Genisys® Credit Union
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Savings Accounts

Savings Accounts
Effective Date: Friday, April 18th, 2014
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, April 18th, 2014
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, April 18th, 2014
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, April 18th, 2014
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, April 18th, 2014
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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Equal Housing Lender National Credit Union Administration
Routing #272483905
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