Credit union · NCUA insured
Vibe Credit Union CD Rates
A $1.6B credit union, the 312th largest of 4,329, headquartered in Novi, MI, with 74,399 members and 15 branches in Michigan.
How Vibe Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Vibe Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vibe Credit Union
3.80%APY
- Term
- 6–11 months
- Requires
- None
- Minimum
- $200
- Earns on $10,000
- —
Certificate of Deposit
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.80%APY · 8 terms
Valid for qualified Michigan residents or existing Vibe members. Brokered Accounts and Institutional Investors are not eligible. Minimum balance of $5 in a Savings Account is required to receive applicable APY. Early withdrawal penalties apply.
| Term | APY · $200 – $99,999 | APY · $100,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6–11 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 3.80% | — | —3.80% $100k–$250k | — |
| 6–11 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 3.80% | — | — | 3.80% | $188 |
| 6–11 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 3.80% | —3.80% from $250k | — |
| 12–17 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 3.70% | — | —3.70% $100k–$250k | — |
| 12–17 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 3.70% | — | — | 3.70% | $370 |
| 12–17 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 3.70% | —3.70% from $250k | — |
| 18–23 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 3.65% | — | —3.65% $100k–$250k | — |
| 18–23 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 3.65% | — | — | 3.65% | $552 |
| 18–23 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 3.65% | —3.65% from $250k | — |
| 24–29 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 3.35% | — | —3.35% $100k–$250k | — |
| 24–29 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 3.35% | — | — | 3.35% | $681 |
| 24–29 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 3.35% | —3.35% from $250k | — |
| 30–35 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 1.65% | — | —1.65% $100k–$250k | — |
| 30–35 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 1.65% | — | — | 1.65% | $418 |
| 30–35 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 1.65% | —1.65% from $250k | — |
| 36–47 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 1.70% | — | —1.70% $100k–$250k | — |
| 36–47 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 1.70% | — | — | 1.70% | $519 |
| 36–47 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 1.70% | —1.70% from $250k | — |
| 48–59 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 1.80% | — | —1.80% $100k–$250k | — |
| 48–59 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 1.80% | — | — | 1.80% | $740 |
| 48–59 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 1.80% | —1.80% from $250k | — |
| 60 monthsTier balance $100,000 - $249,999. Early withdrawal penalties apply | — | 1.90% | — | —1.90% $100k–$250k | — |
| 60 monthsTier balance $200 - $99,999. Early withdrawal penalties apply | 1.90% | — | — | 1.90% | $987 |
| 60 monthsTier balance $250,000 and Above. Early withdrawal penalties apply | — | — | 1.90% | —1.90% from $250k | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.80%APY · 8 terms
Available as Traditional or Roth IRA. Valid for qualified Michigan residents or existing Vibe members. Brokered Accounts and Institutional Investors are not eligible. Minimum balance of $5 in a Savings Account is required to receive applicable APY. Early withdrawal penalties apply.
| Term | APY · $200 – $99,999 | APY · $100,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6–11 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 3.80% | — | —3.80% $100k–$250k | — |
| 6–11 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 3.80% | — | — | 3.80% | $188 |
| 6–11 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 3.80% | —3.80% from $250k | — |
| 12–17 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 3.70% | — | —3.70% $100k–$250k | — |
| 12–17 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 3.70% | — | — | 3.70% | $370 |
| 12–17 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 3.70% | —3.70% from $250k | — |
| 18–23 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 3.65% | — | —3.65% $100k–$250k | — |
| 18–23 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 3.65% | — | — | 3.65% | $552 |
| 18–23 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 3.65% | —3.65% from $250k | — |
| 24–29 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 3.35% | — | —3.35% $100k–$250k | — |
| 24–29 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 3.35% | — | — | 3.35% | $681 |
| 24–29 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 3.35% | —3.35% from $250k | — |
| 30–35 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 1.65% | — | —1.65% $100k–$250k | — |
| 30–35 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 1.65% | — | — | 1.65% | $418 |
| 30–35 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 1.65% | —1.65% from $250k | — |
| 36–47 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 1.70% | — | —1.70% $100k–$250k | — |
| 36–47 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 1.70% | — | — | 1.70% | $519 |
| 36–47 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 1.70% | —1.70% from $250k | — |
| 48–59 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 1.80% | — | —1.80% $100k–$250k | — |
| 48–59 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 1.80% | — | — | 1.80% | $740 |
| 48–59 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 1.80% | —1.80% from $250k | — |
| 60 monthsTier balance $100,000 - $249,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | 1.90% | — | —1.90% $100k–$250k | — |
| 60 monthsTier balance $200 - $99,999. Traditional and Roth IRA options available. Early withdrawal penalties apply | 1.90% | — | — | 1.90% | $987 |
| 60 monthsTier balance $250,000 and Above. Traditional and Roth IRA options available. Early withdrawal penalties apply | — | — | 1.90% | —1.90% from $250k | — |
Sources (2)
All captured Oct 5, 2026
Who can join Vibe Credit Union
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