--- title: "Vibe Credit Union Rates - Michigan" description: "Current vehicle loan, heloc, personal loan, and credit card rates from Vibe Credit Union in Michigan. Updated daily with source verification. See who can join Vibe Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/vibe" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Vibe Credit Union Rates - Michigan ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan (2025–2026)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **48-Month Auto Loan (2018–2024)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **60-Month Auto Loan (2025–2026)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **60-Month Auto Loan (2018–2024)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **72-Month Auto Loan (2025–2026)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **72-Month Auto Loan (2018–2024)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **84-Month Auto Loan (2025–2026)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **84-Month Auto Loan (2018–2024)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **60-Month Auto Loan (2017–2026)** auto_any_60mo | — APR | 6.740% | 60 mo | Standard | | **2017-2026 Model Years - minimum loan $20,000** auto_any_120mo | — APR | 6.990% | 120 mo | Standard | | **2017-2026 Model Years - minimum loan $10,000** auto_any_84mo | — APR | 6.990% | 84 mo | Standard | | **2017-2026 Model Years - minimum loan $40,000** auto_any_144mo | — APR | 6.990% | 144 mo | Standard | | **60-Month Auto Loan (2023–2026)** auto_any_60mo | — APR | 6.990% | 60 mo | Standard | | **2017-2026 Model Years - minimum loan $50,000** auto_any_180mo | — APR | 7.240% | 180 mo | Standard | | **2023-2026 Model Years - minimum loan $20,000** auto_any_72mo | — APR | 7.240% | 72 mo | Standard | | **2023-2026 Model Years - minimum loan $40,000** auto_any_96mo | — APR | 7.990% | 96 mo | Standard | | **60-Month Auto Loan (2012–2017)** auto_any_60mo | — APR | 7.990% | 60 mo | Standard | | **60-Month Used Auto Loan (2016 and Older)** auto_used_60mo | — APR | 8.240% | 60 mo · used | Standard | | **Other Secured - yard equipment, vehicles, utility trailer** powersports_any_60mo | — APR | 9.490% | 60 mo | Standard | | **60-Month Used Auto Loan (2022 and Older)** auto_used_60mo | — APR | 9.740% | 60 mo · used | Standard | | **48-Month Auto Loan (2018–2026)** auto_any_48mo | — APR | 11.490% | 48 mo | Standard | | **60-Month Auto Loan (2018–2026)** auto_any_60mo | — APR | 12.490% | 60 mo | Standard | Vibe Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Flex-Lock HELOC (5 Years)** heloc_variable | — APR | 6.000% | — | Standard | | **Flex-Lock HELOC (10 Years)** heloc_variable | — APR | 6.250% | — | Standard | | **Flex-Lock HELOC (15 Years)** heloc_variable | — APR | 6.500% | — | Standard | | **Flex-Lock HELOC (Line of Credit)** heloc_variable | — APR | 6.500% | — | Standard | | **Current Prime Rate** heloc_variable | — APR | 6.750% | — | Standard | | **Platinum** heloc | — APR | 12.750% | — | Standard | Vibe Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Credit Builder Loan** personal_unsecured_60mo | — APR | 5.990% | 60 mo | Standard | | **60-Month Share-Secured Loan** personal_secured_60mo | — APR | 5.990% | 60 mo | Standard | | **12-Month Personal Loan** personal_unsecured_12mo | — APR | 11.240% | 12 mo | Standard | | **24-Month Personal Loan** personal_unsecured_24mo | — APR | 11.990% | 24 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.990% | — | Standard | | **Personal Term Loan - minimum loan $10,000 for loan** personal | — APR | 19.990% | — | Standard | Vibe Credit Union personal loan rates as of November 11, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **CashRewards** other | — APR | 15.750% | — | Standard | Vibe Credit Union credit card rates as of November 11, 2026 Vibe Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/vibe) , verified from [Vibe Credit Union's official website](https://www.vibecreditunion.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Michigan State University** MSUFCU - Novi · Novi · MI · 48375 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/michigan-state-university) [**Diversified Members** Novi Branch · Novi · MI · 48375-1610 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/diversified-members) [**Community Choice** 26 Commerce Township · Commerce Township · MI · 48390-3907 About 2.3 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) [**Zeal** Zeal Credit Union · Walled Lake · MI · 48390-3139 About 2.7 miles away](https://rateapi.dev/credit-unions/michigan/zeal) [**Christian Financial** Novi Branch · Novi · MI · 48375 About 2.8 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**DFCU Financial** DFCU - Novi · Novi · MI · 48375 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) 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](https://rateapi.dev/eligibility-methodology) . 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](https://www.vibecreditunion.com/) . 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. - See which AI assistants fetched Vibe Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=vibe&state=michigan&code=MI&name=Vibe%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 11, 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 November 11, 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. ### Who can join Vibe Credit Union? Vibe Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Vibe Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.vibecreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Vibe Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Vibe Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /vibe " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Vibe Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/vibe Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp