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Rates

Savings Accounts

Learn more about our:
Savings
, Money Market, College Rewards, Checking, HSA Accounts, Term Certificates and IRA offerings

Savings Accounts
Effective Date: Friday, February 23rd, 2018
Account TypeDividend RateAPY*Dividend CreditedMinimum Balance

Share Savings (1,3)

0.15% 0.15% Quarterly $5

Holiday Savings (1)

0.15% 0.15% Quarterly $0

You Name It Savings (1)

0.15% 0.15% 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, February 23rd, 2018
Account TypeDividend RateAPY*Minimum Balance
Genius Checking (1,2) 3.00% 3.03% $0

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.
(2) See Genius Checking for requirements to earn this rate.
(4) Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

Retirement / Education / Health Savings Accounts
Effective Date: Friday, February 23rd, 2018
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
Effective Date: Friday, February 23rd, 2018
TermRateAPY*
6 Months 0.75% 0.75%
1 Year 1.49% 1.50%
18 Months 1.59% 1.60%
2 Years 1.69% 1.70%
3 Years 1.84% 1.85%
4 Years 2.03% 2.05%
5 Years 2.28% 2.30%

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

Certificate Specials
Effective Date: Friday, February 23rd, 2018
TermRateAPY*
17 Months 1.74% 1.75%
*Annual Percentage Yield designated as APY. Certificate special is for a limited time and credit union may end it at anytime without notice. Current IRA funds on deposit with Genisys Credit Union are not eligible for transfer into a certificate special. Minimum certificate opening balance is $500. This certificate term is non-renewable and will renew into a 12 month term.

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Friday, February 23rd, 2018
TermRateAPY*
6 Months 0.80% 0.80%
1 Year 1.54% 1.55%
18 Months 1.64% 1.65%
2 Years 1.74% 1.75%
3 Years 1.89% 1.90%
4 Years 2.08% 2.10%
5 Years 2.33% 2.35%

$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
Effective Date: Friday, February 23rd, 2018
TermRateAPY*
6 Months 0.75% 0.75%
1 Year 1.49% 1.50%
18 Months 1.59% 1.60%
2 Years 1.69% 1.70%
3 Years 1.84% 1.85%
4 Years 2.03% 2.05%
5 Years 2.28% 2.30%

$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
Effective Date: Friday, February 23rd, 2018
TermRateAPY*

1 Year (2,8)

1.29% 1.30%

(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, February 23rd, 2018
Daily Balance TiersRateAPY*
$2,500 - $9,999 0.25% 0.25%
$10,000 - $24,999 0.30% 0.30%
$25,000 - $49,999 0.35% 0.35%
$50,000 - $74,999 0.45% 0.45%
$75,000 - $99,999 0.55% 0.55%
$100,000 - $249,999 0.65% 0.65%
$250,000 and over 0.70% 0.70%

(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, February 23rd, 2018
Daily Balance TiersRateAPY*
$100 and over 0.25% 0.25%

(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.

Youth Certificate
Effective Date: Friday, February 23rd, 2018
TermRateAPY*
3 Year 1.84% 1.85%
$10 is the minimum balance required to open account and earn APY. Rates are reviewed and revised weekly as necessary.

Products no longer offered
Effective Date: Friday, February 23rd, 2018
Product NameDividend RateAPY*
Youth Club 0.10% 0.10%
Vacation Club 0.10% 0.10%
Checking S8 (Balances $500-$2499) 0.05% 0.05%
Checking S8 (Balances $2500 +) 0.05% 0.05%
Checking S15 (Balances $500-$1499) 0.05% 0.05%
Checking S15 (Balances $1,500 +) 0.10% 0.10%

 

 


* 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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