What are the current interest rates at Genesis Employees Credit Union?

Current rates for Genesis Employees Credit Union include: 12-Month CD: 3.49%, 18-Month CD: 3.54%, MMA: 2.78%

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Genesis Employees Credit Union

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Genesis Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Genesis Employees 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

Genesis Employees Credit Union's top rates as of October 10, 2026 are 3.54% APY on its CDs - 18 Month CD, 2.78% APY on money market accounts, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Genesis Employees Credit Union CD rates include CDs - 12 Month at 3.49%, and CDs - 6 Month at 3.29%. MonitorBankRates evaluates the financial stability of Genesis Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.36%. Rates last updated and verified on 10/10/2026.

Genesis Employees 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 Genesis Employees Credit Union? Share your experience about Genesis Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Genesis Employees 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

5.36%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Genesis Employees Credit Union
Genesis Employees' Credit Union

830 Bethesda Dr
Zanesville, OH 43701-1895

https://genesisecu.com

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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.

Genesis Employees Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 18 Month	3.50%	3.54%	18 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Share Certificates - 12 Month	3.45%	3.49%	12 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Share Certificates - 6 Month	3.25%	3.29%	6 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Genesis Employees Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.75%	2.78%
Min Balance $75,000 Details Balance: $75,000 & > Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Money Market Account	2.50%	2.52%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Money Market Account	2.25%	2.27%
Min Balance $5,000 Details Balance: $5000 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Genesis Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loan	-	-	5.24%
Details As Low As; Refinance an auto loan from another institution with GECU and get a free auto detail certificate from Y-City Detailing. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
New Cars Loan	-	-	5.24%	up to 72 months
Details As low as; Loan interest rates are based on credit worthiness and the terms of the loan. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Used Car Loan	-	-	5.74%
Details As Low As; Refinance an auto loan from another institution with GECU and get a free auto detail certificate from Y-City Detailing. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Used Cars Loan	-	-	5.74%	up to 72 months
Details As low as; Loan interest rates are based on credit worthiness and the terms of the loan. 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: 5.36%

Genesis Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%	up to 48 months
Details As low as; Loan interest rates are based on credit worthiness and the terms of the loan. 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: 5.36%

Genesis Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Other Collateral (new) Loan	-	-	6.49%	up to 72 months
Details As low as; Loan interest rates are based on credit worthiness and the terms of the loan. 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: 5.36%
Other Collateral (used) Loan	-	-	7.49%	up to 72 months
Details As low as; Loan interest rates are based on credit worthiness and the terms of the loan. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Share Accounts	0.10%	-	0.10%
Min Balance $100 Details Balance: $100 - $2499 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Share Accounts	0.20%	-	0.20%
Min Balance $2,500 Details Balance: $2500 - $4999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Share Accounts	0.30%	-	0.30%
Min Balance $5,000 Details Balance: $5000 & > Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

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

Genesis Employees Credit Union’s Texas Ratio rose from 1.80% in Q3 2023 to 5.36% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$22M	5.36%	5.0	A+
March 31, 2026	$22M	3.67%	5.0	A+
December 31, 2025	$21M	3.27%	5.0	A+
September 30, 2025	$21M	6.61%	5.0	A
June 30, 2025	$21M	6.61%	5.0	A
March 31, 2025	$21M	6.22%	5.0	A
December 31, 2024	$20M	4.28%	5.0	A+
September 30, 2024	$21M	3.72%	5.0	A+
June 30, 2024	$20M	3.13%	5.0	A+
March 31, 2024	$20M	2.18%	5.0	A+
December 31, 2023	$19M	4.14%	5.0	A+
September 30, 2023	$20M	1.80%	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 Genesis Employees 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 Genesis Employees 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 Genesis Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Genesis Employees Credit Union

Website https://genesisecu.com

Address 830 Bethesda Dr, Zanesville, OH 43701-1895

Phone 740-454-4603

Fax 740-455-4935

President Shane Jenkins

CEO Michael King

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

5.36%

Return on Assets (ROA)

0.7715%

Return on Equity (ROE)

5.3539%

Non-Performing Loans Ratio (NPL)

1.61%

Total Assets

22,168,736

Total Amount of Shares and Deposits

18,893,464

Total Shares and Deposits < 1 Year

18,777,685

Total Shares and Deposits 1 3 Years

115,779

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

132,059

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

132,059

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

18,761,405

Total Interest Expense (Sum of items 6 8)

98,741

Share Certificates

189

Number of Accounts for Share Drafts

549

Number of Accounts for Regular Shares

5,020

Money Market Shares

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

183,666

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)

2,095,769

Total Liabilities

18,974,262

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Genesis Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Genesis Employees Credit Union

How many branches does Genesis Employees Credit Union operate?

Genesis Employees 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 Genesis Employees Credit Union?

Yes, to access services at Genesis Employees 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, Genesis Employees 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, Genesis Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Genesis Employees Credit Union offer online and mobile banking?

Most modern institutions like Genesis Employees 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://genesisecu.com.