Grow Your Money Faster With a Federally Insured Savings Certificate.
When you are looking for a safe, guaranteed return on your money, a Savings Certificate from Genisys is a great choice. You will earn a fixed rate, guaranteed for the term you choose. Plus, our credit union rates are generally higher than the certificate of deposit rates offered by banks.
Which Savings Certificate Is Right For You?
Different types of savings certificates can help you achieve different financial goals, depending on your current budget, your initial deposit, and what you want to do with your savings when they mature.
Savings Certificates
Open an account with as little as $500 for terms of 6 months to 5 years.
Flex Savings Certificate
Open an account with just $100 and get three options during your one-year term.
- Make additional deposits of $10 to $25,000 per day to your Flex Certificate.
- Withdraw up to 25% of your principal one time throughout the term without an early withdrawal penalty.
- Bump-up the rate one time during the term should the offered rate on a Genisys Credit Union Flex Certificate increase.
Jumbo Savings Certificates have a minimum balance of $100,000 and earn higher dividend rates than our Savings Certificates.
Current Savings Certificate Rates
Certificate Specials
Effective Date: Monday, November 24th, 2025
| Term | Dividend Rate | APY* |
| 7 Months |
4.33% |
4.40% |
| 13 Months |
4.23% |
4.30% |
| 14 Month Flex CD1 |
4.05% |
4.11% |
| 19 Months |
4.14% |
4.20% |
| 25 Months |
4.04% |
4.10% |
Open an Account Open in Online Banking Certificate Calculator *Annual Percentage Yield designated as APY. Certificate specials are for a limited time and the credit union may end it at anytime without notice. Minimum certificate opening balance is $500. Specials are non-renewable. 7 month term will renew into a 6 month term, 13 month term will renew into a 12 month term, 19 month term will renew into a 18 month term, 25 month term will renew into an 24 month term certificate. Penalty for early withdrawal.
1. 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. 14 Month Flex CD renews into a regular 1 year certificate. Penalty for early withdrawal. |
Term Certificates $500 and Above
Effective Date: Monday, November 24th, 2025
| Term | Dividend Rate | APY* |
| 6 Months |
3.21% |
3.25% |
| 1 Year |
3.31% |
3.35% |
| 18 Months |
3.39% |
3.43% |
| 2 Years |
3.44% |
3.48% |
| 3 Years |
3.36% |
3.40% |
| 4 Years |
3.67% |
3.72% |
| 5 Years |
3.71% |
3.76% |
Open an Account Open in Online Banking Certificate Calculator $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. |
Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Monday, November 24th, 2025
| Term | Dividend Rate | APY* |
| 6 Months |
3.49% |
3.54% |
| 1 Year |
3.38% |
3.42% |
| 18 Months |
3.30% |
3.34% |
| 2 Years |
3.37% |
3.41% |
| 3 Years |
3.56% |
3.61% |
| 4 Years |
3.75% |
3.80% |
| 5 Years |
3.85% |
3.91% |
Open an Account Open in Online Banking Certificate Calculator $100,000 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. |
Flex Certificate $100 and Above
Effective Date: Monday, November 24th, 2025
| Term | Dividend Rate | APY* |
| 1 Year |
3.21% |
3.25% |
| 14 Month Flex CD Special |
4.05% |
4.11% |
Open an Account Open in Online Banking Certificate Calculator- Annual Percentage Yield designated as APY and subject to change at any time..
- 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. 14 Month Flex CD renews into a regular 1 year certificate. Penalty for early withdrawal.
|
Share Certificate Savings Account FAQs
Share certificates are a type of savings account that earns a fixed APY for a predetermined amount of time. While standard savings accounts can be maintained indefinitely, share certificates earn higher rates of interest with a set end date in place and are often used for shorter amounts of time. Term lengths for savings certificates can range from a few months to a few years.
Yes! All funds in Genisys Credit Union Accounts are insured by the National Credit Union Share Insurance Fund, up to the same limits as federal deposit insurance for banks. To learn more about how this share certificate insurance works, visit ncua.gov.
Genisys share certificate & savings certificate dividends are paid and compounded quarterly. The interest rate and term length of the certificate are determined at the time of initial deposit when the certificate is opened. If you have another Genisys account, you may elect to have these dividends transferred to another Genisys account quarterly.
While you can withdraw funds from your share certificate whenever you want, you will generally incur an early withdrawal penalty if you do so before the end of your term. The amount of this penalty will depend on the terms of the certificate, as well as the amount of the withdrawal, but penalties are generally classified as:
- 90 days of earned dividends for certificates of 14 months or less
- 180 days of earned dividends for terms longer than 14 months
These penalty amounts may also reduce your principal amount.
The money from your certificate can be withdrawn at any Genisys branch location, or by contacting a Financial Services Representative at 800-521-8440, Ext.5, but please be aware of the potential penalties for early withdrawal.
Share certificates are very similar to CDs, or certificates of deposit. Share certificates and CDs both work in the same basic manner, but share certificates are offered by credit unions while CDs are offered by banks. Credit unions are often able to offer more favorable rates on share certificates than banks offer on CDs.
Flex savings certificates are a type of certificate that offers more flexibility than a standard certificate. While standard certificates have penalties if you want to make a withdrawal before your term ends, flex certificates allow account holders to withdraw some of their funds without penalty. Flex certificates also allow you to make additional contributions to your accounts.
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