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: 3.99%, 60-Month CD: 4.04%, Savings: 6.00%, MMA: 3.04%

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Genisys Credit Union

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Genisys Credit Union Rates & Review October 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: October 10, 2026

Genisys Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 25 Month CD, 6.00% APY on savings, 3.04% APY on money market accounts, 6.75% APY on checking, personal loans from 9.99% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Genisys Credit Union CD rates include 25 Month IRA CD at 4.50%, 19 Month CD at 4.40%, and 19 Month IRA CD at 4.40%. 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 5.37%. Rates last updated and verified on 10/10/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.37%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Genisys Credit Union
Corporate Headquarters

2100 Executive Hills Dr
Auburn Hills, MI 48326-2947

https://www.genisyscu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Genisys Credit Union CD Rates

Product	Rate	APY	Term
25 Month Certificate	4.43%	4.50%	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. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.42% → 4.50% ▲ 0.08 pts · high 4.50% / low 4.42% Oct 10, 20264.50%▲ from 4.42% Sep 14, 20264.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
25 Month IRA Certificate	4.43%	4.50%	25 Months
Min Deposit $500 Details 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 10/10/2026 Rate History No change since Oct 10, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
19 Month Certificate	4.33%	4.40%	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. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.40% ▲ 0.18 pts · high 4.40% / low 4.22% Oct 10, 20264.40%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
19 Month IRA Certificate	4.33%	4.40%	19 Months
Min Deposit $500 Details 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 an 18 month term. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
13 Month Certificate	4.28%	4.35%	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. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 4.35% ▲ 0.24 pts · high 4.35% / low 4.11% Oct 10, 20264.35%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
13 Month IRA Certificate	4.28%	4.35%	13 Months
Min Deposit $500 Details 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 10/10/2026 Rate History No change since Oct 10, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
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. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificate	4.07%	4.13%	3 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06% Oct 10, 20264.13%▲ from 4.06% Sep 14, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
4 Year Jumbo and Jumbo IRA Certificate	4.07%	4.13%	4 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09% Oct 10, 20264.13%▲ from 4.09% Sep 14, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificate	4.03%	4.09%	5 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08% Oct 10, 20264.09%▲ from 4.08% Sep 14, 20264.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
3 Year IRA Certificate	4.02%	4.08%	3 Years
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01% Oct 10, 20264.08%▲ from 4.01% Sep 18, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
3 Year Term Certificate	4.02%	4.08%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01% Oct 10, 20264.08%▲ from 4.06% Oct 1, 20264.06%▲ from 4.01% Sep 14, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
4 Year IRA Certificate	4.02%	4.08%	4 Years
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04% Oct 10, 20264.08%▲ from 4.04% Sep 18, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
4 Year Term Certificate	4.02%	4.08%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04% Oct 10, 20264.08%▼ from 4.09% Oct 1, 20264.09%▲ from 4.04% Sep 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
14 Month Flex CD	4.00%	4.06%	14 Month
Min Deposit $500 Details 14 Month Flex CD renews into a regular 1 year certificate. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.06% ▲ 0.16 pts · high 4.06% / low 3.90% Oct 10, 20264.06%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2 Year Jumbo and Jumbo IRA Certificate	3.98%	4.04%	2 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84% Oct 10, 20264.04%▲ from 3.84% Sep 14, 20263.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
5 Year IRA Certificate	3.98%	4.04%	5 Years
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03% Oct 10, 20264.04%▲ from 4.03% Sep 18, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
5 Year Term Certificate	3.98%	4.04%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03% Oct 10, 20264.04%▲ from 4.03% Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificate	3.95%	4.01%	18 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year Youth Flex Certificate	3.94%	4.00%	1 Year
Min Deposit $100 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 10/10/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year Youth Flex Certificate	3.94%	4.00%	1 Year
Min Balance $20,000 Details 2. 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 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2 Year IRA Certificate	3.93%	3.99%	2 Years
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79% Oct 10, 20263.99%▲ from 3.79% Sep 18, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2 Year Term Certificate	3.93%	3.99%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79% Oct 10, 20263.99%▲ from 3.84% Oct 1, 20263.84%▲ from 3.79% Sep 14, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
18 Month IRA Certificate	3.90%	3.96%	18 months
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
18 Month Term Certificate	3.90%	3.96%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year Jumbo and Jumbo IRA Certificate	3.79%	3.84%	1 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84% Oct 10, 20263.84%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year IRA Certificate	3.74%	3.79%	1 Year
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 3.79% ▼ 0.01 pts · high 3.80% / low 3.79% Oct 10, 20263.79%▼ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year Term Certificate	3.74%	3.79%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.79% ▼ 0.01 pts · high 3.80% / low 3.79% Oct 10, 20263.79%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
1 Year Flex Certificate	3.64%	3.70%	1 Year
Min Deposit $100 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. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
6 Month Jumbo and Jumbo IRA Certificate	3.54%	3.59%	6 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46% Oct 10, 20263.59%▲ from 3.46% Sep 14, 20263.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
6 Month IRA Certificate	3.49%	3.54%	6 months
Min Deposit $500 Min Balance $500 Details Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.41% → 3.54% ▲ 0.13 pts · high 3.54% / low 3.41% Oct 10, 20263.54%▲ from 3.41% Sep 18, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
6 Month Term Certificate	3.49%	3.54%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.41% → 3.54% ▲ 0.13 pts · high 3.54% / low 3.41% Oct 10, 20263.54%▲ from 3.46% Oct 1, 20263.46%▲ from 3.41% Sep 14, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Savings Rates

Product	Rate	APY
High Yield Youth Savings	5.84%	6.00%
Details 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Health Savings Account	0.50%	0.50%
Details Dividend Credited: Monthly. Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings	0.20%	0.20%
Details No minimum balance required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Business Savings Rates

Product	Rate	APY
Business High Yield Savings Account	3.69%	3.75%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Business High Yield Savings Account	2.96%	3.00%
Min Balance $25,000 Details Balance: $25,000-99,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Business High Yield Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0-24,999 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Business Savings Account	0.10%	0.10%
Min Balance $5 Details Balance: $5+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	3.00%	3.04%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Money Market	2.80%	2.84%
Min Balance $750,000 Details Balance: $750,000 -$999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Money Market	2.60%	2.63%
Min Balance $500,000 Details Balance: $500,000 - $749,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Money Market	2.40%	2.43%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	2.35%	2.38%
Min Balance $250,000 Details Balance: $250,000 and over; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	2.35%	2.38%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	2.15%	2.17%
Min Balance $100,000 Details Balance: $100,000 - $249,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	2.15%	2.17%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	1.95%	1.97%
Min Balance $75,000 Details Balance: $75,000 - $99,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	1.95%	1.97%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	1.75%	1.76%
Min Balance $50,000 Details Balance: $50,000 - $74,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	1.75%	1.76%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	1.70%	1.71%
Min Balance $25,000 Details Balance: $25,000 - $49,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	1.70%	1.71%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	1.50%	1.51%
Min Balance $10,000 Details Balance: $10,000 - $24,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	1.50%	1.51%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
College Rewards Money Market	1.30%	1.31%
Min Balance $100 Details Balance: $100 - $9,999; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Money Market	1.30%	1.31%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Money Market	0.45%	0.45%
Min Balance $2,500 Details Dividend Credited: Monthly; Minimum balance of $2,500 required to earn dividends. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Checking Rates

Product	Rate	APY
Genius High Yield 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. See Genius Checking page for details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Interest Checking	0.10%	0.10%
Min Balance $1,500 Details Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Plus	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Business Checking Plus	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Business Checking Plus	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Fixed Rate	-	-	6.51%	up to 5 years
Details Loan to Value up to 80.00%; As low as*; 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.; Apply Online Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.51% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Flex Home Equity Line of Credit	-	-	6.77%
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 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.52% → 6.77% ▲ 0.25 pts · high 6.77% / low 6.52% Sep 27, 20266.77%▲ from 6.52% Sep 18, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Home Equity Loan - Fixed Rate	-	-	7.01%	up to 10 years
Details Loan to Value up to 80.00%; As low as*; 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.; Apply Online Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Flex Home Equity Line of Credit	-	-	7.78%
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 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.78% ▲ 0.28 pts · high 7.78% / low 7.50% Sep 27, 20267.78%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.04%	up to 36 months
Details Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New Auto Loan	-	-	4.99%	up to 60 months
Details Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New Auto Loan	-	-	5.49%	up to 75 months
Details Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New Auto Loan	-	-	5.74%	up to 87 months
Details Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Used Auto Loan	-	-	5.74%	up to 72 months
Details Model Year: 2018-2022; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Used Auto Loan	-	-	5.74%	73-84 months
Details Model Year: 2018-2022; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2023 - newer Auto Loan	-	-	5.99%	60 Months
Details As Low As; Model Year: 2023 - newer Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2023 - newer Auto Loan	-	-	6.49%	61-72 Months
Details As Low As; Model Year: 2023 - newer Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Used Auto Loan	-	-	6.49%	up to 60 months
Details Model Year: 2015-2017; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2018 - 2022 Auto Loan	-	-	6.74%	60 Months
Details As Low As; Model Year: 2018 - 2022 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2023 - newer Auto Loan	-	-	6.74%	84 Months
Details As Low As; Model Year: 2023 - newer Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Used Auto Loan	-	-	6.99%	up to 60 months
Details Model Year: 2014 & older; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; 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 be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
2017 - older Auto Loan	-	-	7.99%	60 Months
Details As Low As; Model Year: 2017 - older Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto - Term Loan	-	-	12.49%	48 Months
Details Maximum Loan Amount: $40,000.00; 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 10/10/2026 Rate History No change since Oct 10, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat, Camper, Motorhome Special 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. \| Loan Amount: $30,000 - up \| Model Year: 2021 and newer \| Online Only Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2016 - 2020 Loan	-	5.99%	84 Months
Details Model Year: 2016 - 2020; Minimum Loan Amount: N/A Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2016 - 2020 Loan	-	5.99%	120 Months
Details Model Year: 2016 - 2020; Minimum Loan Amount: $15,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2021 and newer Loan	-	5.99%	96 Months
Details Model Year: 2021 and newer; Minimum Loan Amount: N/A Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2021 and newer Loan	-	5.99%	109-144 Months
Details Model Year: 2021 and newer; Minimum Loan Amount: $20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2021 and newer Loan	-	6.49%	181-240 Months
Details Model Year: 2021 and newer; Minimum Loan Amount: $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2021 and newer Loan	-	6.99%	145-180 Months
Details Model Year: 2021 and newer; Minimum Loan Amount: $30,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats - 2015 and older Loan	-	7.99%	84 Months
Details Model Year: 2015 and older; Minimum Loan Amount: N/A Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Credit Card Rates

Product	Rate	APR
Business Credit Card	-	13.00%
Details Maximum APR: 17.01%; Annual Percentage Rate (APR) is variable and is based on the current prime rate. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Mastercard Rewards Credit Card	-	18.00%
Details Intro/promo APR: 13.99%; Intro rate expires: 12 months; Regular APR: 18.00%; Mastercard Credit Rewards Annual Percentage Rate (APR) is variable and is based on the current prime rate. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 13.74% → 18.00% ▲ 4.26 pts · high 18.00% / low 13.74% Oct 10, 202618.00%▲ from 13.74% Sep 18, 202613.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Mastercard Platinum Credit Card	-	19.99%
Details Intro/promo APR: 9.90%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.90% → 19.99% ▲ 10.09 pts · high 19.99% / low 9.90% Oct 10, 202619.99%▲ from 9.90% Sep 18, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan Rate Special	9.99%	up to 60 months
Details 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 be99% for 60 months or49% for 72 months. As low as* Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Personal Loan Rate Special	10.49%	up to 72 months
Details 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 be99% for 60 months or49% for 72 months. As low as* Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Personal Loan	10.74%	up to 72 months
Details 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 be74% for 72 months. Maximum total unsecured credit allowed is $50,000. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Starter Loan	-	-	14.49%	12 Months
Details 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 be49% for 12 months. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 14.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Express Loan	-	-	17.64%	12 Months
Details As Low As; 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 17.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Machinery/Equipment Loan	-	-	8.74%	60 Months
Details Maximum Loan Amount: $40,000.00; Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be74% for 60 months. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Specialty Loans	-	-	5.74%	12 Months
Details Term: 12 Months per $1,000 borrowed; Loan Amount: $1,000 - $5,000; 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 be74% for 12 months. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Youth Accounts	-	-	6.00%
Details Open for Your Chance to Win $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Genisys Credit Union’s Texas Ratio rose from 2.77% in Q3 2023 to 5.37% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$6.6B	5.37%	5.0	A+
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+

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 526

Part-Time Employees 60

Branch Locations 34

ATM Locations 33

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.37%

Return on Assets (ROA)

0.8521%

Return on Equity (ROE)

5.5077%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

6,556,444,987

Total Amount of Shares and Deposits

5,453,432,169

Total Shares and Deposits < 1 Year

5,026,278,441

Total Shares and Deposits 1 3 Years

408,649,076

Total Shares and Deposits > 3 Years

18,504,652

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

457,751,924

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

457,751,924

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

4,995,680,245

Total Interest Expense (Sum of items 6 8)

65,911,901

Share Certificates

54,938

Number of Accounts for Share Drafts

214,777

IRA KEOGH Accounts

9,686

Number of Accounts for Regular Shares

405,065

All other shares

1,679

Money Market Shares

29,958

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

55,867,282

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)

201,047,481

Total Liabilities

5,590,822,543

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Genisys Credit Union earned the Verified Healthy badge

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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 CD3.99%
60-Month CD4.04%
Savings6.00%
MMA3.04%

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

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Genisys Credit Union Rates & Review October 2026

Brian McKay

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Genisys Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Genisys Credit Union

How many branches does Genisys Credit Union operate?

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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

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