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 93rd largest credit union in the nation. It was established in 1964 and as of June of 2020, it had grown to 447 employees and 228,691 members at 32 locations. Genisys Credit Union's money market rates are 14% higher than 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

Genisys Credit Union Promotes 3 Certificate Specials - 2/13/2020

Genisys Credit Union (MI/MN/PA) is currently offering three CD Specials: 17-month (2.25% APY), 30-month (2.40% APY), and 61-month (2.65% APY). $500 minimum.

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Experiences at Genisys Credit Union

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.

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.

Pay A Fee To Make A Payment???

Posted by: |

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.

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Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees447
Primary Regulator
Profit Margin
Return on Assets - YTD1.56%
Return on Equity - YTD9.65%
Annual Interest Income$57.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$3.28B$2.76B
LoansQ2 2020vs Q2 2019$2.19B$1.91B
DepositsQ2 2020vs Q2 2019$2.74B$2.27B
Equity CapitalQ2 2020vs Q2 2019$507.4MM$441.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$28.8MM$23.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$7.3MM$10.2MM
Real Estate OwnedQ2 2020vs Q2 2019$0$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
0.50%$250k-Jumbo Money Market
0.45%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $100k - $250k
0.45%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.10% $100 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $100k - $250k
0.45%$2.5k-IRA Money Market Account
0.45%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $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
1.21%$100k-5 Year Jumbo Certificate
1.15%$500-5 Year Share Certificate
1.15%$100-Business 5 Year Share Certificate
1.10%$100k-4 Year Jumbo Certificate
1.05%$500-4 Year Share Certificate
1.05%$100-Business 4 Year Share Certificate
0.95%$100k-3 Year Jumbo Certificate
0.90%$500-3 Year Share Certificate
0.90%$100-Business 3 Year Share Certificate
0.75%$100k-2 Year Jumbo Certificate
0.70%$500-2 Year Share Certificate
0.70%$100-Business 2 Year Share Certificate
0.65%$100-1 Year Flex Certificate
0.65%$100k-18 Month Jumbo Certificate
0.60%$500-18 Month Share Certificate
0.60%$100-Business 18 Month Share Certificate
0.55%$100k-1 Year Jumbo Certificate
0.50%$500-1 Year Share Certificate
0.50%$100-Business 1 Year Share Certificate
0.40%$100k-6 Month Jumbo Certificate
0.35%$500-6 Month Share Certificate
0.35%$100-Business 6 Month Share Certificate

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$100k-5 Year Jumbo IRA Certificate
1.15%$500-5 Year IRA Certificate
1.10%$100k-4 Year Jumbo IRA Certificate
1.05%$500-4 Year IRA Certificate
0.95%$100k-3 Year Jumbo IRA Certificate
0.90%$500-3 Year IRA Certificate
0.75%$100k-2 Year Jumbo IRA Certificate
0.70%$500-2 Year IRA Certificate
0.65%$100k-18 Month Jumbo IRA Certificate
0.60%$500-18 Month IRA Certificate
0.55%$100k-1 Year Jumbo IRA Certificate
0.50%$500-1 Year IRA Certificate
0.40%$100k-6 Month Jumbo IRA Certificate
0.35%$500-6 Month IRA Certificate
Locations

Availability

Minneapolis Area

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