Genisys® Credit Union
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Rates

Savings Accounts

Savings Accounts
Effective Date: Friday, March 27th, 2015
Account TypeDividend RateAPY*Dividend CreditedMinimum Balance

Share Savings (1,3)

0.10% 0.10% Quarterly $5

Holiday Savings (1)

0.10% 0.10% Quarterly $0

You Name It Savings (1)

0.10% 0.10% Quarterly $0

(1) Rates are determined by the Board of Directors and may change at any time.
(3) Minimum balance of $5 required to earn dividends.

Checking Accounts
Effective Date: Friday, March 27th, 2015
Account TypeDividend RateAPY*Minimum Balance

Basic Checking (1)

0.00% 0.00% $0

Interest Checking (1, 4)

0.10% 0.10% $1,500

(1) Rates are determined by the Board of Directors and may change at any time.
(4) Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

Retirement / Education / Health Savings Accounts
Effective Date: Friday, March 27th, 2015
Account TypeDividend RateAPY*Dividend CreditedMinimum Balance

Health Savings (HSA) (1)

0.50% 0.50% Monthly $0

IRA Money Market (1, 6)

0.45% 0.45% Monthly $2,500

IRA Savings (1)

0.20% 0.20% Quarterly $5

(1) Rates are determined by the Board of Directors and may change at any time.
(6) Minimum balance of $2,500 required to earn dividends.

Term Certificates $500 and Above
TermRateAPY*
6 Months 0.35% 0.35%
1 Year 0.60% 0.60%
2 Years 1.00% 1.00%
3 Years 1.20% 1.21%
4 Years 1.40% 1.41%
5 Years 1.75% 1.76%

$500 is the minimum balance required to open account and earn APY.
Rates are reviewed and revised weekly as necessary.

Jumbo and Jumbo IRA Certificates $100,000 and Above
TermRateAPY*
6 Months 0.40% 0.40%
1 Year 0.65% 0.65%
2 Years 1.05% 1.05%
3 Years 1.25% 1.26%
4 Years 1.45% 1.46%
5 Years 1.80% 1.81%

$100,000 is the minimum balance required to open account and earn APY.
Rates are reviewed and revised weekly as necessary.

IRA Certificates $500 and Above
TermRateAPY*
6 Months 0.35% 0.35%
1 Year 0.60% 0.60%
2 Years 1.00% 1.00%
3 Years 1.20% 1.21%
4 Years 1.40% 1.41%
5 Years 1.75% 1.76%

$500 is the minimum balance required to open account and earn APY.
Rates are reviewed and revised weekly as necessary.

Flex Certificate $100 and Above
TermRateAPY*

1 Year (2,8)

0.50% 0.50%

(2) Rates are reviewed and revised weekly as necessary.
(8) Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

High Yield Money Market (1, 6)
Effective Date: Friday, March 27th, 2015
Daily Balance TiersRateAPY*
$2,500 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $74,999 0.35% 0.35%
$75,000 - $99,999 0.40% 0.40%
$100,000 and over 0.45% 0.45%

(1) Rates are determined by the Board of Directors and may change at any time.
(6) Minimum balance of $2,500 required to earn dividends.

College Rewards Money Market (1, 7)
Effective Date: Friday, March 27th, 2015
Daily Balance TiersRateAPY*
$100 and over 0.15% 0.15%

(1) Rates are determined by the Board of Directors and may change at any time.
(7) Minimum balance of $100 required to earn dividends. First $2,500 earns rate equal to $2,500 - $9,999 tier paid for High Yield Money Market. Minimum requirements to qualify.

Products no longer offered
Product NameDividend RateAPY*
Youth Club 0.10% 0.10%
Vacation Club 0.10% 0.10%
Checking (Balances $500-$2499) 0.05% 0.05%
Checking (Balances $2500 and up) 0.05% 0.05%


* Annual Percentage Yield (APY)       

Member savings accounts insured to $250,000; Individual Retirement Accounts insured to $250,000 by the National Credit Union Administration
For more account information please see
Truth In Savings Disclosure
Flex Certificate Disclosure
Certificate Disclosure

 

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Vehicle Loans

Auto Loans
Effective Date: Friday, March 27th, 2015
Model YearAPR as low as*Maximum Term
2010 - 2015 1.99% 72 months
2014 - 2015 1.99% 73-84 months
2013 - 2015 3.24% 84 months
2008 - 2009 3.24% 60 months
2007 & older 5.25% 48 months

*Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit with AutoPay set up from a Genisys checking or savings account.

Recreational Vehicle/Boats
Effective Date: Friday, March 27th, 2015
Boat, RV, Camper, Motorcycle, Personal watercraft, ATV, Snowmobile
Loan AmountAPR as low as*Down PaymentTerm
$0.00 - $9,999 4.49% 10% 60 Months
$10,000 - $19,999 4.49% 10% 84 Months
$20,000 - $29,999 4.49% 10% 120 Months
$30,000 - $49,999 4.49% 10% 144 Months
$50,000 - up 4.49% 10% 180 Months

*Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit with AutoPay set up from a Genisys checking or savings account. Down payment maybe required.

Loan Rates

Personal Loans
Effective Date: Friday, March 27th, 2015
NameAPR as low as*Approximate Term

Personal Loans

8.75%

up to 48 months

*Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit with AutoPay set up from a Genisys checking or savings account.

Personal Loan Special
Effective Date: Friday, March 27th, 2015
NameAPR as low as*Approximate Term

Personal Loan Special

5.99%

up to 60 months

*Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $20,000 with terms up to 60 months. No additional discounts available. Limited time offer.

Personal Line of Credit
Effective Date: Friday, March 27th, 2015
Overdrafts to your checking account
APR as low as*Maximum APR
10.90% 18.00%
*Rates may vary depending upon credit qualifications.

Home Equity Line of Credit
Effective Date: Friday, March 27th, 2015
Variable Rate
Loan to Value up toAPR as low as*Maximum APR
80.00% 3.50% 8.50%
90.00% 4.25% 8.50%
*Rates may vary based on credit qualifications. Certain criteria must be met to qualify for 95% LTV.

Home Equity - Fixed Term
Effective Date: Friday, March 27th, 2015
Loan to Value up toAPR as low as*Approximate Term
80.00% 3.24% up to 3 years
80.00% 3.74% up to 5 years
80.00% 4.24% up to 7 years
80.00% 4.49% up to 10 years
95.00% 3.89% up to 3 years
95.00% 4.09% up to 5 years
95.00% 4.69% up to 7 years
95.00% 4.99% up to 10 years

*Rates and terms may vary depending upon credit qualifications and lien position. A full appraisal may be required depending on credit score. Certain criteria must be met to qualify for 95% LTV. 

 

 

Credit Card Rates

MasterCard Rewards Credit Card
Effective Date: Friday, March 27th, 2015
APR as low as*Maximum APR
10.24% 17.24%

APR is variable and is based on the current prime rate.

MasterCard Platinum Credit Card
Effective Date: Friday, March 27th, 2015
APR as low as*
9.90%

APR is determined at time account is opened and based on your credit qualifications.

 

 

 

Mortgage Rates

Within Michigan Outside of Michigan
 
 

 

Business Checking

Business Checking
Effective Date: Friday, March 27th, 2015
Account TypeDividend RateAPY*Minimum Balance
Business Checking Plus 0.05% 0.05% $10,000-49,999
Business Checking Plus 0.10% 0.10% $50,000-99,999
Business Checking Plus 0.20% 0.20% $100,000 +

Business Loans

Auto Loans
Effective Date: Friday, March 27th, 2015
Model YearAPR as low as*Term
2013-2015 4.24% 60 months
2011-2014 4.74% 48 Months
2011-2014 5.24% 60 Months
2010-2014 5.24% 72 Months
2008-2010 5.24% 36 Months
2008-2009 5.49% 60 Months
$35,000+ 6.24% 84 Months
*Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability.

Line of Credit/Overdraft
Effective Date: Friday, March 27th, 2015
APR as low as*Maximum Loan Amount
12.90% $10,000
*Loans are not eligible for discounts, GAP, MRC or credit life/disability.
Maximum total loan aggregate can not exceed $49,999.

Term Loan
Effective Date: Friday, March 27th, 2015
APR as low as*Down PaymentMaximum Loan AmountTerm
13.00% 20% $40,000 60 Months
*Loans are not eligible for discounts, GAP, MRC or credit life/disability.
Maximum total loan aggregate can not exceed $49,999.

Machinery/Equipment Loan
Effective Date: Friday, March 27th, 2015
APR as low as*Down PaymentMaximum Loan AmountTerm
7.75% 20% $40,000 60 Months
*Loans are not eligible for discounts, GAP, MRC or credit life/disability.
Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999

Equal Housing Lender National Credit Union Administration
Routing #272483905
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