CD Accounts
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Last Updated: 05/14/2026
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Highlights
APY (Annual Percentage Yield)
1.71% - 5.20%(Verified 06/21/2024)
Minimum Opening Deposit
Starting at $25
Certificate Term
- 6 months
- 12 months
- 18 months
- 2 years
- 30 months
- 3 years
- 4 years
- 5 years
Vibe Credit Union CD Account Review
Vibe Credit Union CD Account are offered by Vibe Credit Union, a credit union founded in 1936 and based in Royal Oak, MI. Vibe Credit Union High Yield CD Account are available in 50 states and Washington, DC.
Key Takeaways
- Only one share certificate type available. Vibe Credit Union High Yield CD Account only offers traditional share certificate accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 5.20%, which is much higher than the national average for a certificate account.
- Small minimum initial deposit. You only need $25 to open an account.
- Wide selection of certificate terms. Vibe Credit Union High Yield CD Account allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Vibe Credit Union CD Account
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Vibe Credit Union CD Account FAQ
Are share certificates from vibe credit union federally insured?
Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What is the difference between CDs and Share Certificates?
Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.
What types of share certificates does Vibe Credit Union offer?
Vibe Credit Union High Yield CD Account provides the following types of share certificates.- Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
What rates does Vibe Credit Union offer on its share certificates?
Vibe Credit Union High Yield CD Account offers an APY starting at 1.71% and ranging up to 5.20%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding. This is higher than the typical interest rate for online-only checking accounts, which is around 1% APY.
What terms does Vibe Credit Union High Yield CD Account offer?
Vibe Credit Union offers share certificate terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 5.15% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 1.71% - 5.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 5.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 1.71% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 1.81% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 1.91% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 2.02% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 4.60% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 30-month APY | 1.76% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a share certificate account with Vibe Credit Union?
Vibe Credit Union High Yield CD Account require a minimum deposit of $25 to open an account.
What is the grace period for Vibe Credit Union High Yield CD Account?
Vibe Credit Union High Yield CD Account does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new share certificate rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Vibe Credit Union charge?
Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.
Vibe Credit Union charges an early withdrawal fee.
Vibe Credit Union does charge any of the fees we track.
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Hours of Operation
SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturday9:00AM - 12:00PM
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