Safety and Security - Genisys® Credit Union

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Genisys Credit Union has You Protected

If you are looking for a financial institution that offers a safe and secure place to keep your money, then Genisys Credit Union is a wise choice. Why choose Genisys:

star icon   We Are Highly Rated

  • Genisys is one of the strongest financial institutions in the country, with a net worth of two times what the National Credit Union Administration considers well capitalized.
  • Our balance sheet and investments are conservative and our membership is diversified, giving us an extremely strong financial position to weather economic downturns.
  • Genisys has received a Five-Star rating from the independent rating firm, Bauer Financial for the past 35 years. This is the top rating a financial institution can receive for safety and soundness of overall company finances.
  • Genisys Credit Union was named 10th in the Top 50 of "Top-Performing" Credit Unions in the United States by S&P Global Market Intelligence.

building icon   Federal Insurance Protection Strong

  • Member deposits at Genisys are federally insured by the NCUA, through the National Credit Union Share Insurance Fund (NCUSIF). NCUSIF is backed by the full-faith and credit of the United States Government.
  • Genisys Credit Union member deposits are insured up to at least $250,000 per account. Your coverage already may be higher. For Example: Having a joint account increases coverage to $500,000; adding a beneficiary or opening a Trust account can provide additional coverage. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
  • Learn more about the NCUA Share Insurance Fund
  • NCUA Electronic Share Insurance Calculator

The Credit Union Difference

It may not seem like banks and credit unions are very different from each other, but they are! Credit unions operate to benefit its members and not shareholders who own stock in a bank, and who expect dividends/income on that stock.

All of our decisions are made in the best interest of the members, and income made on loans and other products and services goes back to our members (not stockholders) by way of higher dividends and lower fees.

Our Board is also voluntary, not receiving pay for their service. On the other hand, bank Boards are compensated and don't necessarily act in the best interest of their customers, because again they need to maximize profits in order to pay their investor stockholders.

Learn more about the Credit Union Difference

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