2. Genisys Credit Union

Genisys Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.03%Reward Checking
1.25% - Axos Bank Rewards Checking - 3 Qualifications
2.75%5-year CD
3.10% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.50%1-year CD
2.55% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
View all Genisys Credit Union rates »

Overview / Commentary
www.genisyscu.org
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 98th largest credit union in the nation. It was established in 1964 and as of June of 2018, it had grown to 418 employees and 204,523 members at 31 locations. Genisys Credit Union's money market rates are 2X 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

Related Posts

200,000 At Genisys - 4/8/2018

Not exactly a deal, but Genisys now has more than 200,000 members, which is a big deal.

Reviews (10)

Experiences at Genisys Credit Union

Posted by: jerrioliver92 | May 29, 2018

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.

1

Shareholder

Posted by: Dick Faulkner | Aug 19, 2017

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.

1

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.

2

Terrible Credit Union

Posted by: Mary Turk | Mar 16, 2017

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.

5
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Health
A+

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees418
Primary Regulator
Profit Margin
Return on Assets - YTD1.73%
Return on Equity - YTD11.35%
Annual Interest Income$42.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$2.49B$2.32B
LoansQ2 2018vs Q2 2017$1.64B$1.39B
DepositsQ2 2018vs Q2 2017$2.08B$1.94B
Equity CapitalQ2 2018vs Q2 2017$377.6MM$343.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$24.8MM$23.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$9.9MM$8.5MM
Real Estate OwnedQ2 2018vs Q2 2017$242.00K$66.00K
Rates
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* 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
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
1.05%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.65% → $2.5k - $10k | 0.70% → $10k - $50k | 0.75% → $50k - $75k | 0.85% → $75k - $100k | 0.95% → $100k - $250k
0.45%$2.5k-IRA Money Market Account
0.40%$100$2.5kCollege Rewards Money Market Account

Genisys Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%*-$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
3.20%$500-61 Month Share Certificate Special
3.06%$500-30 Month Share Certificate Special
2.95%$500-25 Month Share Certificate Special
2.85%$500-19 Month Share Certificate Special
2.80%$100k-5 Year Jumbo Certificate
2.75%$500-5 Year Share Certificate
2.75%$500$100k13 Month Share Certificate Special
2.60%$100k-4 Year Jumbo Certificate
2.55%$500-4 Year Share Certificate
2.40%$100k-3 Year Jumbo Certificate
2.35%$500-3 Year Share Certificate
2.35%$10-3 Year Youth Certificate
2.20%$100k-2 Year Jumbo Certificate
2.15%$500-2 Year Share Certificate
1.80%$100k-18 Momth Jumbo Certificate
1.75%$100k-1 Year Jumbo Certificate
1.75%$500-18 Month Share Certificate
1.70%$500-1 Year Share Certificate
1.60%$100k-6 Month Jumbo Certificate
1.55%$500-6 Month Share Certificate
1.50%$100-1 Year Flex Certificate

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$500-61 Month IRA Certificate Special
3.06%$500-30 Month IRA Certificate Special
2.95%$500-25 Month IRA Certificate Special
2.85%$500-19 Month IRA Certificate Special
2.80%$100k-5 Year Jumbo IRA Certificate
2.75%$500-5 Year IRA Certificate
2.75%$500$100k13 Month IRA Certificate Special
2.60%$100k-4 Year Jumbo IRA Certificate
2.55%$500-4 Year IRA Certificate
2.40%$100k-3 Year Jumbo IRA Certificate
2.33%$500-3 Year IRA Certificate
2.20%$100k-2 Year Jumbo IRA Certificate
2.15%$500-2 Year IRA Certificate
1.80%$100k-18 Month Jumbo IRA Certificate
1.75%$100k-1 Year Jumbo IRA Certificate
1.75%$500-18 Month IRA Certificate
1.70%$500-1 Year IRA Certificate
1.60%$100k-6 Month Jumbo IRA Certificate
1.55%$500-6 Month IRA Certificate
Locations

Availability



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