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Current Rates

 

Certificate Specials
Effective Date: Tuesday, October 21st, 2025
TermDividend RateAPY*
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: Tuesday, October 21st, 2025
TermDividend RateAPY*
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: Tuesday, October 21st, 2025
TermDividend RateAPY*
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: Tuesday, October 21st, 2025
TermDividend RateAPY*
1 Year 3.21% 3.25%
14 Month Flex CD Special 4.05% 4.11%
Open an Account   Open in Online Banking Certificate Calculator
  1. Annual Percentage Yield designated as APY and subject to change at any time..
  2. 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.

IRA Certificate Specials
Effective Date: Tuesday, October 21st, 2025
TermDividend RateAPY*
13 Months 4.23% 4.30%
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. 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 and 30 month term will renew into an 24 month term. Penalty for early withdrawal.

 

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Tuesday, October 21st, 2025
TermDividend RateAPY*
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.

 

IRA Certificates $500 and Above
Effective Date: Tuesday, October 21st, 2025
TermDividend RateAPY*
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.

 

Health Savings Accounts (HSA)
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
0.50% 0.50% Monthly

Open an Account   Health Savings Account Savings Growth Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

 

IRA Money Market (1,2)
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
0.45% 0.45% Monthly
Open an Account   IRAs/Retirement Accounts Savings Growth Calculator
  1. Annual Percentage Yield designated as APY and subject to change at any time.
  2. Minimum balance of $2,500 required to earn dividends.

 

IRA Savings
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
0.20% 0.20% Quarterly

Open an Account   IRAs/Retirement Accounts Savings Growth Calculator

Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

Money Market
Effective Date: Tuesday, October 21st, 2025
Daily Balance TiersDividend RateAPY*
$2,500 - $9,999 1.30% 1.31%
$10,000 - $24,999 1.50% 1.51%
$25,000 - $49,999 1.70% 1.71%
$50,000 - $74,999 1.75% 1.76%
$75,000 - $99,999 1.95% 1.97%
$100,000 - $249,999 2.15% 2.17%
$250,000 and over 2.35% 2.38%

Open an Account   Open in Online Banking Savings Growth Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. Minimum balance of $2,500 required to earn dividends.

 

Jumbo Money Market (1,2)
Effective Date: Tuesday, October 21st, 2025
Daily Balance TiersDividend RateAPY*
$250,000 - $499,999.99 2.40% 2.43%
$500,000 - $749,999.99 2.60% 2.63%
$750,000 -$999,999.99 2.80% 2.84%
$1,000,000 and over 3.00% 3.40%
Open an Account   Open in Online Banking Savings Growth Calculator
  1. Annual Percentage Yield designated as APY and subject to change at any time.
  2. Minimum balance of $250,000 required to earn dividends.

 

College Rewards Money Market
Effective Date: Tuesday, October 21st, 2025
Daily Balance TiersDividend RateAPY*
$100 - $9,999 1.30% 1.31%
$10,000 - $24,999 1.50% 1.51%
$25,000 - $49,999 1.70% 1.71%
$50,000 - $74,999 1.75% 1.76%
$75,000 - $99,999 1.95% 1.97%
$100,000 - $249,999 2.15% 2.17%
$250,000 and over 2.35% 2.38%

Open an Account   Open in Online Banking Savings Growth Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. College Rewards Money Market: minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.

Share Savings
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
0.10% 0.10% Quarterly

Open an Account Savings Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. Minimum balance of $5 required to earn dividends.

 

High Yield Youth Savings
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
5.00% 5.12% Monthly

Download an Application Savings Growth Calculator

Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance. Balances above $500.00 are paid the standard share savings rate.

 

You Name It Savings
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Dividend Credited
0.10% 0.10% Quarterly

Open an Account Savings Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

Genius High Yield Checking
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Minimum Balance
6.55% 6.75% $0

Open an Account

Annual Percentage Yield designated as APY. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn stated APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. Balances above $7,500 earn .05% APY. See Genius Checking page for details.

 

Basic Checking
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Minimum Balance
0.00% 0.00% $0

Open an Account

Annual Percentage Yield designated as APY.

 

Interest Checking
Effective Date: Tuesday, October 21st, 2025
Dividend RateAPY*Minimum Balance
0.10% 0.10% $1,500

Open an Account

Annual Percentage Yield designated as APY. Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Effective Date: Tuesday, October 21st, 2025
Model YearAPR as low as*Maximum Term
2022 and newer 4.99% up to 60 months
2022 and newer 5.49% up to 75 months
2022 and newer 5.74% up to 87 months**
2018-2021 5.74% up to 72 months
2020-2021 5.74% 73-84 months***
2015-2017 6.49% up to 60 months
2014 & older 6.99% up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

Apply Online Auto Calculators

*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.  Approximate monthly payment would be $18.87 per $1,000 borrowed at 4.99% for 60 months.
**87 month term requires minimum financed amount of $25,000.
***73-84 month term requires minimum financed amount of $25,000.

290 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.

 

Recreational Vehicle/Boats
Model YearMinimum Loan AmountTermAPR as low as*
Down Payment Required
2014 and older N/A 84 Months 7.99%
2015 - 2019 N/A 84 Months 5.99%
2015 - 2019 $15,000 120 Months 5.99%
2020 and newer N/A 96 Months 5.99%
2020 and newer $20,000 109-144 Months 5.99%
2020 and newer $30,000 145-180 Months 6.99%
2020 and newer $75,000 181-240 Months 7.49%

Apply Online

*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, amount borrowed, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Payment protection packages available on loan terms of 120 months or less. To qualify for 240 month term, collateral must meet requirements under the Internal Revenue Code deduction for interest paid; must contain sleeping, cooking, and toilet facilities. A down payment may be required. Approximate monthly payment would be $9.75 per $1,000 borrowed at 5.99% for 144 months.

Mortgage Loans
Name
Check today's Mortgage Rates and Apply Online.

 

Home Equity Loan - Fixed Rate
Effective Date: Tuesday, October 21st, 2025
Loan to Value up toAPR as low as*Approximate Term
80.00% 7.04% up to 5 years
80.00% 7.55% up to 10 years

Apply Online

*Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice.

 

Flex Home Equity Line of Credit
Effective Date: Tuesday, October 21st, 2025
Loan to Value up toAPR as low as*Maximum APR
80.00% 7.00% 18.00%

Apply Online HELOC Calculator Lock an Existing Flex HELOC

*Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice.

Mastercard® Rewards Credit Card
Effective Date: Tuesday, October 21st, 2025
APR as low as*Maximum APR
14.24% 18.00%

Apply Online

Mastercard Credit Rewards Annual Percentage Rate (APR) is variable and is based on the current prime rate.

Rewards Credit Mastercard Account Opening Disclosure
Mastercard Guide to Benefits

 

Mastercard® Platinum Credit Card
Effective Date: Tuesday, October 21st, 2025
APR as low as*
9.90%

Apply Online

Mastercard Platinum Annual Percentage Rate (APR) is determined at time account is opened and based on your credit qualifications.

Platinum Credit Mastercard Account Opening Disclosure
Mastercard Guide to Benefits

Personal Loan Special
Effective Date: Tuesday, October 21st, 2025
Loan AmountAPR as low as*Approximate Term
$5,000 - $30,000 9.49% up to 60 months
$5,000 - $30,000 9.99% up to 72 months

Apply Online

*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer. Approximate monthly payment would be $21.00 per $1,000 borrowed at 9.49% for 60 months or $18.52 per $1,000 borrowed at 9.99% for 72 months.

 

Personal Loans
Effective Date: Tuesday, October 21st, 2025
Loan AmountAPR as low as*Approximate Term
$500 - $50,000 10.24% up to 72 months

Apply Online

*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.  Approximate monthly payment would be $18.65 per $1,000 borrowed at 10.24% for 72 months. Maximum total unsecured credit allowed is $50,000.

 

Personal Line of Credit
Effective Date: Tuesday, October 21st, 2025
Overdrafts to your checking account
APR as low as*Maximum APR
10.90% 18.00%

Apply Online

*Annual Percentage Rates (APR) may vary depending upon credit qualifications.  Maximum loan amount $20,000.  Payments do not begin until an advance is made.  Funds are accessed by transferring funds to your Genisys checking account.

Credit Starter Loan
Effective Date: Tuesday, October 21st, 2025
Loan AmountAPR as low as*Term
Up to $1,000 14.49% 12 Months

Download Application

*Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.

 

Credit Builder Loan
Effective Date: Tuesday, October 21st, 2025
The Credit Builder Loan can help you save money and rebuild your credit score.
Loan AmountAPR as low as*Term
$1,000 - $5,000 5.74% 12 Months per $1,000 borrowed

Apply Online

*Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.

 

Express Loan
Effective Date: Tuesday, October 21st, 2025
Sometimes you need extra funds to stretch your budget or cover an unexpected expense.
Loan AmountAPR as low as*Term
Up to $2,000 17.64% 12 Months

Apply Online

*Approximate monthly payment would be $91.49 for $1,000 borrowed at 17.64% APR for 12 months. APR is annual percentage yield. Must have direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application. Must be a member in good standing and not have any current loan delinquency or negative deposit account balance with Genisys Credit Union at the time of application. Direct deposit required, automatic payment encouraged. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Limited time offer. Other rules and restrictions apply.

Business Savings Account
Effective Date: Tuesday, October 21st, 2025
Minimum BalanceDividend RateAPY*
$5 or more 0.10% 0.10%

*Annual Percentage Yield designated as APY.

 

Business High Yield Savings Account
Effective Date: Tuesday, October 21st, 2025
Minimum BalanceDividend RateAPY*
$0-24,999 0.10% 0.10%
$25,000-99,000 2.96% 3.00%
$100,000 + 3.69% 3.75%

*Annual Percentage Yield designated as APY.

Business Checking Plus
Effective Date: Tuesday, October 21st, 2025
Minimum BalanceDividend RateAPY*
$10,000-49,999 0.05% 0.05%
$50,000-99,999 0.10% 0.10%
$100,000 + 0.20% 0.20%

*Annual Percentage Yield designated as APY.

Business Credit Card
Effective Date: Tuesday, October 21st, 2025
APR as low as*Maximum APR
13.25% 18.00%

*Annual Percentage Rate (APR) is variable and is based on the current prime rate.

Business Credit Rewards Mastercard Account Opening Disclosure

 

Auto Loans
Effective Date: Tuesday, October 21st, 2025
Model YearAPR as low as*Term
2018 - newer 6.99% 60 Months
2018 - newer 6.99% 61-72 Months
2020 - newer 6.99% 84 Months
2015-2017 7.74% 60 Months
2014 - older 8.24% 60 Months

*APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $15.09 per $1,000 borrowed at 6.99% for 84 months.

 

Line of Credit/Overdraft
Effective Date: Tuesday, October 21st, 2025
APR as low as*Maximum Loan Amount
12.90% $10,000.00

*Loans are not eligible for discounts, GAP, MRC or credit life/disability.

Maximum total loan aggregate can not exceed $49,999.

 

Term Loan
Effective Date: Tuesday, October 21st, 2025
APR as low as*Maximum Loan AmountTerm
12.49% $40,000.00 48 Months

*APR is Annual Percentage Rate. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.

 

Machinery/Equipment Loan
Effective Date: Tuesday, October 21st, 2025
APR as low as*Maximum Loan AmountTerm
8.74% $40,000.00 60 Months

*APR is Annual Percentage Rate. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999

 

 

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