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Genisys Credit Union

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Genisys Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Genisys Credit Union offer?

Genisys Credit Union CD rates are 4.50% APY for a 7 month CD, 3.70% APY for a 12 month CD, 4.60% APY for a 13 month CD, 3.96% APY for an 18 month CD, 4.25% APY for a 19 month CD, 3.99% APY for a 2 year CD, 4.35% APY for a 25 month CD, 4.08% APY for a 3 year CD and 4.04% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Genisys Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Genisys Credit Union's CD Specials - 13 month rates are at 4.60%, CD Specials - 7 month rates are at 4.50%, CD Specials - 25 month rates are at 4.35%, CD Specials - 19 month rates are at 4.25%, 3 Year Term CD rates are at 4.08%. Genisys Credit Union's savings rates are at 6.00%. Genisys Credit Union's money market rates are at 3.04%. Genisys Credit Union's checking rates are as high as 6.75%. Genisys Credit Union's Personal Loan Rates are as low as 9.99%. Genisys Credit Union's Credit Card Rates are at 9.90%. Genisys Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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: 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
Certificate Specials - 13 month	4.52%	4.60%	13 Months
Min Deposit $500 Details Minimum certificate opening balance $500; Renews into 12 month term; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.11% → 4.60% ▲ 0.49 pts · high 4.60% / low 4.11% Oct 26, 20264.60%▲ from 4.35% Oct 14, 20264.35%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate Specials - 13 month	4.52%	4.60%	13 Months
Min Deposit $500 Details Certificate special; non-renewable; 13 month term renews into a 12 month term; penalty for early withdrawal; APY designated as APY* Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.11% → 4.60% ▲ 0.49 pts · high 4.60% / low 4.11% Oct 30, 20264.60%▲ from 4.35% Oct 14, 20264.35%▲ from 4.11% Sep 22, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Certificate Specials - 7 month	4.43%	4.50%	7 Months
Min Deposit $500 Details Minimum certificate opening balance $500; Renews into 6 month term; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 26, 20264.50%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Certificate Specials - 25 month	4.28%	4.35%	25 Months
Min Deposit $500 Details Minimum certificate opening balance $500; Renews into 24 month term; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.42% → 4.35% ▼ 0.07 pts · high 4.50% / low 4.35% Oct 26, 20264.35%▼ from 4.50% Oct 14, 20264.50%▲ from 4.42% Sep 14, 20264.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate Specials - 25 month	4.28%	4.35%	25 Months
Min Deposit $500 Details Certificate special; non-renewable; 25 month term renews into an 24 month term; penalty for early withdrawal; APY designated as APY* Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.42% → 4.35% ▼ 0.07 pts · high 4.50% / low 4.35% Oct 30, 20264.35%▼ from 4.50% Oct 14, 20264.50%▲ from 4.42% Sep 22, 20264.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Certificate Specials - 19 month	4.18%	4.25%	19 Months
Min Deposit $500 Details Minimum certificate opening balance $500; Renews into 18 month term; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.22% → 4.25% ▲ 0.03 pts · high 4.40% / low 4.22% Oct 26, 20264.25%▼ from 4.40% Oct 14, 20264.40%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate Specials - 19 month	4.18%	4.25%	19 Months
Min Deposit $500 Details Certificate special; non-renewable; 19 month term renews into a 18 month term; penalty for early withdrawal; APY designated as APY* Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.22% → 4.25% ▲ 0.03 pts · high 4.40% / low 4.22% Oct 30, 20264.25%▼ from 4.40% Oct 14, 20264.40%▲ from 4.22% Sep 22, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years	4.07%	4.13%	3 Years
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06% Oct 14, 20264.13%▲ from 4.06% Sep 14, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years	4.07%	4.13%	4 Years
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09% Oct 14, 20264.13%▲ from 4.09% Sep 14, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 3 Years	4.07%	4.13%	3 Years
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 4 Years	4.07%	4.13%	4 Years
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years	4.03%	4.09%	5 Years
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08% Oct 14, 20264.09%▲ from 4.08% Sep 14, 20264.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 5 Years	4.03%	4.09%	5 Years
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.09% APY · checked 3 times 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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 3 times 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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 3 Years	4.02%	4.08%	3 Years
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 4 Years	4.02%	4.08%	4 Years
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 3 Years	4.02%	4.08%	3 Years
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 4 Years	4.02%	4.08%	4 Years
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
14 Month Flex CD Special	4.00%	4.06%	14 Month
Min Balance $100 Details Balance: $100 and above; 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; renews into a regular 1 year certificate; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Certificate Specials - 14 Month Flex CD	4.00%	4.06%	14 Months
Min Deposit $500 Details Minimum certificate opening balance $500; Renews into regular 1 year certificate; One time option to change rate offered on same product; One time option to withdraw up to 25% of principal with no penalty; Additional deposits of $10 to $25,000 allowed per day; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.06% ▲ 0.16 pts · high 4.06% / low 3.90% Oct 14, 20264.06%▲ from 3.90% Sep 14, 20263.90%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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 5 Years	3.98%	4.04%	5 Years
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 2 Years	3.98%	4.04%	2 Years
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84% Oct 14, 20264.04%▲ from 3.84% Sep 14, 20263.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 2 Years	3.98%	4.04%	2 Years
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 5 Years	3.98%	4.04%	5 Years
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 month	3.95%	4.01%	18 Months
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 18 month	3.95%	4.01%	18 Months
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.01% APY · checked 3 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 $100 Details Ages: 0-21; Balance: $100 and above; Max Balance: $20,000; Additional deposits of $10 or more up to the max limit 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 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times 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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 2 Years	3.93%	3.99%	2 Years
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 2 Years	3.93%	3.99%	2 Years
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APY · checked 2 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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 18 month	3.90%	3.96%	18 months
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.96% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 1 Year	3.79%	3.84%	1 Year
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84% Oct 19, 20263.84%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Certificate - 1 Year	3.79%	3.84%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 1 Year	3.74%	3.79%	1 Year
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 1 Year	3.74%	3.79%	1 Year
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Flex Certificate - 1 Year	3.64%	3.70%	1 Year
Min Balance $100 Details Balance: $100 and above; 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 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 6 month	3.54%	3.59%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over; Penalty for early withdrawal Last Updated 10/30/2026 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%
Jumbo Certificate - 6 month	3.54%	3.59%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Minimum balance $100,000 to open and earn APY; penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.59% APY · checked 3 times 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 Details Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.54% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Certificate - 6 month	3.49%	3.54%	6 months
Min Deposit $500 Min Balance $500 Details $500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading Last Updated 10/30/2026 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%

Genisys Credit Union Savings Rates

Product	Rate	APY
High Yield Youth Savings	5.84%	6.00%
Details Age: 0-21; No minimum balance; Dividend Credited: Monthly; Balances above $2,500.00 are paid the standard share savings rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Health Savings Accounts (HSA)	0.50%	0.50%
Details Dividend Credited: Monthly; No minimum balance required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings	0.20%	0.20%
Details Dividend Credited: Quarterly; No minimum balance required; APY designated as APY and subject to change at any time Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 8 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 +; *Annual Percentage Yield designated as APY. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 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; *Annual Percentage Yield designated as APY. Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 7 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; *Annual Percentage Yield designated as APY. Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 7 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 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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; Minimum balance of $250,000 required to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 10 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; Minimum balance of $250,000 required to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.84% APY · checked 10 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; Minimum balance of $250,000 required to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 10 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; Minimum balance of $250,000 required to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 10 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; Minimum balance of $100 required to earn dividends; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 10 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; Minimum balance of $100 required to earn dividends; First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market; Member needs to meet minimum requirements to qualify Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 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; Minimum balance of $2,500 required to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 10 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 10/30/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 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; Qualifying balance up to $7,500.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APY · checked 8 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 Annual Percentage Yield designated as APY. Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Basic Checking	0.00%	0.00%
Min Balance $0 Details Annual Percentage Yield designated as APY. Last Updated 10/30/2026 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 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 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 As Low As; Loan to Value up to 80.00%; best rate for loan amount under $400,000, LTV at or below 80%, credit score 740 or higher Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.51% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Flex Home Equity Line of Credit	-	-	6.77%
Details As Low As; Loan to Value up to 80.00%; Maximum APR 18.00%; Rate shown for loan amount under $400,000 and credit score of 740 or higher; minimum line of credit $5,000; minimum draw $100 Last Updated 10/30/2026 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 As Low As; Loan to Value up to 80.00%; best rate for loan amount under $400,000, LTV at or below 80%, credit score 740 or higher Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.01% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Flex Home Equity Line of Credit	-	-	7.78%
Details As Low As; Loan to Value up to 90.00%; Maximum APR 18.00%; 90% loan to value available to credit scores of 660 and higher; loan amount under $400,000; minimum line of credit $5,000; minimum draw $100 Last Updated 10/30/2026 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 & Used Auto Loan	-	-	4.04%	up to 36 months
Details As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	4.99%	up to 60 months
Details As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	5.49%	up to 75 months
Details As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	5.74%	up to 87 months
Details As Low As; Model Year: 2023 and newer; Minimum financed amount $25,000 for 87 month term; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	5.74%	up to 72 months
Details As Low As; Model Year: 2018-2022; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	5.74%	73-84 months
Details As Low As; Model Year: 2018-2022; Minimum financed amount $25,000 for 73-84 month term; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan	-	-	5.99%	60 Months
Details As Low As; Model Year: 2023 - newer; Auto loans are not eligible for discounts, GAP, MRC or credit life/disability Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 6.49% → 5.99% ▼ 0.50 pts · high 6.49% / low 5.99% Oct 14, 20265.99%▼ from 6.49% Oct 1, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan	-	-	6.49%	61-72 Months
Details As Low As; Model Year: 2023 - newer; Auto loans are not eligible for discounts, GAP, MRC or credit life/disability Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	6.49%	up to 60 months
Details As Low As; Model Year: 2015-2017; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan	-	-	6.74%	84 Months
Details As Low As; Model Year: 2023 - newer; Auto loans are not eligible for discounts, GAP, MRC or credit life/disability Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan	-	-	6.74%	60 Months
Details As Low As; Model Year: 2018 - 2022; Auto loans are not eligible for discounts, GAP, MRC or credit life/disability Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 14, 20266.74%▲ from 6.49% Oct 1, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
New & Used Auto Loan	-	-	6.99%	up to 60 months
Details As Low As; Model Year: 2014 & older; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan	-	-	7.99%	60 Months
Details As Low As; Model Year: 2017 - older; Auto loans are not eligible for discounts, GAP, MRC or credit life/disability Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 6.99% → 7.99% ▲ 1.00 pts · high 7.99% / low 6.99% Oct 14, 20267.99%▲ from 6.99% Oct 1, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto - Term Loan	-	-	12.49%	48 Months
Details As Low As; Maximum Loan Amount: $40,000.00; A minimum of 20% down payment is required; Not eligible for discounts, GAP, MRC or credit life/disability; Maximum total loan aggregate can not exceed $49,999 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 12.49% APR · checked 4 times 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 As Low As; Model Year: 2021 and newer; Loan Amount: $30,000 - up; Available to credit scores of 725+; Loan to value (LTV) up to 90%; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	5.99%	84 Months
Details As Low As; Model Year: 2016 - 2020; Minimum Loan Amount: N/A; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	5.99%	120 Months
Details As Low As; Model Year: 2016 - 2020; Minimum Loan Amount: $15,000; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	5.99%	96 Months
Details As Low As; Model Year: 2021 and newer; Minimum Loan Amount: N/A; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	5.99%	109-144 Months
Details As Low As; Model Year: 2021 and newer; Minimum Loan Amount: $20,000; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	6.49%	181-240 Months
Details As Low As; Model Year: 2021 and newer; Minimum Loan Amount: $75,000; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	6.99%	145-180 Months
Details As Low As; Model Year: 2021 and newer; Minimum Loan Amount: $30,000; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Recreational Vehicle/Boats Loan	-	7.99%	84 Months
Details As Low As; Model Year: 2015 and older; Minimum Loan Amount: N/A; Down Payment Required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Genisys Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum Credit Card	-	9.90%
Details As Low As; APR determined at time account is opened and based on credit qualifications; Apply Online Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 9.90% → 9.90% ▼ 0.00 pts · high 19.99% / low 9.90% Oct 14, 20269.90%▼ from 19.99% 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%
Business Credit Card	-	13.00%
Details As Low As; Maximum APR: 17.01%; APR is variable and based on the current prime rate; Business Credit Rewards Mastercard Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 13.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Mastercard Rewards Credit Card	-	13.99%
Details As Low As; Regular APR: 18.00%; Mastercard Credit Rewards APR is variable and is based on the current prime rate. Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 18.00% / low 13.74% Oct 14, 202613.99%▼ from 18.00% 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%

Genisys Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan Rate Special	9.99%	up to 60 months
Details As Low As; Loan Amount: $5,000 - $30,000; Limited time offer; Minimum credit score required; Direct Deposit with AutoPay from a Genisys account may be required Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Personal Loan Rate Special	10.49%	up to 72 months
Details As Low As; Loan Amount: $5,000 - $30,000; Limited time offer; Minimum credit score required; Direct Deposit with AutoPay from a Genisys account may be required Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.49% APR · checked 5 times 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 Builder Loan	-	-	5.74%	12 Months
Details Term: 12 Months per $1,000 borrowed; As Low As; Loan Amount: $1,000 - $5,000; Approximate monthly payment would be74% for 12 months Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Credit Starter Loan	-	-	14.49%	12 Months
Details As Low As; Loan Amount: Up to $1,000; Must be Genisys Credit Union member for at least 3 months; Proof of Income required; Direct Deposit with AutoPay may affect APR Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 14.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Express Loan	-	-	17.64%	12 Months
Details As Low As; Loan amount: Up to $2,000; Requires direct deposits of at least $1,500 per month to a Genisys Credit Union account for the three months prior to application; Only one Express Loan open at a time; No more than 3 new Express Loans in a six month rolling period; Limited time offer; Apply Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.64% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Machinery/Equipment Loan	-	-	8.74%	60 Months
Details As Low As; Maximum Loan Amount $40,000.00; Minimum 20% down payment required; Maximum aggregate loan amount not to exceed $49,999 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 18 Months	3.90%	-	3.96%	18 Months
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Term Certificate - 6 Months	3.49%	-	3.54%	6 Months
Min Deposit $500 Details Term Certificates $500 and Above; Penalty for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.54% APY · checked 2 times 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.
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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

2026 MBR Health & Safety Badge

Genisys Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Genisys Credit Union

Does Genisys Credit Union offer CDs?

Yes. Genisys Credit Union current CD rates include its CD Specials - 13 month at 4.60% APY, its CD Specials - 7 month at 4.50% APY and its CD Specials - 25 month at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Genisys Credit Union NCUA insured?

Yes. Genisys Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Genisys Credit Union?

The highest Genisys Credit Union CD rate is its CD Specials - 13 month at 4.60% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Genisys Credit Union offer?

Genisys Credit Union CD rates are 4.50% APY for a 7 month CD, 3.70% APY for a 12 month CD, 4.60% APY for a 13 month CD, 3.96% APY for an 18 month CD, 4.25% APY for a 19 month CD, 3.99% APY for a 2 year CD, 4.35% APY for a 25 month CD, 4.08% APY for a 3 year CD and 4.04% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Genisys Credit Union for its full lineup.

What is the highest savings rate at Genisys Credit Union?

The highest Genisys Credit Union savings rate is its Business High Yield Savings Account at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Genisys Credit Union?

The highest Genisys Credit Union money market rate is its Jumbo Money Market at 3.04% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Genisys Credit Union?

The highest Genisys Credit Union checking rate is its Business Checking Plus at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Genisys Credit Union?

The lowest Genisys Credit Union auto loan rate is its New & Used Auto Loan at 4.04% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Genisys Credit Union?

The lowest Genisys Credit Union personal loan rate is its Personal Loan Rate Special at 9.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Genisys Credit Union?

The lowest Genisys Credit Union credit card APR is its Mastercard Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Genisys Credit Union rates compare?

Genisys Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. Genisys Credit Union's top rates are its CD Specials - 13 month at 4.60% APY, its High Yield Youth Savings at 6.00% APY, its Jumbo Money Market at 3.04% APY, its Genius High Yield Checking at 6.75% APY, its Personal Loan Rate Special at 9.99% APR and its Mastercard Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026.

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 November 2026

Brian McKay

Overall Health & Safety Grade

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Genisys Credit Union CD Rates

Genisys Credit Union Savings Rates

Genisys Credit Union Business Savings Rates

Genisys Credit Union Money Market Rates

Genisys Credit Union Checking Rates

Genisys Credit Union Business 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

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Financial Health History

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Credit Union Profile & Overview

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Genisys Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Genisys Credit Union

Does Genisys Credit Union offer CDs?

Are CDs from Genisys Credit Union NCUA insured?

What is the highest CD rate at Genisys Credit Union?

What CD terms does Genisys Credit Union offer?

What is the highest savings rate at Genisys Credit Union?

What is the highest money market rate at Genisys Credit Union?

What is the highest checking rate at Genisys Credit Union?

What is the lowest auto loan rate at Genisys Credit Union?

What is the lowest personal loan rate at Genisys Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Genisys Credit Union rates compare?

Current Genisys Credit Union Rates

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