Credit union · NCUA insured
Vibe Credit Union
A $1.6B credit union, the 312th largest of 4,329, headquartered in Novi, MI, with 74,399 members and 15 branches in Michigan. Best rates: savings 0.65% APY.
Vibe Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#35 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vibe Credit Union
Founded in 1936 by ten Michigan Bell Telephone Company employees to help one another save, borrow, and grow, Vibe Credit Union is based in Novi, Michigan.
Originally Telephone Employees Credit Union, it became Telcom Credit Union in 1982, Vibe Credit Union in 2013, and merged with Oakland County Credit Union in 2019.
Today, the not-for-profit credit union operates branches throughout the Lower Peninsula of Michigan.
- Headquarters
- 44575 W Twelve Mile Rd, Novi, MI 48377-2505
- NCUA charter
- 61522
Branches
15 branches in Michigan
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Michigan
15 branches
- Berkley Branch3082 Coolidge Hwy, Berkley, MI 48072Directions
- Canton Branch44300 Warren Rd, Canton, MI 48187Directions
- Clarkston Branch6580 Dixie Hwy, Clarkston, MI 48346Directions
- Ferndale Branch214 W 9 Mile Rd, Ferndale, MI 48220Directions
- Livonia Branch16825 Middlebelt Rd, Livonia, MI 48154Directions
- Novi Branch44777 W Twelve Mile Rd, Novi, MI 48377Directions
- Oxford Branch968 N Lapeer Rd, Oxford, MI 48371Directions
- Royal Oak Branch501 S Main St, Royal Oak, MI 48067Directions
- South Lyon Branch21985 Pontiac Trl, South Lyon, MI 48178Directions
- Southfield26595 Evergreen Rd, Southfield, MI 48076Directions
- Metro Parkway Branch2405 Metropolitan Pkwy, Sterling Heights, MI 48310Directions
- Sterling Heights Branch33950 Van Dyke Ave, Sterling Heights, MI 48312Directions
- Waterford - County Campus Branch1220 County Center Dr W, Waterford, MI 48328Directions
- Waterford - M59 Branch6655 Highland Rd, Waterford, MI 48327Directions
- West Bloomfield Branch7800 Pontiac Trl, West Bloomfield, MI 48323Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.46% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.61% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalNet worth ratio10.46%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Vibe Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.