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: June 23, 2026
Current Rates
Loans - Auto Loans, Recreational Vehicles, & Personal Loans
| Vehicle Loans2 | APR1 as low as | Term |
|---|---|---|
| 2025-2026 Model Years | 4.74% | 1-48 months |
| 2025-2026 Model Years | 4.99% | 49-60 months |
| 2025-2026 Model Years | 5.24% | 61-72 months |
| 2025-2026 Model Years | 5.49% | 73-84 Months |
| 2018-2024 Model Years | 4.74% | 1-48 Months |
| 2018-2024 Model Years | 4.99% | 49-60 Months |
| 2018-2024 Model Years | 5.24% | 61-72 Months |
| 2018-2024 Model Years | 5.49% | 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. A processing charge of $100 may apply to a refinance or rate change if an existing Vibe loan is permitted
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. A processing charge of $100 may apply to a refinance or rate change if an existing Vibe loan is permitted
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 | 5.75% |
| 10 Years | 6.00% |
| 15 Years | 6.25% |
| Line of Credit | 6.25% |
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% |
1. APY = 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.
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 |
|---|---|---|
| $0-$4,999.99 | 0.35% | 0.35% |
| $5,000-$49,999.99 | 0.60% | 0.60% |
| $50,000-$99,999.99 | 0.65% | 0.65% |
| $100,000-$249,999.99 | 1.00% | 1.01% |
|
$250,000-$499,999.99
|
1.25% | 1.26% |
|
$500,000 or more
|
1.50% | 1.51% |
| FU$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 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 or more | 0.75% | 0.75% |
| Business Checking | Dividend Rate | APY1 |
|---|---|---|
| Business Checking | 0.02% | 0.02% |
| Business MMA | Dividend Rate | APY1 |
|---|---|---|
| $0-$4,999.99 | 0.35% | 0.35% |
| $5,000- $24,999.99 | 0.60% | 0.60% |
| $25,000- $49,999.99 | 0.65% | 0.65% |
| $50,000- $99,999.99 | 1.00% | 1.01% |
| $100,000 or more | 1.25% | 1.26% |
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.