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.
Choose the Savings Certificate That’s Right For You.
A Genisys Savings Certificate Account is a great option for IRAs or to achieve any savings goal.
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.
Certificate Specials
Effective Date: Wednesday, July 23rd, 2025
| Term | Dividend Rate | APY* |
| 7 Months |
3.99% |
4.05% |
| 13 Months |
4.43% |
4.50% |
| 14 Month Flex CD1 |
4.05% |
4.11% |
| 19 Months |
4.52% |
4.60% |
| 25 Months |
4.33% |
4.40% |
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: Wednesday, July 23rd, 2025
| Term | Dividend Rate | APY* |
| 6 Months |
3.44% |
3.48% |
| 1 Year |
3.33% |
3.37% |
| 18 Months |
3.25% |
3.29% |
| 2 Years |
3.32% |
3.36% |
| 3 Years |
3.51% |
3.56% |
| 4 Years |
3.70% |
3.75% |
| 5 Years |
3.80% |
3.85% |
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: Wednesday, July 23rd, 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: Wednesday, July 23rd, 2025
| Term | Dividend Rate | APY* |
| 1 Year |
3.23% |
3.27% |
| 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 very similar to savings certificates (or certificates of deposit), in that they help you grow your initial deposit over a period of time. The difference is that share certificates are only issued by credit unions, as opposed to CDs which are offered by banks, and can often offer higher yields than standard savings accounts. They work similarly to other types of savings accounts in that you start with an initial deposit, but you leave the money in for a predetermined amount of time and watch as the interest rate helps build your savings up!
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.
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