Genisys Credit Union


Overview / Commentary
248-322-9800
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 2021, it had grown to 450 employees and 249,535 members at 32 locations. Genisys Credit Union's money market rates are 70% higher than 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 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.

Genisys Credit Union Ups Limited-Time 30-Month CD Special Rate - 1/27/2022

Genisys Credit Union (easy membership) recently raised the rate on its competitive limited-time 30-month Share Certificate Special ($500) by 20 bps.

Genisys Credit Union Ups 5-Year CD And Jumbo CD Rates - 11/19/2021

Genisys Credit Union (easy membership) recently raised the rates on its competitive 5-year Jumbo Certificate ($100k) and 5-year Share Certificate ($500) by 25 bps.

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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.

Quickest Closed Account Ever

Posted by: |

I dutifully went through the extensive online application process which included information pulled from my credit file. I then funded the account from an external bank. The deposit posted and all looked good. Within 12 hours of this, I received a message from a CSR that my account had been closed. No explanation as to why. I suggest you avoid the waste of time in applying here.

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Health
A+

Health Grade Components

Overall
NCUA #68536
Year Chartered1964
Employees450
Primary Regulator
Profit Margin
Return on Assets - YTD2.09%
Return on Equity - YTD13.76%
Annual Interest Income$116.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$4.03B$3.56B
LoansQ4 2021vs Q4 2020$2.59B$2.25B
DepositsQ4 2021vs Q4 2020$3.39B$2.98B
Equity CapitalQ4 2021vs Q4 2020$601.2MM$536.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$32.1MM$36.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$9.5MM$8.7MM
Real Estate OwnedQ4 2021vs Q4 2020$224.00K$129.00K
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
0.75%*$1m*-Jumbo Money Market
OTHER TIERS: 0.60% $250k - $500k | 0.65% $500k - $750k | 0.70% $750k - $1m
0.55%*$250k*-High Yield Money Market Account
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.40% $75k - $100k | 0.45% $100k - $250k
0.55%*$250k*-College Rewards Money Market Account
OTHER TIERS: 0.15% $100 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.40% $75k - $100k | 0.45% $100k - $250k
0.55%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.40% $75k - $100k | 0.45% $100k - $250k
0.45%$2.5k-IRA Money Market Account

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
2.40%$500-61 Month Share Certificate Special
2.06%$100k-5 Year Jumbo Certificate
2.00%$500-5 Year Share Certificate
2.00%$100-Business 5 Year Share Certificate
1.80%$100k-4 Year Jumbo Certificate
1.75%$500-4 Year Share Certificate
1.75%$500-25 Month Share Certificate Special
1.75%$100-Business 4 Year Share Certificate
1.65%$100k-3 Year Jumbo Certificate
1.60%$500-3 Year Share Certificate
1.60%$100-Business 3 Year Share Certificate
1.45%$100k-2 Year Jumbo Certificate
1.40%$500-2 Year Share Certificate
1.40%$500-13 Month Share Certificate Special
1.40%$100-Business 2 Year Share Certificate
1.25%$100k-18 Month Jumbo Certificate
1.25%$500-7 Month Share Certificate Special
1.20%$500-18 Month Share Certificate
1.20%$100-Business 18 Month Share Certificate
1.15%$100-1 Year Flex Certificate
1.05%$100k-1 Year Jumbo Certificate
1.00%$500-1 Year Share Certificate
1.00%$100-Business 1 Year Share Certificate
0.80%$100k-6 Month Jumbo Certificate
0.75%$500-6 Month Share Certificate
0.75%$100-Business 6 Month Share Certificate

Genisys Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$500-61 Month IRA Certificate Special
2.06%$100k-5 Year Jumbo IRA Certificate
2.00%$500-5 Year IRA Certificate
1.80%$100k-4 Year Jumbo IRA Certificate
1.75%$500-4 Year IRA Certificate
1.65%$100k-3 Year Jumbo IRA Certificate
1.60%$500-3 Year IRA Certificate
1.60%$500-25 Month IRA Certificate Special
1.45%$100k-2 Year Jumbo IRA Certificate
1.40%$500-2 Year IRA Certificate
1.40%$500-13 Month IRA Certificate Special
1.25%$100k-18 Month Jumbo IRA Certificate
1.20%$500-18 Month IRA Certificate
1.05%$100k-1 Year Jumbo IRA Certificate
1.00%$500-1 Year IRA Certificate
0.80%$100k-6 Month Jumbo IRA Certificate
0.75%$500-6 Month IRA Certificate
Locations

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