Genisys Credit Union

Overview / Commentary
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 86th largest credit union in the nation. It was established in 1964 and as of June of 2023, it had grown to 477 employees and 265,738 members at 30 locations. Genisys Credit Union's money market rates are 7X 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 61-Month CD Special Is A Near Rate-Leader - 5/5/2023

Genisys Credit Union (easy membership) has boosted the rate on its 61-month Share Certificate Special to a competitive level. $500 minimum deposit. Also as an IRA CD.

Genisys Credit Union Has 14-Month Flex CD (Add-On, Rate Bump, No Penalty Withdrawal) - 4/24/2023

Genisys Credit Union (easy membership) has added a competitive 14-month Flex CD, with unlimited additional deposits, one penalty-free withdrawal, and one rate bump.

Genisys Credit Union 30-Month CD Special Has Rate-Leading APY - 2/3/2023

Genisys Credit Union (easy membership) has brought back its 30-month Share Certificate Special with a rate-leading APY. $500 minimum opening deposit. Also as an IRA CD.

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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.

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.

No Online CD Applications Accepted For Retirees

I attempted to open a CD using Genisys’ online application process (designed to accept new members) and everything was moving along smoothly until I got to the employer information screen. It would not proceed without employer information, which of course does not exist for a retiree. Thus, I received a notice that manual review would be necessary. As promised, on the first business day following my (failed) application, I received the following email message:
“Thank you for your interest in Genisys Credit Union. Unfortunately, we are unable to continue your membership application online. To complete the membership process we will need the following: 

1)  Completed Membership Application- link below (a PDF file)
2)  If requesting eStatements, please complete the consent form- link below
3)  Copy of driver's license or other government issued ID
4)  Send check for $10 payable to Genisys Credit Union ($5 to establish your account, this will be held in the S1 savings account and $5 for donation to PCCA - (Paint Creek Center for the Arts)

Please mail all of the above documentation to the address below:

Genisys Credit Union (etc)

Based on the Post Office’s delivery standards (five days for out of state mail)
I am not interested in dropping off this data and hoping for the best. I need a financial institution with a more robust online capability.


Posted by: |

I really wish I would have dug a little deeper before shackling myself to this institution. I guess that is on me, but please listen to the rest of us and stay far away. I refinanced my vehicle through them approximately a year ago because they had a better rate and lower payment options than some of the other banks and credit unions I was offered (suggested to me by a third party website). The process of refinancing was not horrible but it was not great either and this should have been my first sign of trouble. Right away, I started having trouble. Not only did I receive no follow up after the refinance as to how to pay on my account (causing my initial payment to be late) but then the online system is next to impossible to use. There is a weird money transfer system just to make a monthly payment and good luck trying to skip a payment if you need to. They require a "donation" to use your allotted once a year skips and the only way to "donate" said money is to deposit money into the checking account that automatically gets opened up for you when you get a loan through them. Except, guess what, can't really do this if you aren't local. Only a wire transfer will do. A wire transfer - for $25. Ridiculous. At one point, somehow my autopayment did not go through (don't even get me started on how much of a pain it is to set up autopay) so this made me late on the account. I was unaware of this however because despite them apparently calling me, no one ever left a message so I had no idea it was them and that there was a problem. Until, that is, they DOUBLE CHARGED my next payment. So instead of $400 coming out of my bank account, nearly $800 came out. Without them telling me. Which essentially made it very difficult for me to pay my bills that month. Also, I get that they're a bank and they need to be secure, but the amount of security you have to go through just to change your password on the online account is ridiculous. I have never experience such low quality online systems and backwards customer service. Can't wait to refinance again and get out of here.



Health Grade Components

NCUA #68536
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.87%
Return on Equity - YTD14.06%
Annual Interest Income$88.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.64B$4.26B
LoansQ2 2023vs Q2 2022$3.47B$2.99B
DepositsQ2 2023vs Q2 2022$3.85B$3.61B
Equity CapitalQ2 2023vs Q2 2022$612.6MM$564.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$35.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$19.3MM$7.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

5.12%*-$500High Yield Youth Savings
OTHER TIERS: 0.10% $500+
3.75%*$100k*-Business High Yield Savings Account
OTHER TIERS: 0.10% Up to $25k | 3.00% $25k - $100k
0.50%--Health Savings Account (HSA)
0.20%--IRA Savings Account
0.10%$5-Share Savings Account
0.10%--Holiday Savings Account
0.10%--You Name It Savings Account
0.10%$5-Business Savings Account

Genisys Credit Union Money Market Rates

3.04%*$1m*-Jumbo Money Market
OTHER TIERS: 2.43% $250k - $500k | 2.63% $500k - $750k | 2.84% $750k - $1m
2.38%*$250k*-High Yield Money Market Account
OTHER TIERS: 1.31% $2.5k - $10k | 1.51% $10k - $25k | 1.71% $25k - $50k | 1.76% $50k - $75k | 1.97% $75k - $100k | 2.17% $100k - $250k
2.38%*$250k*-College Rewards Money Market Account
OTHER TIERS: 1.31% $100 - $10k | 1.51% $10k - $25k | 1.71% $25k - $50k | 1.76% $50k - $75k | 1.97% $75k - $100k | 2.17% $100k - $250k
0.45%$2.5k-IRA Money Market Account

Genisys Credit Union Checking Account Rates

5.25%*-$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

5.51%$500-7 Month Share Certificate Special
5.34%$500-13 Month Share Certificate Special
5.15%$100-14 Month Flex CD Special
4.94%$500-20 Month Share Certificate Special - New Money
4.84%$500-19 Month Share Certificate Special
4.73%$500-25 Month Share Certificate Special
4.09%$100k-3 Year Jumbo Certificate
4.04%$500-3 Year Share Certificate
4.04%$100-Business 3 Year Share Certificate
3.93%$100k-1 Year Jumbo Certificate
3.92%$100k-4 Year Jumbo Certificate
3.88%$500-1 Year Share Certificate
3.88%$100-Business 1 Year Share Certificate
3.86%$500-4 Year Share Certificate
3.86%$100-Business 4 Year Share Certificate
3.80%$100k-5 Year Jumbo Certificate
3.78%$100k-18 Month Jumbo Certificate
3.77%$100-1 Year Flex Certificate
3.75%$500-5 Year Share Certificate
3.75%$100-Business 5 Year Share Certificate
3.73%$500-18 Month Share Certificate
3.73%$100-Business 18 Month Share Certificate
3.71%$100k-6 Month Jumbo Certificate
3.66%$500-6 Month Share Certificate
3.66%$100-Business 6 Month Share Certificate
3.64%$100k-2 Year Jumbo Certificate
3.59%$500-2 Year Share Certificate
3.59%$100-Business 2 Year Share Certificate

Genisys Credit Union IRA Rates

5.34%$500-13 Month IRA Certificate Special
4.84%$500-19 Month IRA Certificate Special
4.73%$500-25 Month IRA Certificate Special
4.09%$100k-3 Year Jumbo IRA Certificate
4.04%$500-3 Year IRA Certificate
3.93%$100k-1 Year Jumbo IRA Certificate
3.92%$100k-4 Year Jumbo IRA Certificate
3.88%$500-1 Year IRA Certificate
3.86%$500-4 Year IRA Certificate
3.80%$100k-5 Year Jumbo IRA Certificate
3.78%$100k-18 Month Jumbo IRA Certificate
3.75%$500-5 Year IRA Certificate
3.73%$500-18 Month IRA Certificate
3.71%$100k-6 Month Jumbo IRA Certificate
3.66%$500-6 Month IRA Certificate
3.64%$100k-2 Year Jumbo IRA Certificate
3.59%$500-2 Year IRA Certificate


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