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: December 11, 2025

















































Current Rates 

 
 
Vehicle Loans APR1 as low as Term
2024-2025 Model Years 4.99%2 1-48 months
2024-2025 Model Years 5.24%2 49-60 months
2024-2025 Model Years 5.49%2 61-72 months
2024-2025 Model Years 5.74% 73-84 Months
2017-2023 Model Years 4.99% 1-48 Months
2017-2023 Model Years 5.24%2 49-60 Months
2017-2023 Model Years 5.49% 61-72 Months
2017-2023 Model Years 5.74%2 73-84 months
2011-2016 Model Years 7.99%2 1-60 months

First-Time Auto Buyer Loans APR1 as low as Term
2017-2025 Model Years 11.49%2 1-48 months
2017-2025 Model Years 12.49%2 49-60 months

Classic Vehicle Loans APR1 as low as Term
1999 or Older Model Years 6.99%2 1-60 months
1999 or Older Model Years 6.99%2 61-84 months
1999 or Older Model Years 6.99%2 85-120 months

New and Used Boats, Campers, Motorhomes, and 5th Wheels APR1 as low as Term
2016-2025 Model Years 6.74% 1-60 months
2016-2025 Model Years - minimum loan $10,000 7.24% 61-84 months
2016-2025 Model Years - minimum loan $20,000 8.49% 85-120 months
2016-2025 Model Years - minimum loan $40,000 9.24% 121-144 months
2016-2025 Model Years - minimum loan $50,000 9.74% 145-180 months
2015 and Older Model Years 8.24% 1-60 months

New and Used Motorcycles, Jet Skis, and Snowmobiles APR1 as low as Term
2022-2025 Model Years 7.74%2 1-60 months
2022-2025 Model Years - minimum loan $20,000 8.24%2 61-72 months
2022-2025 Model Years - minimum loan $40,000 9.49%2 73-96 months
2021 and Older Model Years 9.74%2 1-60 months

Personal Loans APR1 as low as Term
Personal Line of Credit 13.99%2 n/a
Credit Builder 5.99% 1-60 months
Other Secured - yard equipment, vehicles, utility trailer 9.49%2 1-60 months
Savings Secured 5.99% 1-60 months
Personal Term Loan 14.99%2 1-12 months
Personal Term Loan 14.99%2 13-24 months
Personal Term Loan 14.99%2 25-48 months
Personal Term Loan 14.99%2 49-60 months
Personal Term Loan - minimum loan $10,000 for loan 19.99%2 60 Balloon/120 Amortization
 
1. 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.

2. Quoted rates include a 0.25% member loyalty rate discount when auto pay is set up to cover the full payment amount of all Vibe loans. Members can receive an additional 0.25% member loyalty rate discount off the stated rate by having a mortgage and/or home equity loan with a balance of $25,000 or greater. The loyalty discount for having a mortgage and/or home equity cannot be applied to the Refinance and Calculate the Savings promotion. A processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted.
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 APR1 as low as
Current Prime Rate 6.75%
CashRewards 15.75%2
Platinum 12.75%2
1. APR = Annual Percentage Rate. 2. 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.
Balances $200 - $99,999
Certificate Terms Dividend Rate APY1
6-11 Month 3.84% 3.90%
12-17 Month 3.74% 3.80%
18-23 Month 3.70% 3.75%
24-29 Month 3.36% 3.40%
30-35 Month 1.65% 1.66%
36-47 Month 1.70% 1.71%
48-59 Month 1.80% 1.81%
60 Month 1.90% 1.91%

Balances $100,000 - $249,999
Certificate Terms Dividend Rate APY1
6-11 Month 3.84% 3.90%
12-17 Month 3.74% 3.80%
18-23 Month 3.70% 3.75%
24-29 Month 3.36% 3.40%
30-35 Month 1.65% 1.66%
36-47 Month 1.70% 1.71%
48-59 Month 1.80% 1.81%
60 Month 1.90% 1.91%

Balances $250,000 and Above
Certificate Terms Dividend Rate APY1
6-11 Month 3.84% 3.90%
12-17 Month 3.74% 3.80%
18-23 Month 3.70% 3.75%
24-29 Month 3.36% 3.40%
30-35 Month 1.65% 1.66%
36-47 Month 1.70% 1.71%
48-59 Month 1.80% 1.81%
60 Month 1.90% 1.91%
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.
 
Savings2 Dividend Rate APY1
Savings 0.05% 0.05%
Holiday Savings 0.05% 0.05%

High Yield Savings Accounts3 Dividend Rate APY1
Balances $0-$49,999.99 2.00% 2.02%
Balances $50,000-$99,999.99 2.00% 2.02%
Balances $100,000-$249,999.99 0.75% 0.75%
Balances $250,000.00 or more 0.75% 0.75%

Youth High Yield Savings Accounts3 Dividend Rate APY1
Balances $0-$2,499.99 3.00% 3.04%
Balances $2,500 or more 0.05% 0.05%

Money Market Accounts Dividend Rate APY1
Balances up to $4,999.99 0.35% 0.35%
Balances up to $24,999.99 0.55% 0.55%
Balances up to $49,999.99 0.60% 0.60%
Balances up to $99,999.99 0.65% 0.65%
Balances $100,000 or more 0.75% 0.75%

FU$E MMA Dividend Rate APY1
Balances up to $499.99 0.40% 0.40%
Balances up to $2,499.99 0.50% 0.50%
Balances $2,500 or more 0.65% 0.65%
 
High Yield Reward Checking4 Dividend Rate APY1
Balances up to $7,500.00 6.31% 6.50%
Qualifications Not Met 0.00%
0.00%

Individual Retirement Account Dividend Rate APY1
Balances up to $4,999.99 0.35% 0.35%
Balances up to $24,999.99 0.55% 0.55%
Balances up to $49,999.99 0.60% 0.60%
Balances up to $99,999.99 0.65% 0.65%
Balances $100,000 or more 0.75% 0.75%

Business Savings2 Dividend Rate APY1
Business Savings 0.05% 0.05%

Business High Yield Savings Accounts3 Dividend Rate APY1
Balances $0-$49,999.99 2.00% 2.02%
Balances $50,000-$99,999.99 2.00% 2.02%
Balances $100,000-$249,999.99 0.75% 0.75%
Balances $250,000 or more 0.75% 0.75%


Business MMA Dividend Rate APY1
Balances up to $4,999.99 0.35% 0.35%
Balances up to $24,999.99 0.55% 0.55%
Balances up to $49,999.99 0.60% 0.60%
Balances up to $99,999.99 0.65% 0.65%
Balances $100,000 or more 0.75% 0.75%

1. APY = Annual Percentage Yield. Interest rates on all savings accounts are declared at the end of the month. All rates are subject to change at any time without notice. Fees could reduce the earnings on the account.
2. A minimum balance of $5 in a Savings Account is required to receive applicable APY.

3. Each interest rate will apply only to that portion of the account balance within each balance range. Limit one per primary account holder, personal or business.
4. If all requirements (click here to read all requirements and qualifications) 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.