Featured Savings Rates
Featured Accounts

Genisys Credit Union

Popular Accounts at this Credit Union

2.05%5-year CD5 Year Share Certificate
0.50%1-year CD1 Year Flex Certificate
0.15%SavingsYou Name It Savings Account

Overview / Commentary
2100 Executive Hills Dr
Auburn Hills, MI 48326-2947

Genisys Credit Union is headquartered in Auburn Hills and is the 4th largest credit union in the state of Michigan. It is also the 95th largest credit union in the nation. It was established in 1964 and as of March of 2017, it had grown to 387 employees and 189,340 members at 28 locations. Genisys Credit Union's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Genisys Credit Union is open to the following: (1) those who live, work, attend school or worhsip in the state of Michigan; (2) those who live, work, attend school or worship in Ramsey, Dakota, Anoka, Hennepin, Scott and Washington Counties in Minnesota; (3) those who live, work, attend school or worship in Montgomery County in Pennsylvania; (4) immediate family of those eligible to join.
See current membership details

Reviews (8)


Posted by: RLD | Aug 14, 2012

I have been banking with Genisys Credit Union for over a year now and have been so impressed with the people and the service they provide.  The employees in every branch I have been in have been so friendly and helpful and I love their new iPhone banking application. 

Personal Attention

Posted by: cboan1 | Feb 21, 2012

My wife and I have been thinking of making a bank change for some time and considering numerous local banks.  We've walked into a few, called on a few, and checked reviews on some banks.  Only to figure out the bank for us was right in front of us.  So we set up an appointment with Lynn to talk about banking options.  We can honestly say we were blown away with the Customer Service we received from Lynn Middleton.  She listened to all of our needs and was able to find a program for our situation at a GREAT rate!  I would highly recommend Lynn to any of my close friends and family!

Fair checking

Posted by: JonasEfke | Sep 29, 2014

Genisys is a local credit union and not beholden to the corporate bureaucracy of some of the larger banks. They always seem to have a smile on their faces and are much more likely to have a relationship with their clients. They are local and support our local economy and best of all aren't beholden to some giant firm led by greedy criminals. They have never charged me an undeserved fee and they don't seem to gouge.


This is a great bank to work with. All the workers are very friendly, understanding, and patient. They can be trusted and are known to be loyal for handling and holding onto my money. Great bank overall.

Terrible Credit Union

Posted by: Mary Turk | Mar 16, 2017

This is a terrible credit union.....their web site is the worst! And customer service is little to none. As soon as you call them, the recording will keep referring you to the web site. Then, if you have no choice but to talk to a human, usually there are atleaset 5 people in front of you. Go to ANY OTHER CREDIT UNION besides this one.

Just Ok Nothing Special

Posted by: miket41 | Aug 3, 2016

Main branch has ONLY 1 ATM, for the main branch. Inside only 5 employees in this large building are helping customers. You would think that customer service would be more front and center.


My husband and I have a number of different accounts with different banks and credit unions. We were hoping to make Genisys our main location for a majority of our money. They seemed great, really helpful, and never any issues for a full year. That all changed this week. Randomly two days ago, our account with them was charged $170 in NSF fees. We have clearly more than enough money to not warrant any overdraft fees. There is no negative balance and there has never been a negative balance. We keep the bare minimum in the savings ($5) as our real savings is held elsewhere. The checking had over $3000 when the fees started getting applied. Even after the 6 NSF fees went thru and a few payment transactions, the account was still more than positive. We called the bank and were told we'd get a call back in 10 minutes. No call, called back. Another 10 minutes. Called back, and another. Finally I called the Customer Service main line out of their home office in Michigan. They told me they cannot do anything. Only the local branch manager can reverse NSF fees. They tell me they got ahold of the manager on the other line and they refuse to reverse the fees. No one at the branch will transfer me to the manager, and the manager refused to speak with me through their main branch line when I called in. Went in to cancel account and withdraw the rest of our $, the manager had already left. How disappointing! Worst customer service ever. Telling all of our friends and family and spreading the word. I would HATE for this to happen to anyone else. AVOID them and SPREAD the word so this happens to no one else. Their immature refusal to speak with me on the matter was the worst mistake they made. Refusing the refund the fees was the 2nd worst. Do not work with them. They are unprofessional and steal your money!

Genisys Is A Credit Union That Acts Like A Big Bank.

Nice website and good loan programs. Corp office customer support is really rude and not professional. I have been using credit unions for over 20 years and will NEVER use Genisys again.


Health Grade Components

NCUA #68536
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.63%
Return on Equity - YTD11.19%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.35B$2.07B
LoansQ1 2017vs Q1 2016$1.32B$1.18B
DepositsQ1 2017vs Q1 2016$1.94B$1.73B
Equity CapitalQ1 2017vs Q1 2016$330.9MM$306.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$23.2MM$20.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$8.2MM$7.1MM
Real Estate OwnedQ1 2017vs Q1 2016$95.00K$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Genisys Credit Union Savings Account Rates

0.50%--Health Savings Account (HSA)
0.20%--IRA Savings Account
0.20%--Roth IRA Savings Account
0.20%--Coverdell Education Savings Account
0.15%--Share Savings Account
0.15%--Holiday Savings Account
0.15%--You Name It Savings Account

Genisys Credit Union Money Market Rates

0.60%*$100k*-High Yield Money Market Account
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.40% $50k - $75k | 0.50% $75k - $100k
0.45%$2,500-IRA Money Market Account
0.45%$2,500-Roth IRA Money Market Account
0.45%$2,500-Coverdell ESA Money Market
0.20%$100$2,500College Rewards Money Market Account

Genisys Credit Union Checking Account Rates

0.20%*$100k*-Business Checking Plus
OTHER TIERS: 0.05% $10k - $50k | 0.10% $50k - $100k
0.10%$1,500-Interest Checking Account

Genisys Credit Union CD Rates

2.10%$100k-5 Year Jumbo Certificate
2.05%$500-5 Year Share Certificate
1.85%$100k-4 Year Jumbo Certificate
1.80%$500-4 Year Share Certificate
1.65%$100k-3 Year Jumbo Certificate
1.60%$500-3 Year Share Certificate
1.46%--3 Year Youth Certificate
1.35%$100k-2 Year Jumbo Certificate
1.30%$500-2 Year Share Certificate
1.01%$100k-18 Momth Jumbo Certificate
0.96%$500-18 Month Share Certificate
0.91%$100k-1 Year Jumbo Certificate
0.86%$500-1 Year Share Certificate
0.51%$100k-6 Month Jumbo Certificate
0.50%$100-1 Year Flex Certificate
0.46%$500-6 Month Share Certificate

Genisys Credit Union IRA Rates

2.10%$100k-5 Year Jumbo IRA Certificate
2.05%$500-5 Year IRA Certificate
1.85%$100k-4 Year Jumbo IRA Certificate
1.80%$500-4 Year IRA Certificate
1.65%$100k-3 Year Jumbo IRA Certificate
1.60%$500-3 Year IRA Certificate
1.35%$100k-2 Year Jumbo IRA Certificate
1.30%$500-2 Year IRA Certificate
1.01%$100k-18 Month Jumbo IRA Certificate
0.96%$500-18 Month IRA Certificate
0.91%$100k-1 Year Jumbo IRA Certificate
0.86%$500-1 Year IRA Certificate
0.51%$100k-6 Month Jumbo IRA Certificate
0.46%$500-6 Month IRA Certificate

Genisys Credit Union has 28 locations. Click to view all Genisys Credit Union locations.