Credit Union Rates, Loans & Deposits - Genisys® Credit Union
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RATES

Savings & Checking Accounts

From savings and checking accounts to Money Market accounts and more, Genisys Credit Union has a wide variety of accounts to help you manage your finances. See our current savings account rates and see how we compare to other financial institutions.

Learn more about our:
Savings
, CheckingMoney Market, College Rewards offerings

Savings Accounts
Effective Date: Thursday, July 7th, 2022
Dividend RateAPY*Dividend CreditedMinimum Balance
Share Savings (1,3)
0.10% 0.10% Quarterly $5
High Yield Youth Savings (2)
5.00% 5.12% Monthly $0
Holiday Savings (1)
0.10% 0.10% Quarterly $0
You Name It Savings (1)
0.10% 0.10% Quarterly $0

(1) Annual Percentage Yield designated as APY and subject to change at any time.
(2) Balances above $500.00 are paid the standard share savings rate.
(3) Minimum balance of $5 required to earn dividends.


Open An AccountSavings AccountsHigh Yield Youth Savings

Checking Accounts
Effective Date: Thursday, July 7th, 2022
Dividend RateAPY*Minimum Balance
Genius Checking (1,2)
4.00% 4.07% $0
Basic Checking (1)
0.00% 0.00% $0
Interest Checking (1,3)
0.10% 0.10% $1,500

(1)Annual Percentage Yield designated as APY and subject to change at any time.
(2) Balances above $7,500 earn .05% APY. See Genius Checking page for details.
(3) Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.


Open An Account Checking Accounts Genius High Yield Checking

Money Market: High Yield (1, 2) & College Rewards (1,3)
Effective Date: Thursday, July 7th, 2022
Daily Balance TiersDividend RateAPY*
$2,500 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $74,999 0.35% 0.35%
$75,000 - $99,999 0.40% 0.40%
$100,000 - $249,999 0.45% 0.45%
$250,000 and over 0.55% 0.55%

(1) Annual Percentage Yield designated as APY and subject to change at any time.
(2) Minimum balance of $2,500 required to earn dividends.
(3) 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.


Open in Online Banking Money Markets College Rewards

Jumbo Money Market (1,2)
Effective Date: Thursday, July 7th, 2022
Daily Balance TiersDividend RateAPY*
$250,000 - $499,999.99 0.60% 0.60%
$500,000 - $749,999.99 0.65% 0.65%
$750,000 - $999,999.99 0.70% 0.70%
$1,000,000 and over 0.75% 0.75%

(1) Annual Percentage Yield designated as APY and subject to change at any time. (2) Minimum balance of $250,000 required to earn dividends.


Open in Online Banking Money Markets

Products no longer offered
Effective Date: Thursday, July 7th, 2022
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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Savings Certificates

Earn more interest with a federally insured share savings certificate. Genisys Credit Union has a wide variety of accounts to help you manage your finances. See our current savings certificate rates and see how we compare to other financial institutions.

Learn more about our Term Certificates 

Certificate Specials
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
7 Months 1.24% 1.25%
13 Months 1.49% 1.50%
25 Months 1.99% 2.00%
61 Months 2.72% 2.75%

*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, 25 month term will renew into an 24 month term and 61 month term will renew into a 60 month term.


Open Certificate in Online Banking

Term Certificates $500 and Above
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
6 Months 1.00% 1.00%
1 Year 1.24% 1.25%
18 Months 1.34% 1.35%
2 Years 1.64% 1.65%
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. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.


Open Certificate in Online Banking

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
6 Months 1.05% 1.05%
1 Year 1.29% 1.30%
18 Months 1.39% 1.40%
2 Years 1.69% 1.70%
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.  Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.


Open Certificate in Online Banking

Flex Certificate $100 and Above
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*

1 Year (1,2)

1.39% 1.40%

(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.
Penalty for early withdrawal.


Open Certificate in Online Banking

 

 

IRA/Retirement

Earn more interest on your IRA account with a variety of federally insured options.  See our current IRA Certificate and money market account rates and see how we compare to other financial institutions.

Learn more about our IRA's  and HSA accounts

IRA Certificate Specials
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
13 months 1.49% 1.50%
25 months 1.99% 2.00%
61 months 2.72% 2.75%

*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, 25 month term will renew into an 24 month term and 61 month term will renew into a 60 month term.


Open Certificate in Online Banking

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
6 Months 1.05% 1.05%
1 Year 1.29% 1.30%
18 Months 1.39% 1.40%
2 Years 1.69% 1.70%
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.  Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.


Open Certificate in Online Banking

IRA Certificates $500 and Above
Effective Date: Thursday, July 7th, 2022
TermDividend RateAPY*
6 Months 1.00% 1.00%
1 Year 1.24% 1.25%
18 Months 1.34% 1.35%
2 Years 1.64% 1.65%
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.  Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.


Open Certificate in Online Banking

Retirement / Education / Health Savings Accounts
Effective Date: Thursday, July 7th, 2022
Dividend RateAPY*Dividend CreditedMinimum Balance
Health Savings (HSA) (1)
0.50% 0.50% Monthly $0
IRA Money Market (1,2)
0.45% 0.45% Monthly $2,500
IRA Savings (1)
0.20% 0.20% Quarterly $0

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


Health Savings AccountIRAs/Retirement Accounts

Mortgage Loans

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

 

Home Equity Loans

Home Equity Rates
Check today's Home Equity Rates and Apply Online.

 

 

Vehicle Loan Rates
Learn more about our Auto and Boat/RV products. Try our Loan Payment Calculators.

New & Used Auto Loan Rates

New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Effective Date: Thursday, July 7th, 2022
Model YearAPR as low as*Maximum Term
2016 and newer 2.74% up to 60 months
2016 and newer 3.24% 61-72 month
2018 and newer 3.99% 73-84 months**
2013-2015 4.14% up to 60 months
2012 & older 4.39% up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

 

*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 $17.85 per $1,000 borrowed at 2.74% for 60 months.
**73-84 month term requires minimum financed amount of $25,000.

290 days no payment offer available to credit scores of 680 and higher. Interest accrues during the deferral period.


Apply Now Learn More Auto Loan Refinance

Boat Loan Rates & RV Loan Rates

Recreational Vehicle/Boats
Effective Date: Thursday, July 7th, 2022
Boat, RV, Camper, Motorcycle, Personal watercraft, ATV, Snowmobile
Loan AmountAPR as low as*Term
$0.00 - $9,999 3.99% 60 Months
$10,000 - $14,999 4.49% 84 Months
$15,000 - $19,999 4.49% 120 Months
$20,000 - $29,999 4.74% 144 Months
$30,000 - up 4.74% 180 Months
$75,000 - up 5.34% 240 Months

*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. Approximate monthly payment would be $18.41 per $1,000 borrowed at 3.99% for 60 months. Financing available up to 125% for qualified borrowers.


Apply Now Learn More

Personal Loan Rates

Learn more about our Personal Loans.

Summer Loan
Effective Date: Thursday, July 7th, 2022
NameAPR as low as*Approximate Term
Summer Loan 4.99% up to 24 Months
Summer Loan 5.99% up to 60 Months

*Rate is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Approximate monthly payment would be $43.87 per $1,000 borrowed at 4.99% for 24 months. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months. Actual term will vary based on loan amount borrowed.


Apply Now Learn More

Personal Loan Special
Effective Date: Thursday, July 7th, 2022
NameAPR as low as*Approximate Term
Personal Loan Special 6.99%

up to 48 months

Personal Loan Special 7.99%

up to 60 months

*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 $23.94 per $1,000 borrowed at 6.99% for 48 months or $20.27 per $1,000 borrowed at 7.99% for 60 months.


Apply Now Learn More

Personal Loans
Effective Date: Thursday, July 7th, 2022
NameAPR as low as*Approximate Term

Personal Loans

8.49%

up to 60 months

*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 $20.51 per $1,000 borrowed at 8.49% for 60 months. Maximum total unsecured credit allowed is $50,000.


Apply Now Learn More

Personal Line of Credit
Effective Date: Thursday, July 7th, 2022
Overdrafts to your checking account
APR as low as*Maximum APR
9.49% 18.00%

*Annual Percentage Rates (APR) may vary depending upon credit qualifications.  Maximum loan amount $10,000.  Payments do not begin until an advance is made.  Funds are accessed by transferring funds to your Genisys checking account.


Apply Now

Credit Card Rates

Learn more about the great features of our Credit Cards!
 

Balance Transfer Special
Effective Date: Thursday, July 7th, 2022

NO FEE Balance Transfer. Limited Time Balance Transfer Offer..

Open a new Genisys Credit Rewards Mastercard or Platinum Mastercard and take advantage of our Balance Transfer special! Save money and help make paying off your credit card balances easier.

APR as low as*Term
2.99% For 15 Months on Transferred Balances

*APR is Annual Percentage Rate. Must meet credit qualifications. After 15 months the APR will revert to the standard card rate at that time for any remaining balances. Existing cardholders eligible for transfer special if they apply and obtain a credit limit increase of $1,000 or more. Limited time offer and subject to end at any time.


Balance Transfer FormLearn More

Mastercard® Rewards Credit Card
Effective Date: Thursday, July 7th, 2022
APR as low as*Maximum APR
11.74% 18.00%

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

Rewards Credit Mastercard Account Opening Disclosure


Apply Now Learn More

Mastercard® Platinum Credit Card
Effective Date: Thursday, July 7th, 2022
APR as low as*
9.90%

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

Platinum Credit Mastercard Account Opening Disclosure


Apply Now Learn More

 

 

 

Business Checking Account & Lending Rates

Genisys Credit Union is committed to offering affordable and convenient banking options to business owners in the community. From business checking accounts to a variety of business lending options, we're here to help you every step of the way. Check out our current business account rates and see how we compare to other financial institutions. 

Learn more about Business Checking and Business Lending (MI Only)

Business Checking
Effective Date: Thursday, July 7th, 2022
Account TypeDividend RateAPY*Minimum Balance
Business Checking Plus 0.05% 0.05% $10,000-49,999
Business Checking Plus 0.10% 0.10% $50,000-99,999
Business Checking Plus 0.20% 0.20% $100,000 +

Learn More about Business Checking

Business Credit Card

Business Credit Rewards Mastercard®
Effective Date: Thursday, July 7th, 2022
APR as low as*Maximum APR
9.25% 16.25%

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

Business Credit Rewards Mastercard Account Opening Disclosure


Learn More about Business Credit Cards

Business Loans

Auto Loans
Effective Date: Thursday, July 7th, 2022
Model YearAPR as low as*Term
2014 - newer 3.14% 60 months
2014 - newer 3.99% 61-72 months
2016 - newer 4.64% 84 months
2011-2013 4.99% 60 months
2010 - older 5.24% 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 $18.03 per $1,000 borrowed at 3.14% for 60 months.

Line of Credit/Overdraft
Effective Date: Thursday, July 7th, 2022
APR as low as*Maximum Loan Amount
10.99% $15,000

*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: Thursday, July 7th, 2022
APR as low as*Down PaymentMaximum Loan AmountTerm
11.49% 20% $40,000 48 Months

*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: Thursday, July 7th, 2022
APR as low as*Down PaymentMaximum Loan AmountTerm
5.99% 20% $40,000 60 Months

*APR is Annual Percentage Rate. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.56 per $1,000 borrowed at 6.49% for 60 months.

Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999

Specialty Loans

Credit Starter Loan
Effective Date: Thursday, July 7th, 2022
The Credit Starter Loan is offered to 18-21 year olds with no credit history.
Loan AmountAPR as low as*Term
Up to $1,000 11.74% 12 Months

*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 $88.71 per $1,000 borrowed at 11.74% for 12 months.


Learn More about our Credit Starter Loan

Credit Builder Loan
Effective Date: Thursday, July 7th, 2022
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

*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.


Learn More about our Credit Builder Loan

Express Loan
Effective Date: Thursday, July 7th, 2022
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

*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 periodLimited time offer. Other rules and restrictions apply.


Apply Now

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