Genisys Credit Union


Overview / Commentary
248-322-9800
2100 Executive Hills Boulevard
Auburn Hills, MI 48326-2947

Genisys Credit Union is headquartered in Auburn Hills and is the 5th largest credit union in the state of Michigan. It is also the 96th largest credit union in the nation. It was established in 1964 and as of June of 2019, it had grown to 450 employees and 217,755 members at 31 locations. Genisys Credit Union's money market rates are 3X 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

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Experiences at Genisys Credit Union

We really love Genisys Credit Union. We are in an area that has many of them nearby, which makes it easy to cash checks, and bank. They also allow the use of any credit union ATM for withdrawing funds without getting big charges to do so. We have always appreciated that they know our names, and have spent much time getting things just right for us. Every single associate we have dealt with has been very kind and courteous as well as going the extra lengths required to help us with different problems. Their over draft charges aren't as much a most other banks, and if you make an accidental overdraft they will take it off as long as you pay in the next few days. They have great loan rates and have helped us to improve our credit also. I use the online banking often, and it is very secure and makes me feel at ease. It is also very easy to pay bills and move money between accounts. We always appreciate our time there, and over the phone, as they are very easy to talk to and have very good customer service.

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.

Your Money Is Not Safe At This Institution & They Are Not Insured

I had an unauthorized transaction on my account for $ 11,478.13 and have been trying to work with both the Eagan office and MI main office to get it resolved. I have been a member with Genisys for about 20 years and had my share of issues with them but I thought all was going to be better now that Bruce is gone but now things just got worse. I am working with FDIC to get my money back but they are telling me there is a lapse in there insurance. Do yourself a favor and go some where else!

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Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees450
Primary Regulator
Profit Margin
Return on Assets - YTD1.93%
Return on Equity - YTD11.96%
Annual Interest Income$53.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$2.76B$2.49B
LoansQ2 2019vs Q2 2018$1.91B$1.64B
DepositsQ2 2019vs Q2 2018$2.27B$2.08B
Equity CapitalQ2 2019vs Q2 2018$441.9MM$377.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$23.1MM$24.8MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$10.2MM$9.9MM
Real Estate OwnedQ2 2019vs Q2 2018$0$242.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%*-$500High Yield Youth Savings
OTHER TIERS: 0.15% $500+
0.50%--Health Savings Account (HSA)
0.20%$5-IRA Savings Account
0.15%$5-Share Savings Account
0.15%--Holiday Savings Account
0.15%--You Name It Savings Account

Genisys Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$1m*-Jumbo Money Market
OTHER TIERS: 1.16% $250k - $500k | 1.31% $500k - $750k | 1.46% $750k - $1m
1.00%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $75k | 0.65% $75k - $100k | 0.85% $100k - $250k
1.00%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.40% $100 - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $75k | 0.65% $75k - $100k | 0.85% $100k - $250k
1.00%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $75k | 0.65% $75k - $100k | 0.85% $100k - $250k
0.45%$2.5k-IRA Money Market Account

Genisys Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%*-$7.5kGenius Checking
OTHER TIERS: 0.05% $7.5k+
0.20%*$100k*-Business Checking Plus
OTHER TIERS: 0.05% $10k - $50k | 0.10% $50k - $100k
0.10%$1.5k-Interest Checking Account

Genisys Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.46%$100k-5 Year Jumbo Certificate
2.41%$500-5 Year Share Certificate
2.41%$100-Business 5 Year CD
2.35%$100k-4 Year Jumbo Certificate
2.30%$500-4 Year Share Certificate
2.30%$100-Business 4 Year CD
2.25%$100k-3 Year Jumbo Certificate
2.20%$500-3 Year Share Certificate
2.20%$100-Business 3 Year CD
2.15%$100k-2 Year Jumbo Certificate
2.10%$500-2 Year Share Certificate
2.10%$100-Business 2 Year CD
2.06%$100k-18 Momth Jumbo Certificate
2.00%$500-18 Month Share Certificate
2.00%$100-Business 18 Month CD
1.95%$100k-1 Year Jumbo Certificate
1.90%$500-1 Year Share Certificate
1.90%$100-Business 1 Year CD
1.70%$100-1 Year Flex Certificate
1.50%$100k-6 Month Jumbo Certificate
1.45%$500-6 Month Share Certificate
1.45%$100-Business 6 Month CD

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.46%$100k-5 Year Jumbo IRA Certificate
2.41%$500-5 Year IRA Certificate
2.35%$100k-4 Year Jumbo IRA Certificate
2.30%$500-4 Year IRA Certificate
2.25%$100k-3 Year Jumbo IRA Certificate
2.20%$500-3 Year IRA Certificate
2.15%$100k-2 Year Jumbo IRA Certificate
2.10%$500-2 Year IRA Certificate
2.06%$100k-18 Month Jumbo IRA Certificate
2.00%$500-18 Month IRA Certificate
1.95%$100k-1 Year Jumbo IRA Certificate
1.90%$500-1 Year IRA Certificate
1.50%$100k-6 Month Jumbo IRA Certificate
1.45%$500-6 Month IRA Certificate
Locations

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