Genisys Credit Union

Headquarters

2100 Executive Hills Dr
Auburn Hills, MI 48326
See all branch locations →

Phone 248-322-9800

Notable Rates APY Vs.Others
Savings 0.20% 3.05% →
1-Year CD 0.50% 3.30% →
2-Year CD 0.66% 3.56% →
5-Year CD 1.25% 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Genisys is an NCUA insured institution located in Auburn Hills, MI. It was founded in 1964 and has approximately $4116.39 millions in assets.

Who can join?

You can join Genisys Credit Union if you:

Live, work, worship, attend school or own a business in the following areas:
All 68 counties in the lower peninsula of Michigan
Dakota, Ramsey, Anoka, Hennepin, Scott and Washington Counties in Minnesota
Montgomery County in Pennsylvania

Are employed by one of our affiliated select employee groups or a member of an affiliated association. Genisys Credit Union serves almost 450 different employee or associational groups. Check with your employer or association to see if you qualify for membership or call a Financial Services Representative at (800) 521-8440, ext. 5 or (248) 322-9800.

Are an immediate family member of a Genisys Credit Union member. Immediate family members include parents, spouses, siblings, children, grandparents, grandchildren, stepparents, stepchildren, stepbrothers, stepsisters and adopted children of members. Individuals living in the same household and maintaining a single economic unit with a member are also eligible to join.

NCUA Insured Yes / State-Chartered
Charter Number # # 68536
Date Established 1964
Assets $4,116.39 million
Loans $2,720.53 million
Deposits $3,492.46 million
Capital $630.70 million
 

Field of Membership Restrictions

Membership in Genisys Credit Union is open to the following: (1) those who live, work, attend school or worhsip in the state of Michigan; (2) those who live, work, attend school or worship in Ramsey, Dakota, Anoka, Hennepin, Scott and Washington Counties in Minnesota; (3) those who live, work, attend school or worship in Montgomery County in Pennsylvania; (4) immediate family of those eligible to join.

Deposit Rates - September 24, 2022

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 - Learn More
Money Market
0.20% $50,000 $74,999 Learn More
Money Market
0.25% $75,000 $99,999 Learn More
Money Market
0.30% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $500 $99,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.50% $500 $99,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
13 Month CD
0.65% $500 - Learn More
18 Mo CD
0.55% $500 $99,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.60% $500 $99,999 Learn More
24 Mo CD
0.66% $100,000 $199,999 Learn More
30 Month CD
0.85% $500 - Learn More
36 Mo CD
0.80% $500 $99,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.95% $500 $99,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.25% $500 $99,999 Learn More
60 Mo CD
1.05% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 24, 2022

Your Current Location: Washington, WA 98101

There are currently no loan rates available for GENISYS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
6.055% 5.990% 0.75 $1,758 $1,498 Learn More
Sammamish Mortgage Company
NMLS ID: 118653
License#: CL-118653
6.321% 6.250% 0.75 $1,880 $1,540 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.022% 6.875% 1.00 $3,750 $1,643 Learn More
First Internet Bank
NMLS ID: 424182
6.564% 6.500% 0.63 $1,668 $1,581 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
3.240 %
After Intro: 6.890 %
Intro Period: 6 months
$0 Learn More
More Info

Note to GENISYS
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Genisys branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Genisys Locations



Climate Initiatives

GENISYS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Genisys Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Genisys. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Genisys U.S. Average
3.12% 4.75

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2022, Genisys had $18,935,821 in non-current loans and $1,764,476 in owned assets. To cover these potential losses it had $630,696,406 in net worth and $32,937,347 in loans loss reserves. That gives it a Texas Ratio of 3.12%.

Net Worth
Genisys U.S. Average
15.32% 12.28%

Genisys FCU has a net worth of 15.32% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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