Credit union · NCUA insured
Vibe Credit Union Savings Rates
Vibe Credit Union’s best savings rate is 0.65% APY on $10,000, with its FU$E MMA. Rates checked October 16, 2026.
How Vibe Credit Union’s savings 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
2.11%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $211
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Vibe Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.02%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.02%
- QualifiedQualified2.11%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vibe Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
Up to 2.11%APY
No minimum balance required to open, but must carry a balance to earn dividends. No monthly maintenance fees. Tiered rate structure; dividends calculated on daily balance and paid monthly. Six free electronic withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 1.86% | — | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| Up to $5,000 | 0.35% | — | |
| $5,000 – $50,000Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 2.11% | $211 | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| $5,000 – $50,000 | 0.60% | $60 | |
| $50,000 – $100,000Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 2.16% | — | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| $50,000 – $100,000 | 0.65% | — | |
| $100,000 – $250,000Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 2.52% | — | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| $100,000 – $250,000 | 1.01% | — | |
| $250,000 – $500,000Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 2.77% | — | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| $250,000 – $500,000 | 1.26% | — | |
| $500,000 and upRequires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. | 3.02% | — | Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance. |
| $500,000 and up | 1.51% | — |
Sources (3)
- vibecreditunion.com
- vibecreditunion.com/personal/save-and-spend/money-market
- vibecreditunion.com/rates
All captured Oct 5, 2026
Excess Share Insurance (ESI) Savings
Up to 2.50%APY
Only accounts designated by Vibe Credit Union as eligible for Excess Share Insurance (ESI) receive additional insurance coverage above standard NCUA limits. ESI coverage is subject to policy terms, conditions, and eligibility requirements, provided at no additional cost to member. Dividend rates declared at end of month. Rates subject to change. $5 minimum balance in Savings Account required to receive applicable APY. Over $5,000,000 is not insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $250,000Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. | 1.50% | — | Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. |
| $250,000 – $500,000Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. | 2.50% | — | Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. |
| $500,000 – $5,000,000Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. | 2.25% | — | Eligible for Excess Share Insurance (ESI) coverage above standard NCUA limits. |
Sources (1)
- vibecreditunion.com/rates · captured Oct 5, 2026
High Yield Savings
2.02%APY on $10,000
No minimum balance required to open in general; $5 minimum opening deposit required when opened online. $5 minimum balance required to receive applicable APY. No monthly maintenance fees. Limit one per primary account holder, personal or business. Tiered rate structure where each interest rate applies only to that portion of the balance within each range. Dividends calculated based on daily balance and paid monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 2.00% |
| $50,000 – $100,000 | 2.00% |
| $100,000 – $250,000 | 0.75% |
| $250,000 and up | 0.75% |
On $10,000 the tiers blend to about 2.02% APY, earning $202 a year.
Sources (3)
- vibecreditunion.com/personal/s…spend/high-yield-savings
- vibecreditunion.com/personal/save-and-spend/savings
- vibecreditunion.com/rates
All captured Oct 5, 2026
FU$E MMA
0.65%APY
Dividends calculated on daily balance and declared/paid monthly. Excluded from High Yield Rewards Checking bonus dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.40% | — |
| $500 – $2,500 | 0.50% | — |
| $2,500 and up | 0.65% | $65 |
Sources (1)
- vibecreditunion.com/rates · captured Oct 5, 2026
Savings
0.05%APY
$25 minimum opening deposit required when opened online. $5 minimum balance in a Savings Account required to receive applicable APY. No monthly maintenance fees. Limit one per primary account holder. Rates subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum balance required to receive applicable APY. Interest rates declared at the end of the month.Any balance | 0.05% | $5 | $5 minimum balance required to receive applicable APY. Interest rates declared at the end of the month. |
Sources (2)
All captured Oct 5, 2026
Special Savings
0.05%APY
No minimum balance requirements and no monthly maintenance fees. Can open with $0. No limit on the number of Special Savings accounts you can open. Interest rates declared at the end of the month. $5 minimum balance required to receive applicable APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum balance in Savings Account required to receive applicable APY. Interest rates declared at the end of the month.Any balance | 0.05% | $5 | $5 minimum balance in Savings Account required to receive applicable APY. Interest rates declared at the end of the month. |
Sources (3)
- vibecreditunion.com/personal/save-and-spend/savings
- vibecreditunion.com/personal/s…nd-spend/special-savings
- vibecreditunion.com/rates
All captured Oct 5, 2026
Special-purpose accounts
Youth High Yield Savings
0.80%APY on $10,000
No minimum balance required to open and no monthly fees. Limit one per youth account holder. Each interest rate applies only to that portion of the balance within each balance range.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 3.00% |
| $2,500 and up | 0.05% |
On $10,000 the tiers blend to about 0.80% APY, earning $80 a year.
Sources (3)
- vibecreditunion.com/personal/s…and-spend/youth-accounts
- vibecreditunion.com/personal/s…spend/high-yield-savings
- vibecreditunion.com/rates
All captured Oct 5, 2026
Individual Retirement Account
0.55%APY
Traditional and Roth IRA options. Dividend rates declared at the end of the month. All rates subject to change at any time without notice. Early withdrawal penalties apply. $5 minimum balance in Savings Account required to receive applicable APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.35% | — |
| $5,000 – $25,000 | 0.55% | $55 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 0.65% | — |
| $100,000 and up | 0.75% | — |
Sources (2)
All captured Oct 5, 2026
Holiday Savings
0.05%APY
No minimum balance requirements and no monthly maintenance fees. Can open with $0. Funds automatically transferred to Checking or Savings account on November 1st. If withdrawn sooner, entire balance must be withdrawn. Interest rates declared at the end of the month. $5 minimum balance required to receive applicable APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds automatically transfer on November 1. Early withdrawal requires withdrawing entire balance. $5 minimum balance in Savings Account required to receive applicable APY.Any balance | 0.05% | $5 | Funds automatically transfer on November 1. Early withdrawal requires withdrawing entire balance. $5 minimum balance in Savings Account required to receive applicable APY. |
Sources (3)
- vibecreditunion.com/personal/save-and-spend/savings
- vibecreditunion.com/personal/s…nd-spend/special-savings
- vibecreditunion.com/rates
All captured Oct 5, 2026
Who can join Vibe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.