Genisys Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.15% | 5-year CD | 5 Year Share Certificate 2.25% - Bank of Internet USA 60 Month CD |
| 0.90% | 1-year CD | 1 Year Flex Certificate 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.15% | Savings | You Name It Savings Account 1.20% - Ally Bank Online Savings Account |
Genisys Credit Union is headquartered in Auburn Hills and is the 5th largest credit union in the state of Michigan. It is also the 100th largest credit union in the nation. It was established in 1964 and as of June of 2017, it had grown to 399 employees and 191,911 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
Shareholder
My first and only Credit Union. Love them since the 80's when I think I joined it. I think their website is great and the recent bill payer change was seamless. Very professional outfit. I didn't know they were in the top 200 but I am not surprised.
Personal Attention
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
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.
Terrible Credit Union
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.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68536 |
| Year Chartered | 1964 |
| Employees | 399 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.71% |
| Return on Equity - YTD | 11.66% |
| Annual Interest Income | $37.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $2.32B$2.12B |
| Loans | Q2 2017vs Q2 2016 | $1.39B$1.22B |
| Deposits | Q2 2017vs Q2 2016 | $1.94B$1.76B |
| Equity Capital | Q2 2017vs Q2 2016 | $343.0MM$317.0MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $23.0MM$21.8MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $8.5MM$7.0MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $66.00K$710.00K |
Always verify rates and promotions with the bank or credit union. We are not Genisys Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | - | - | Health Savings Account (HSA) | |
| 0.20% | - | - | IRA 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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 | ||
| 0.20% | $100 | $2,500 | College Rewards Money Market Account | ||
Genisys Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.20% | $100k | - | 5 Year Jumbo Certificate | |
| 2.15% | $500 | - | 5 Year Share Certificate | |
| 1.95% | $100k | - | 4 Year Jumbo Certificate | |
| 1.90% | $500 | - | 4 Year Share Certificate | |
| 1.75% | $100k | - | 3 Year Jumbo Certificate | |
| 1.70% | $500 | - | 3 Year Share Certificate | |
| 1.70% | - | - | 3 Year Youth Certificate | |
| 1.45% | $100k | - | 2 Year Jumbo Certificate | |
| 1.40% | $500 | - | 2 Year Share Certificate | |
| 1.30% | $100k | - | 18 Momth Jumbo Certificate | |
| 1.25% | $500 | - | 18 Month Share Certificate | |
| 1.15% | $100k | - | 1 Year Jumbo Certificate | |
| 1.10% | $500 | - | 1 Year Share Certificate | |
| 0.90% | $100 | - | 1 Year Flex Certificate | |
| 0.70% | $100k | - | 6 Month Jumbo Certificate | |
| 0.65% | $500 | - | 6 Month Share Certificate |
Genisys Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.20% | $100k | - | 5 Year Jumbo IRA Certificate | |
| 2.15% | $500 | - | 5 Year IRA Certificate | |
| 1.95% | $100k | - | 4 Year Jumbo IRA Certificate | |
| 1.90% | $500 | - | 4 Year IRA Certificate | |
| 1.75% | $100k | - | 3 Year Jumbo IRA Certificate | |
| 1.70% | $500 | - | 3 Year IRA Certificate | |
| 1.45% | $100k | - | 2 Year Jumbo IRA Certificate | |
| 1.40% | $500 | - | 2 Year IRA Certificate | |
| 1.30% | $100k | - | 18 Month Jumbo IRA Certificate | |
| 1.25% | $500 | - | 18 Month IRA Certificate | |
| 1.15% | $100k | - | 1 Year Jumbo IRA Certificate | |
| 1.10% | $500 | - | 1 Year IRA Certificate | |
| 0.70% | $100k | - | 6 Month Jumbo IRA Certificate | |
| 0.65% | $500 | - | 6 Month IRA Certificate |
