Genisys Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.75% | 1-year CD | |
| 2.75% | 1-year IRA | 1.36% - National Average |
| 4.06% | Reward Checking | 1.73% - National Average |
Genisys Credit Union is headquartered in Auburn Hills and is the 5th largest credit union in the state of Michigan. It is also the 97th largest credit union in the nation. It was established in 1964 and as of December of 2018, it had grown to 430 employees and 210,986 members at 31 locations. Genisys Credit Union's money market rates are 5X 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
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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.
Shareholder
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.
Fair checking
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.
Terrible Credit Union
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.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68536 |
| Year Chartered | 1964 |
| Employees | 430 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.85% |
| Return on Equity - YTD | 11.57% |
| Annual Interest Income | $91.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.58B$2.35B |
| Loans | Q4 2018vs Q4 2017 | $1.77B$1.46B |
| Deposits | Q4 2018vs Q4 2017 | $2.12B$1.96B |
| Equity Capital | Q4 2018vs Q4 2017 | $407.3MM$359.7MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $22.5MM$22.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $10.9MM$9.4MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $242.00K$304.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | $1m* | - | Jumbo Money Market | ||
| OTHER TIERS: 1.25% → $250k - $500k | 1.50% → $500k - $750k | 1.75% → $750k - $1m | |||||
| 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 | |||||
| 1.05%* | $250k* | - | Business High Yield Money Market | ||
| 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 | $2.5k | College Rewards Money Market Account | ||
Genisys Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 4.06%* | - | $7.5k | Genius Checking | ||
| OTHER TIERS: 0.15% → $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.30% | $500 | - | 61 Month Share Certificate Special | |
| 3.10% | $500 | - | 30 Month Share Certificate Special | |
| 2.95% | $100k | - | 5 Year Jumbo Certificate | |
| 2.95% | $500 | - | 25 Month Share Certificate Special | |
| 2.90% | $500 | - | 5 Year Share Certificate | |
| 2.90% | $100 | - | Business 5 Year CD | |
| 2.85% | $500 | - | 19 Month Share Certificate Special | |
| 2.75% | $100k | - | 4 Year Jumbo Certificate | |
| 2.75% | $500 | - | 13 Month Share Certificate Special | |
| 2.70% | $500 | - | 4 Year Share Certificate | |
| 2.70% | $100 | - | Business 4 Year CD | |
| 2.61% | $100k | - | 3 Year Jumbo Certificate | |
| 2.55% | $500 | - | 3 Year Share Certificate | |
| 2.55% | $10 | - | 3 Year Youth Certificate | |
| 2.55% | $100 | - | Business 3 Year CD | |
| 2.35% | $100k | - | 2 Year Jumbo Certificate | |
| 2.30% | $500 | - | 2 Year Share Certificate | |
| 2.30% | $100 | - | Business 2 Year CD | |
| 2.25% | $100k | - | 18 Momth Jumbo Certificate | |
| 2.20% | $500 | - | 18 Month Share Certificate | |
| 2.20% | $100 | - | Business 18 Month CD | |
| 2.15% | $100k | - | 1 Year Jumbo Certificate | |
| 2.10% | $500 | - | 1 Year Share Certificate | |
| 2.10% | $100 | - | Business 1 Year CD | |
| 1.75% | $100 | - | 1 Year Flex Certificate | |
| 1.65% | $100k | - | 6 Month Jumbo Certificate | |
| 1.60% | $500 | - | 6 Month Share Certificate | |
| 1.60% | $100 | - | Business 6 Month CD |
Genisys Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.30% | $500 | - | 61 Month IRA Certificate Special | |
| 3.10% | $500 | - | 30 Month IRA Certificate Special | |
| 2.95% | $100k | - | 5 Year Jumbo IRA Certificate | |
| 2.95% | $500 | - | 25 Month IRA Certificate Special | |
| 2.90% | $500 | - | 5 Year IRA Certificate | |
| 2.85% | $500 | - | 19 Month IRA Certificate Special | |
| 2.75% | $100k | - | 4 Year Jumbo IRA Certificate | |
| 2.75% | $500 | $100k | 13 Month IRA Certificate Special | |
| 2.70% | $500 | - | 4 Year IRA Certificate | |
| 2.61% | $100k | - | 3 Year Jumbo IRA Certificate | |
| 2.55% | $500 | - | 3 Year IRA Certificate | |
| 2.35% | $100k | - | 2 Year Jumbo IRA Certificate | |
| 2.30% | $500 | - | 2 Year IRA Certificate | |
| 2.25% | $100k | - | 18 Month Jumbo IRA Certificate | |
| 2.20% | $500 | - | 18 Month IRA Certificate | |
| 2.15% | $100k | - | 1 Year Jumbo IRA Certificate | |
| 2.10% | $500 | - | 1 Year IRA Certificate | |
| 1.65% | $100k | - | 6 Month Jumbo IRA Certificate | |
| 1.60% | $500 | - | 6 Month IRA Certificate |
