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 88th largest credit union in the nation. It was established in 1964 and as of June of 2021, it had grown to 454 employees and 242,055 members at 32 locations. Genisys Credit Union has 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 Offers High Yield But Low Cap Reward Checking - 8/4/2021

Genisys Credit Union is now an easy membership requirement credit union, making its rewards checking account, Genius Checking, available on a nationwide basis.

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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.

Personal Attention

Posted by: |

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: |

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.

Worst Bank

Posted by: |

Stay away from this bank. Terrible. Everyone is rude. No one Answers the phone. I bought a car with them 2 years ago because I got into some financial trouble they said would take care of me. They even sold me a terrible warranty with the car that did not cover anything. And she tried to argue with me that I didn’t buy it from the bank from the loan officer that sold it to me. So when the car broke down I got stuck paying it. Then they try to say I didn’t have any insurance on my vehicle and added more money on my loan without me knowing. So it made my payments go up. They don’t care here at all. Now I’m stuck paying for a car that barely works. They are scammers if you have an account with them I would watch every day and check. This is the only website where they have 4 stars type in genisys credit union on google to read the reviews before you sign up.

VIEW MORE REVIEWS

Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees454
Primary Regulator
Profit Margin
Return on Assets - YTD1.87%
Return on Equity - YTD12.54%
Annual Interest Income$55.7MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.82B$3.28B
LoansQ2 2021vs Q2 2020$2.43B$2.19B
DepositsQ2 2021vs Q2 2020$3.22B$2.74B
Equity CapitalQ2 2021vs Q2 2020$565.6MM$507.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$38.1MM$28.8MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$5.5MM$7.3MM
Real Estate OwnedQ2 2021vs Q2 2020$129.00K$0
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
0.45%$2.5k-IRA Money Market Account
0.45%$250k-Jumbo Money Market
0.40%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k | 0.25% $75k - $100k | 0.30% $100k - $250k
0.40%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k | 0.25% $75k - $100k | 0.30% $100k - $250k
0.40%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k | 0.25% $75k - $100k | 0.30% $100k - $250k

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
1.05%$100k-5 Year Jumbo Certificate
1.00%$500-5 Year Share Certificate
1.00%$100-Business 5 Year Share Certificate
0.95%$100k-4 Year Jumbo Certificate
0.90%$500-4 Year Share Certificate
0.90%$100-Business 4 Year Share Certificate
0.80%$100k-3 Year Jumbo Certificate
0.75%$500-3 Year Share Certificate
0.75%$100-Business 3 Year Share Certificate
0.60%$100k-2 Year Jumbo Certificate
0.60%$500-19 Month Share Certificate Special
0.55%$500-2 Year Share Certificate
0.55%$100k-18 Month Jumbo Certificate
0.55%$500-13 Month Share Certificate Special
0.55%$100-Business 2 Year Share Certificate
0.50%$100k-1 Year Jumbo Certificate
0.50%$500-18 Month Share Certificate
0.50%$500-7 Month Share Certificate Special
0.50%$100-Business 18 Month Share Certificate
0.45%$500-1 Year Share Certificate
0.45%$100-Business 1 Year Share Certificate
0.35%$100k-6 Month Jumbo Certificate
0.35%$100-1 Year Flex Certificate
0.30%$500-6 Month Share Certificate
0.30%$100-Business 6 Month Share Certificate

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$100k-5 Year Jumbo IRA Certificate
1.00%$500-5 Year IRA Certificate
0.95%$100k-4 Year Jumbo IRA Certificate
0.90%$500-4 Year IRA Certificate
0.80%$100k-3 Year Jumbo IRA Certificate
0.75%$500-3 Year IRA Certificate
0.60%$100k-2 Year Jumbo IRA Certificate
0.60%$500-19 Month IRA Certificate Special
0.55%$500-2 Year IRA Certificate
0.55%$100k-18 Month Jumbo IRA Certificate
0.55%$500$100k13 Month IRA Certificate Special
0.50%$100k-1 Year Jumbo IRA Certificate
0.50%$500-18 Month IRA Certificate
0.45%$500-1 Year IRA Certificate
0.35%$100k-6 Month Jumbo IRA Certificate
0.30%$500-6 Month IRA Certificate
Locations

Availability

Detroit Area

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