Genisys Credit Union


Overview / Commentary
248-322-9800
2100 Executive Hills Boulevard
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 89th largest credit union in the nation. It was established in 1964 and as of December of 2020, it had grown to 442 employees and 236,924 members at 32 locations. Genisys Credit Union has 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

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.

Your Money Is Not Safe At This Institution & They Are Not Insured

I had an unauthorized transaction on my account for $ 11,478.13 and have been trying to work with both the Eagan office and MI main office to get it resolved. I have been a member with Genisys for about 20 years and had my share of issues with them but I thought all was going to be better now that Bruce is gone but now things just got worse. I am working with FDIC to get my money back but they are telling me there is a lapse in there insurance. Do yourself a favor and go some where else!

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Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees442
Primary Regulator
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD10.21%
Annual Interest Income$114.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$3.56B$2.85B
LoansQ4 2020vs Q4 2019$2.25B$2.04B
DepositsQ4 2020vs Q4 2019$2.98B$2.34B
Equity CapitalQ4 2020vs Q4 2019$536.9MM$472.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$36.8MM$21.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$8.7MM$10.8MM
Real Estate OwnedQ4 2020vs Q4 2019$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%$100-1 Year Flex Certificate
0.55%$500-2 Year Share Certificate
0.55%$100k-18 Month Jumbo Certificate
0.55%$100-Business 2 Year Share Certificate
0.50%$100k-1 Year Jumbo Certificate
0.50%$500-18 Month Share Certificate
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
0.30%$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
0.55%$500-2 Year IRA Certificate
0.55%$100k-18 Month Jumbo IRA Certificate
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

Philadelphia Area

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