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Save for the future

IRAs from Genisys give you competitive credit union rates as you save for your future.  Open your IRA with any amount and make regular contributions through Direct Deposit, by mail or in person and know you have made a secure investment in your retirement planning.

Choose the IRA that is right for you

Traditional IRA – With this IRA, you may qualify for a tax-deductible contribution—and that means your overall tax bill at the time of funding will be lower.   Learn more about Traditional IRAs

Roth IRA – Contributions are made with after-tax dollars.  At retirement, both your contributions and the earnings may generally be taken out as tax-free withdrawals.  Learn more about Roth IRAs

Coverdell Education Savings Account – Contribute Savings Account (CESA) – Federally sponsored savings vehicles for children. You can put up to $2,000 per year in your child’s CESA and you do not have to have earned income in order to qualify to make an ESA contribution.   Learn more about Coverdell Education Savings Accounts


Open your IRAs with the account that best fits your needs

Savings – Open your IRA with no minimum and make contributions any time.

Money Market – The IRA Money Market is a high yield, short-term investment vehicle. Because the IRA Money Market combines the retirement planning benefits of an IRA with the convenience and liquidity of a money market account, you can put your money to work for you while you weigh your future retirement planning investment options.  Or use it to hold funds that you’ll want access to as you reach your IRA distribution age.

Certificate – If you have Genisys Credit Union IRAs, you can transfer as little as $500 to a Genisys Credit Union Certificate and earn even higher rates.

Learn more about credit union share insurance for your IRA accounts at Genisys.


Retirement Planning Resources                                               

When you have more questions, are looking for retirement planning tools or are ready to open an investment account, click on our Retirement Central Module for help.  Retirement Central gives you practical ideas you can apply today to help you achieve financial security in retirement.  

Retirement Planning Tools – use these tools for payout, projections and comparison calculations

Life Stages:  In this section, you have the opportunity to explore some of the key topics you should consider at various life stages to help ensure a successful retirement.

Retirement FAQs:  Within this section of Retirement Central, you'll find answers to the most commonly asked retirement planning questions.


Open an IRA Today!


Featured Rates

Featured Rates
Effective Date: Saturday, February 13th, 2016
NameAPR as low as*

Loans (as low as)

Auto Loans 1.99% APR

Personal Loan Special

6.49% APR
*APR=Annual Percentage Rate. *APY=Annual Percentage Yield.

All Genisys Rates


Certificates 2.02% APY*
Money Market .45% APY
Equal Housing Lender National Credit Union Administration
Routing #272483905
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