate is Daily Balance Method. The daily balance method applies a daily periodic rate to the balance in the account each day.
Account Limitations. After your account is opened you may not make additional deposits to a certificate account.
Maturity. Your certificate account will mature on the maturity date stated in your confirmation email. The maturity date of certificate accounts automatically renewed will be stated on your maturity or renewal notice.
When you open either a "9-month Special CD" or a "13-month Special CD", at maturity, these products roll into a 6-month regular CD and a 12-month regular CD, respectively, at published rates as of the date of maturity. You must contact us if you do not wish to auto-renew these Special CDs.
Early Withdrawal Penalty. We may impose an early withdrawal penalty if you withdraw any of the principal from your Special certificate account before the maturity date.
Amount of Penalty. The early withdrawal penalty of 90-days’ dividends for the 9-month CD and 180-days’ dividends for the 13-month CD.
How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned at the nominal interest rate on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
Where the account is an IRA, and any portion is paid within seven (7) days after establishment; provided that the depositor forfeits an amount of at least equal to the simple interest earned on the amount withdrawn; or where the account is an IRA and the owner attains age 59½ or becomes disabled.
Renewal Policy. Your account automatically renews as described in section 6.a above. You have a grace period after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. The length of the grace period is 7 calendar days.
Nontransferable/Nonnegotiable. Your account is non-transferable and non-negotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
Deposit Accounts
| Savings2 | Dividend Rate | APY1 |
|---|---|---|
| Savings | 0.05% | 0.05% |
| Holiday Savings | 0.05% | 0.05% |
| High Yield Savings Accounts5 | Dividend Rate | APY1 |
|---|---|---|
| $0-$49,999.99 | 2.00% | 2.02% |
| $50,000-$99,999.99 | 2.00% | 2.02% |
| $100,000-$249,999.99 | 0.75% | 0.75% |
| $250,000.00 or more | 0.75% | 0.75% |
| Youth High Yield Savings Accounts5 | Dividend Rate | APY1 |
|---|---|---|
| $0-$2,499.99 | 3.00% | 3.04% |
| $2,500 or more | 0.05% | 0.05% |
| Money Market Accounts4 | Dividend Rate | APY1 | APY with Bonus4 |
|---|---|---|---|
| $0-$4,999.99 | 0.35% | 0.35% | 1.86% |
| $5,000-$49,999.99 | 0.60% | 0.60% | 2.11% |
| $50,000-$99,999.99 | 0.65% | 0.65% | 2.16% |
| $100,000-$249,999.99 | 1.00% | 1.01% | 2.52% |
|
$250,000-$499,999.99
|
1.25% | 1.26% | 2.77% |
|
$500,000 or more
|
1.50% | 1.51% | 3.02% |
| FU$E MMA | Dividend Rate | APY1 |
|---|---|---|
| $0-$499.99 | 0.40% | 0.40% |
| $500-$2,499.99 | 0.50% | 0.50% |
| $2,500 or more | 0.65% | 0.65% |
| High Yield Reward Checking3 | Dividend Rate | APY1 |
|---|---|---|
| $0-$7,500.00 | 6.31% | 6.50% |
| $7,500.01 or more | 0.02% | 0.02% |
|
Qualifications Not Met
|
0.00% |
0.00%
|
| Individual Retirement Account | Dividend Rate | APY1 |
|---|---|---|
| $0-$4,999.99 | 0.35% | 0.35% |
| $5,000- $24,999.99 | 0.55% | 0.55% |
| $25,000- $49,999.99 | 0.60% | 0.60% |
| $50,000- $99,999.99 | 0.65% | 0.65% |
| $100,000 or more | 0.75% | 0.75% |
| Business Savings2 | Dividend Rate | APY1 |
|---|---|---|
| Business Savings | 0.05% | 0.05% |
| Business High Yield Savings Accounts | Dividend Rate | APY1 |
|---|---|---|
| $0-$4,999.99 | 0.01% | 0.01% |
| $5,000-$49,999.99 | 1.49% | 1.50% |
| $50,000-$99,999.99 | 1.74% | 1.75% |
| $100,000-$249,999.99 | 1.98% |
2.00%
|
| $250,000-$499,999.99 | 2.96% |
3.00%
|
| $500,000-$5,000,000 | 2.96% |
3.00%
|
| Over $5,000,000 | 2.96% |
3.00%
|
| Excess Share Insurance (ESI) Savings6 | Dividend Rate | APY1 |
|---|---|---|
| $100,000-$249,999.99 | 1.49% | 1.50% |
| $250,000-$499,999.99 | 2.47% | 2.50% |
| $500,000-$5,000,000 | 2.23% | 2.25% |
| Over $5,000,000 | Not Insured | Not Insured |
1. Dividend rates on all savings accounts are declared at the end of the month. All rates are subject to change at any time without notice. APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Federally Insured by the NCUA.
2. A minimum balance of $5 in a Savings Account is required to receive applicable APY.
3. On qualifying months, each interest rate will apply only to that portion of the account balance within each balance range. Additionally, up to $20 in non-Vibe ATM fee refunds will be credited to the member’s share savings account. If all requirements have not been met for the month, the High Yield Reward Bonus and non-Vibe ATM fee refunds will not be credited for that month. On non-qualifying months, no dividends or rewards will be paid.
4. Bonus Eligible – For Money Market accounts, excluding FU$E Money Market and Business Money Market, an additional 1.50% bonus rate will be paid on the total balance of the account if you have met all requirements of your High Yield Rewards Checking, in the same membership account.
5. Each interest rate will apply only to that portion of the account balance within each balance range.
6. Only accounts designated by Vibe Credit Union as eligible for Excess Share Insurance (ESI) receive additional insurance coverage above standard NCUA limits. ESI coverage is subject to policy terms, conditions, and eligibility requirements. Coverage is provided at no additional cost to the member.
Mortgage Rates
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