Genisys Credit Union


Overview / Commentary
248-322-9800
2100 Executive Hills Blvd.
Auburn Hills, MI 48326

Genisys Credit Union is headquartered in Auburn Hills and is the 4th largest credit union in the state of Michigan. It is also the 85th largest credit union in the nation. It was established in 1964 and as of June of 2022, it had grown to 437 employees and 261,705 members at 32 locations. Genisys Credit Union's CD 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 those who live, work, worship, or attend school anywhere in the state of Michigan, the Minnesota counties of Anoka, Dakota, Hennepin, Ramsey, Scott, or Washington, or Montgomery County, Pennsylvania. Immediate family and household members of current Genisys Credit Union members are also eligible to join. If you live outside of the location eligibility or do not qualify based on family eligibility, you can still join by making a contribution to either the Arthritis Foundation or the Paint Creek Center for the Arts.
See current membership details

Related Posts

Genisys Credit Union Hikes 7-Month Share Certificate Special Rate - 6/3/2022

Genisys Credit Union (easy membership requirement) has hiked the rate on its competitive, limited-time 7-month Certificate Special. $500 minimum opening deposit.

Genisys Credit Union Brings Back Competitive 25-Month CD Special - 4/12/2022

Genisys Credit Union (easy membership requirement) has brought back its competitive, limited-time 25-month Certificate Special. $500 minimum opening deposit.

Genisys Credit Union Ups Limited-Time 30-Month CD Special Rate - 1/27/2022

Genisys Credit Union (easy membership) recently raised the rate on its competitive limited-time 30-month Share Certificate Special ($500) by 20 bps.

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Great Account

Posted by: |

I have had an account with Genisys FCU for the past 14 months and have had no problems. Their rates are excellent and their Genius High Yield Checking account is very hard to beat. I would highly recommend.

They Actually Listened To My Concerns!!

Posted by: |

**UPDATE**
Genisys actually listened to my complaints!! They recently added a no fee payment option that comes right out of any checking account. That being said, with their incredibly low rates, no fees to make a payment, and very kind customer service reps, I can now give them 5 stars. I wish the payment option could be saved, that’s the only other issue. But if I don’t have to pay a fee, I’ll take it!!

This was the most ridiculous thing ever... I am already paying interest, but I had no idea a fee would be charged every time I had extra cash to make an additional payment.

My frustration, is your chance to turn around and walk away from this place!

And the app it terrible. So much motivation to pay off and get the heck out of Genisys... I am so upset I would pay another fee just to leave this place.

Fair checking

Posted by: |

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.

My Application To Open IRA CD Was Declined

Posted by: |

I'm a 76 year old retiree, have an 800 credit score, and no open loans (other than credit card which I pay in full each month). After reviewing my account application, Genisys declined to open the account. This was a "first ever" for me, and I phoned them to find out the reason. The CSO told me that I would receive a call-back to explain. Genisys did not call me back. I see from the reviews that other Genisys would-be account applicants have been treated with similar disregard. I do not recommend this financial institution.

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Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees437
Primary Regulator
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD14.16%
Annual Interest Income$64.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$4.26B$3.82B
LoansQ2 2022vs Q2 2021$2.99B$2.43B
DepositsQ2 2022vs Q2 2021$3.61B$3.22B
Equity CapitalQ2 2022vs Q2 2021$564.7MM$565.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$35.5MM$38.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$7.1MM$5.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$129.00K
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: 0.10% $500+
0.50%--Health Savings Account (HSA)
0.20%$5-IRA Savings Account
0.10%$5-Share Savings Account
0.10%--Holiday Savings Account
0.10%--You Name It Savings Account

Genisys Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$1m*-Jumbo Money Market
OTHER TIERS: 0.90% $250k - $500k | 0.95% $500k - $750k | 1.00% $750k - $1m
0.80%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.50% $2.5k - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.65% $50k - $75k | 0.70% $75k - $100k | 0.75% $100k - $250k
0.80%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.50% $100 - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.65% $50k - $75k | 0.70% $75k - $100k | 0.75% $100k - $250k
0.45%$2.5k-IRA Money Market Account

Genisys Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*-$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
4.58%$500-25 Month Share Certificate Special
4.32%$500-13 Month Share Certificate Special
3.80%$500-7 Month Share Certificate Special
3.65%$500-61 Month Share Certificate Special
3.09%$100k-5 Year Jumbo Certificate
3.03%$500-5 Year Share Certificate
3.03%$100-Business 5 Year Share Certificate
2.98%$100k-4 Year Jumbo Certificate
2.93%$500-4 Year Share Certificate
2.93%$100-Business 4 Year Share Certificate
2.83%$100k-3 Year Jumbo Certificate
2.78%$500-3 Year Share Certificate
2.78%$100-Business 3 Year Share Certificate
2.57%$100k-2 Year Jumbo Certificate
2.52%$500-2 Year Share Certificate
2.52%$100-Business 2 Year Share Certificate
2.42%$100-1 Year Flex Certificate
2.42%$100k-18 Month Jumbo Certificate
2.37%$500-18 Month Share Certificate
2.37%$100-Business 18 Month Share Certificate
2.32%$100k-1 Year Jumbo Certificate
2.27%$500-1 Year Share Certificate
2.27%$100-Business 1 Year Share Certificate
2.07%$100k-6 Month Jumbo Certificate
2.02%$500-6 Month Share Certificate
2.02%$100-Business 6 Month Share Certificate

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.58%$500-25 Month IRA Certificate Special
4.32%$500-13 Month IRA Certificate Special
3.65%$500-61 Month IRA Certificate Special
3.09%$100k-5 Year Jumbo IRA Certificate
3.03%$500-5 Year IRA Certificate
2.98%$100k-4 Year Jumbo IRA Certificate
2.93%$500-4 Year IRA Certificate
2.83%$100k-3 Year Jumbo IRA Certificate
2.78%$500-3 Year IRA Certificate
2.57%$100k-2 Year Jumbo IRA Certificate
2.52%$500-2 Year IRA Certificate
2.42%$100k-18 Month Jumbo IRA Certificate
2.37%$500-18 Month IRA Certificate
2.32%$100k-1 Year Jumbo IRA Certificate
2.27%$500-1 Year IRA Certificate
2.07%$100k-6 Month Jumbo IRA Certificate
2.02%$500-6 Month IRA Certificate
Locations

Availability

Detroit Area

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