What are the current interest rates at Genisys Credit Union?

Current rates for Genisys Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 3.96%, 24-Month CD: 3.79%, 60-Month CD: 4.03%, Savings: 0.10%, MMA: 1.31%

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Genisys Credit Union

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Genisys Credit Union Rates & Review September 2026

Q: How many branches does Genisys Credit Union operate?

Genisys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Genisys Credit Union?

Yes, to access services at Genisys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Genisys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Genisys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Genisys Credit Union's 25 Month CD rates are at 4.42%, CD Specials - 25 month rates are at 4.42%, 7 Month CD rates are at 4.30%, CD Specials - 7 month rates are at 4.30%, 19 Month CD rates are at 4.22%. Genisys Credit Union's savings rates are at 0.10%. Genisys Credit Union's money market rates are at 1.31%. Genisys Credit Union's Personal Loan Rates are as low as 10.90%. Genisys Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Genisys Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.22%. Rates last updated and verified on 09/14/2026.

Genisys Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Genisys Credit Union? Share your experience about Genisys Credit Union by leaving a review below, or read customer reviews before you decide to use Genisys Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Genisys Credit Union
Corporate Headquarters

2100 Executive Hills Dr
Auburn Hills, MI 48326-2947

https://www.genisyscu.org

Genisys Credit Union CD Rates

Product	Rate	APY	Term
25 Month Certificate	4.35%	4.42%	25 Months
Min Deposit $500 Details Certificate specials are for a limited time and the credit union may end it at anytime without notice. Specials are non-renewable. 25 month term will renew into an 24 month term. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Certificate Specials - 25 month	4.35%	4.42%	25 Months
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
7 Month Certificate	4.23%	4.30%	7 Months
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Certificate Specials - 7 month	4.23%	4.30%	7 Months
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
19 Month Certificate	4.15%	4.22%	19 Months
Min Deposit $500 Details Certificate specials are for a limited time and the credit union may end it at anytime without notice. Specials are non-renewable. 19 month term will renew into a 18 month term. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Certificate Specials - 19 month	4.15%	4.22%	19 Months
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
13 Month Certificate	4.05%	4.11%	13 Months
Min Deposit $500 Details Certificate specials are for a limited time and the credit union may end it at anytime without notice. Specials are non-renewable. 13 month term will renew into a 12 month term. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Certificate Specials - 13 month	4.05%	4.11%	13 Months
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
4 Year Certificate	4.03%	4.09%	4 Years
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 4 Years	4.03%	4.09%	4 Years
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
5 Year Certificate	4.02%	4.08%	5 Years
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 5 Years	4.02%	4.08%	5 Years
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
3 Year Certificate	4.00%	4.06%	3 Years
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 3 Years	4.00%	4.06%	3 Years
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
4 Year Certificate	3.98%	4.04%	4 Years
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
5 Year Certificate	3.97%	4.03%	5 Years
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Certificate	3.95%	4.01%	18 Months
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
3 Year Certificate	3.95%	4.01%	3 Years
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 18 month	3.95%	4.01%	18 Months
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
1 Year Youth Flex Certificate	3.94%	4.00%	1 Year
Min Balance $20,000 Details Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Certificate	3.90%	3.96%	18 Months
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
14 Month Flex CD Special	3.84%	3.90%	14 Month
Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Certificate Specials - 14 Month Flex CD	3.84%	3.90%	14 Month Flex CD
Min Deposit $500 Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
1 Year Certificate	3.80%	3.85%	1 Year
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 1 Year	3.80%	3.85%	1 Year
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
2 Year Certificate	3.79%	3.84%	2 Years
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 2 Years	3.79%	3.84%	2 Years
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
1 Year Certificate	3.75%	3.80%	1 Year
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
2 Year Certificate	3.74%	3.79%	2 Years
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
1 Year Certificate	3.65%	3.70%	1 Year
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Certificate	3.42%	3.46%	6 Months
Min Balance $100,000 Details Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 6 month	3.42%	3.46%	6 Months
Min Balance $100,000 Details $100,000 and Above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Certificate	3.37%	3.41%	6 Months
Min Balance $500 Details Penalty for early withdrawal. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Savings Rates

Product	Rate	APY
High-Yield Youth Savings	5.84%	6.00%
Details Annual Percentage Yield designated as APY and subject to change at any time. High-Yield Youth Savings account is only for members from ages 0-21. No minimum balance. Balances above $2,500.00 are paid the standard share savings rate. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business High Yield Savings Account	3.69%	3.75%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business High Yield Savings Account	2.96%	3.00%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Health Savings Account	0.50%	0.50%
Details No minimum balance required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Savings	0.20%	0.20%
Details Dividend Credited: Quarterly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business High Yield Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Savings Account	0.10%	0.10%
Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Savings	0.10%	0.10%
Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	3.00%	3.04%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo Money Market	2.80%	2.84%
Min Balance $750,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo Money Market	2.60%	2.63%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Jumbo Money Market	2.40%	2.43%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	2.35%	2.38%
Min Balance $250,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	2.35%	2.38%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	2.15%	2.17%
Min Balance $100,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	2.15%	2.17%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	1.95%	1.97%
Min Balance $75,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	1.95%	1.97%
Min Balance $75,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	1.75%	1.76%
Min Balance $50,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	1.75%	1.76%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	1.70%	1.71%
Min Balance $25,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	1.70%	1.71%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	1.50%	1.51%
Min Balance $10,000 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	1.50%	1.51%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
College Rewards Money Market	1.30%	1.31%
Min Balance $100 Details First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Money Market	1.30%	1.31%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Checking Rates

Product	Rate	APY
Genius Checking	6.55%	6.75%
Min Balance $0 Details Qualifications Required: 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Checking Plus	0.20%	0.20%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Checking Plus	0.10%	0.10%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Checking Plus	0.05%	0.05%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	6.52%
Details Loan to Value up to 80.00%; Maximum APR 18.00%; 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 and credit score of 740 or higher. 90% loan to value financing available to credit scrores of 660 and 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Home Equity Loan	-	-	7.50%
Details Loan to Value up to 90.00%; Maximum APR 18.00%; 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 and credit score of 740 or higher. 90% loan to value financing available to credit scrores of 660 and 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.79%	up to 36 Months
Details New, Used or Refinance. APR is Annual Percentage Rate. Click for details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat/RV Loan	-	5.99%
Details as low as Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum	-	9.90%
Details As Low As*; Annual Percentage Rate (APR) is determined at time account is opened and based on your credit qualifications. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Credit Rewards Mastercard	-	12.49%
Details 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Credit Rewards Mastercard	-	12.75%
Details Maximum APR: 17.01%; Annual Percentage Rate (APR) is variable and is based on the current prime rate. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Business Credit Rewards Mastercard Account Opening Disclosure	-	12.90%
Details Maximum Loan Amount: $10,000.00; Loans are not eligible for discounts, GAP, MRC or credit life/disability.; Maximum total loan aggregate can not exceed $49,999. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Rewards Credit Mastercard	-	13.74%
Details Maximum APR: 18.00%. Mastercard Credit Rewards Annual Percentage Rate (APR) is variable and is based on the current prime rate. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.90%
Details Maximum APR: 18.00%; 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. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Genisys Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Express Loan	-	-	17.64%	12 Months
Details Qualifications Required: Direct deposit required, automatic payment encouraged. 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.; Loan Amount: Up to $2,000. Other rules and restrictions apply. Limited time offer. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Leisure Loan	-	-	5.99%	up to 180 Months
Details 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. Available to credit scores of 725+. Loan to value (LTV) up to 90%. Additional down payment may be required. Approximate monthly payment for $30,000 borrowed would be $252.99 at 5.99% APR for 180 months. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2015 and older Loan	-	-	7.99%	84 Months
Details Down Payment Required; Model Year: 2015 and older Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2016 - 2020 Loan - 120 Months	-	-	5.99%	120 Months
Details Down Payment Required; Minimum Loan Amount: $15,000; Model Year: 2016 - 2020 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2016 - 2020 Loan - 84 Months	-	-	5.99%	84 Months
Details Down Payment Required; Model Year: 2016 - 2020 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2021 and newer Loan	-	-	6.99%	145-180 Months
Details Down Payment Required; Minimum Loan Amount: $30,000; Model Year: 2021 and newer Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2021 and newer Loan	-	-	6.49%	181-240 Months
Details Down Payment Required; Minimum Loan Amount: $75,000; Model Year: 2021 and newer Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2021 and newer Loan - 109-144 Months	-	-	5.99%	109-144 Months
Details Down Payment Required; Minimum Loan Amount: $20,000; Model Year: 2021 and newer Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Standard - 2021 and newer Loan - 96 Months	-	-	5.99%	96 Months
Details Down Payment Required; Model Year: 2021 and newer Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
1 Year Term Certificates	3.75%	-	3.80%	1 Year
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
18 Month Term Certificates	3.90%	-	3.96%	18 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
2 Year Term Certificates	3.74%	-	3.79%	2 Years
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
3 Year Term Certificates	3.95%	-	4.01%	3 Years
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
4 Year Term Certificates	3.98%	-	4.04%	4 Years
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
5 Year Term Certificates	3.97%	-	4.03%	5 Years
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Term Certificates	3.37%	-	3.41%	6 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Youth Flex Certificate	3.94%	-	4.00%
Min Balance $20,000 Details Youth Flex Certificate is only for members from ages 0-21. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Genisys Credit Union’s Texas Ratio rose from 2.43% in Q2 2023 to 4.22% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$6.4B	4.22%	5.0	A+
December 31, 2025	$6.2B	5.30%	5.0	A+
September 30, 2025	$5.8B	4.68%	5.0	A+
June 30, 2025	$5.7B	4.85%	5.0	A+
March 31, 2025	$5.6B	4.10%	5.0	A+
December 31, 2024	$5.3B	4.36%	5.0	A+
September 30, 2024	$5.3B	4.39%	5.0	A+
June 30, 2024	$5.2B	3.23%	5.0	A+
March 31, 2024	$5.1B	2.31%	5.0	A+
December 31, 2023	$4.9B	3.05%	5.0	A+
September 30, 2023	$4.7B	2.77%	5.0	A+
June 30, 2023	$4.6B	2.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Genisys Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Genisys Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Genisys Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Genisys Credit Union

Website https://www.genisyscu.org

Address 2100 Executive Hills Dr, Auburn Hills, MI 48326-2947

Phone 248-322-9800

Fax 248-333-7911

President Brian Zabowski

CEO Jacqueline Buchanan

Full-Time Employees 531

Part-Time Employees 45

Branch Locations 33

ATM Locations 32

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.22%

Return on Assets (ROA)

0.4172%

Return on Equity (ROE)

2.7272%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

6,440,805,678

Total Amount of Shares and Deposits

5,368,940,355

Total Shares and Deposits < 1 Year

5,026,685,553

Total Shares and Deposits 1 3 Years

325,559,239

Total Shares and Deposits > 3 Years

16,695,563

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

448,532,600

Total Uninsured Shares and Deposits > $250K (F+J)

448,532,600

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,920,407,755

Total Interest Expense (Sum of items 6 8)

32,446,491

Share Certificates

54,454

Number of Accounts for Share Drafts

205,631

IRA KEOGH Accounts

5,418

Number of Accounts for Regular Shares

388,593

All other shares

1,677

Money Market Shares

29,326

Net Income (unless the amount is already included in Undivided Earnings)

26,872,895

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

446,765,545

Total Liabilities

5,503,041,834

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Genisys Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Genisys Credit Union

How many branches does Genisys Credit Union operate?

Genisys Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Genisys Credit Union?

Yes, to access services at Genisys Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Genisys Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Genisys Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Genisys Credit Union offer online and mobile banking?

Most modern institutions like Genisys Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.genisyscu.org.

Current Genisys Credit Union Rates

12-Month CD3.70%
18-Month CD3.96%
24-Month CD3.79%
60-Month CD4.03%
Savings0.10%
MMA1.31%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Genisys Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Genisys Credit Union Texas Ratio

Genisys Credit Union Health Trend

Genisys Credit Union CD Rates

Genisys Credit Union Savings Rates

Genisys Credit Union Money Market Rates

Genisys Credit Union Checking Rates

Genisys Credit Union Home Equity & HELOC

Genisys Credit Union Auto Loan Rates

Genisys Credit Union RV, Boat and Powersport Loan Rates

Genisys Credit Union Credit Card Rates

Genisys Credit Union Personal Loan Rates

Genisys Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Genisys Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Genisys Credit Union

How many branches does Genisys Credit Union operate?

Is a member application needed to join Genisys Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Genisys Credit Union offer online and mobile banking?

Current Genisys Credit Union Rates

Compare to Other Credit Unions