Current Rates

Open an Account   Open Certificate in Online Banking Certificate Calculator

*Annual Percentage Yield designated as APY.

Certificate specials are for a limited time and the credit union may end it at anytime without notice. Minimum certificate opening balance is $500. Specials are non-renewable. 7 month term will renew into a 6 month term, 13 month term will renew into a 12 month term, 19 month term will renew into a 18 month term and 25 month term will renew into an 24 month term. Penalty for early withdrawal.

Open an Account   Open Certificate in Online Banking Certificate Calculator

$500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Open an Account   Open Certificate in Online Banking Certificate Calculator

$100,000 is the minimum balance required to open account and earn APY.  Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

1. Annual Percentage Yield designated as APY and subject to change at any time..
2. Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.  Penalty for early withdrawal.

Open an Account   Open Certificate in Online Banking Certificate Calculator

*Annual Percentage Yield designated as APY. Certificate specials are for a limited time and the credit union may end it at anytime without notice. Minimum certificate opening balance is $500. Specials are non-renewable. 13 month term will renew into a 12 month term, 19 month term will renew into a 18 month term and 25 month term will renew into an 24 month term. Penalty for early withdrawal.

Open an Account   Open Certificate in Online Banking Certificate Calculator

$100,000 is the minimum balance required to open account and earn APY.  Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Open an Account   Open Certificate in Online Banking Certificate Calculator

$500 is the minimum balance required to open account and earn APY.  Annual Percentage Yield designated as APY and subject to change at any time Penalty for early withdrawal.

Open an Account   Health Savings Account Savings Growth Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

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

Open an Account   IRAs/Retirement Accounts Savings Growth Calculator

Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

Open an Account   Open in Online Banking Savings Growth Calculator

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

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

Open an Account   Open in Online Banking Savings Growth Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. College Rewards Money Market: minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.

Open an Account Savings Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. Minimum balance of $5 required to earn dividends.

Open an Account Savings Growth Calculator

Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance. Balances above $500.00 are paid the standard share savings rate.

Open an Account Savings Calculator

*Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance required.

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Annual Percentage Yield designated as APY. 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.

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Annual Percentage Yield designated as APY.

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Annual Percentage Yield designated as APY. Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

Enjoy no payments for 90 days for borrowers with excellent credit²

Apply Online Auto Calculators

*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.  Approximate monthly payment would be $15.55 per $1,000 borrowed at 4.99% for 75 months.
**87 month term requires minimum financed amount of $25,000.
***73-84 month term requires minimum financed amount of $25,000.

²90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.

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*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, amount borrowed, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Payment protection packages available on loan terms of 120 months or less. To qualify for 240 month term, collateral must meet requirements under the Internal Revenue Code deduction for interest paid; must contain sleeping, cooking, and toilet facilities. A minimum of 10% down payment is typically required. Approximate monthly payment would be $19.56 per $1,000 borrowed at 6.49% for 60 months.

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*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 $267.99 at 6.99% APR for 180 months. 

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*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 HELOC Calculator Lock an Existing Flex HELOC

*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.

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

Rewards Credit Mastercard Account Opening Disclosure

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

Platinum Credit Mastercard Account Opening Disclosure

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*Annual Percentage Rate (APR) is determined at time of application based on individual credit experience. Minimum credit rating required to qualify for this loan. Approximate monthly payment would be $45.68 per $1,000 borrowed at 8.99% for 24 months. Approximate monthly payment would be $20.88 per $1,000 borrowed at 9.24% for 60 months. Actual term will vary based on loan amount borrowed. Limited time offer subject to change without notice.

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*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer. Approximate monthly payment would be $25.56 per $1,000 borrowed at 10.49% for 48 months or $21.69 per $1,000 borrowed at 10.99% for 60 months.

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*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.  Approximate monthly payment would be $21.84 per $1,000 borrowed at 11.24% for 60 months. Maximum total unsecured credit allowed is $50,000.

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

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*Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required. Approximate monthly payment would be $90.02 per $1,000 borrowed at 14.49% for 12 months.

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*Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.

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*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.

*Annual Percentage Yield designated as APY.

*Annual Percentage Yield designated as APY.

*Annual Percentage Yield designated as APY.

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

Business Credit Rewards Mastercard Account Opening Disclosure

*APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.00 per $1,000 borrowed at 6.74% for 60 months.

*Loans are not eligible for discounts, GAP, MRC or credit life/disability.

Maximum total loan aggregate can not exceed $49,999.

*APR is Annual Percentage Rate. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.

*APR is Annual Percentage Rate. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999