Vibe Credit Union: Empowering Communities Through Inclusive Leadership

ROYAL OAK/FERNDALE — Vibe Credit Union’s reopened Royal Oak and Ferndale branches offer more than updated spaces—they reflect a renewed commitment to the community.

For Stephania Mosely, regional director of experience, it’s an opportunity to build stronger relationships in two communities Vibe is eager to serve more fully.

“It really does represent a stronger connection to the people we serve,” Mosely said. “In a way, we’re asking for grace because we’re putting in the work to earn their trust. We’re here to stay, and we’re here to meet their needs—whether that’s opening a new account or providing a business loan. We want to meet local business owners where they are.”

Mosely has been with Vibe for 19 years, starting as branch manager. Her current role reflects her focus: elevating the member experience beyond basic transactions. “How do we make people feel?” she asked. “That’s the question that drives everything we do.”

After the merger with Oakland County Credit Union in 2019, Mosely saw firsthand how limited services at Royal Oak and Ferndale impacted small businesses. Community members could open accounts or use the ATM—but not access full services like cash withdrawals inside the branch or small business support. Vibe temporarily closed both branches last December and pledged to return with full capabilities.

The organization has made inclusivity a top priority, which led Mosely and her staff to focus on making every member feel welcomed and valued.

“We’re asking: ‘What barriers can we remove? What do our members really need?’” she said. “It’s about making sure our members feel heard. Our teams are empowered to meet people where they are, not where we think they should be. Whether it’s a loan after an emergency or someone trying to buy their first car, we’re listening to their individual stories—not just looking at credit scores.”

Mosely leads by example, coaching branch managers to approach every member interaction with empathy and authenticity. She stays engaged with staff and members by taking part in the moments that matter, such as helping a new member navigate their options or celebrating a team win.

Under CEO Chaz Rzewnicki’s leadership, the credit union also places a strong emphasis on workplace culture. “We want people to enjoy working here,” Mosely said. “That translates directly into how they treat our members.”

The heart of Mosely’s work lies in building relationships and developing future leaders. “I love connecting with our teams in the branches—that’s where the real impact happens,” she said. “It’s a passion of mine to help identify leadership potential early on and watch it grow. The most rewarding part is knowing I’ve been part of someone’s journey.”

Vibe Credit Union is located at 501 S. Main St. in Royal Oak and  214 W. Nine Mile Rd. in Ferndale. For more information, call (248) 735-9500 or visit vibecreditunion.com.