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 87th largest credit union in the nation. It was established in 1964 and as of December of 2022, it had grown to 465 employees and 257,736 members at 30 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 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.

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.

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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: |

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.

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.



Health Grade Components

NCUA #68536
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.97%
Return on Equity - YTD15.2%
Annual Interest Income$142.0MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$4.47B$4.03B
LoansQ4 2022vs Q4 2021$3.27B$2.59B
DepositsQ4 2022vs Q4 2021$3.68B$3.39B
Equity CapitalQ4 2022vs Q4 2021$570.1MM$601.2MM
Loan Loss AllowanceQ4 2022vs Q4 2021$40.4MM$32.1MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$18.1MM$9.5MM
Real Estate OwnedQ4 2022vs Q4 2021$0$224.00K
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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+
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

Genisys Credit Union Money Market Rates

1.36%*$1m*-Jumbo Money Market
OTHER TIERS: 1.16% $250k - $500k | 1.21% $500k - $750k | 1.26% $750k - $1m
1.06%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.75% $2.5k - $10k | 0.80% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $75k | 0.95% $75k - $100k | 1.00% $100k - $250k
1.06%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.75% $100 - $10k | 0.80% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $75k | 0.95% $75k - $100k | 1.00% $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

4.84%$500-30 Month Share Certificate Special
4.58%$500-19 Month Share Certificate Special
4.42%$500-13 Month Share Certificate Special
4.06%$500-61 Month Share Certificate Special
4.06%$500-7 Month Share Certificate Special
3.60%$100k-5 Year Jumbo Certificate
3.55%$500-5 Year Share Certificate
3.55%$100-Business 5 Year Share Certificate
3.49%$100k-4 Year Jumbo Certificate
3.44%$500-4 Year Share Certificate
3.44%$100-Business 4 Year Share Certificate
3.34%$100k-3 Year Jumbo Certificate
3.29%$500-3 Year Share Certificate
3.29%$100-Business 3 Year Share Certificate
3.09%$100k-2 Year Jumbo Certificate
3.03%$500-2 Year Share Certificate
3.03%$100-Business 2 Year Share Certificate
2.93%$100k-18 Month Jumbo Certificate
2.88%$500-18 Month Share Certificate
2.88%$100-Business 18 Month Share Certificate
2.83%$100k-1 Year Jumbo Certificate
2.78%$500-1 Year Share Certificate
2.78%$100-Business 1 Year Share Certificate
2.68%$100-1 Year Flex Certificate
2.57%$100k-6 Month Jumbo Certificate
2.52%$500-6 Month Share Certificate
2.52%$100-Business 6 Month Share Certificate

Genisys Credit Union IRA Rates

4.84%$500-30 Month IRA Certificate Special
4.58%$500-19 Month IRA Certificate Special
4.42%$500-13 Month IRA Certificate Special
4.06%$500-61 Month IRA Certificate Special
3.60%$500-5 Year IRA Certificate
3.55%$100k-5 Year Jumbo IRA Certificate
3.49%$500-4 Year IRA Certificate
3.44%$100k-4 Year Jumbo IRA Certificate
3.34%$500-3 Year IRA Certificate
3.29%$100k-3 Year Jumbo IRA Certificate
3.09%$500-2 Year IRA Certificate
3.03%$100k-2 Year Jumbo IRA Certificate
2.93%$500-18 Month IRA Certificate
2.88%$100k-18 Month Jumbo IRA Certificate
2.83%$500-1 Year IRA Certificate
2.78%$100k-1 Year Jumbo IRA Certificate
2.57%$500-6 Month IRA Certificate
2.52%$100k-6 Month Jumbo IRA Certificate


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