Genisys Credit Union
Headquarters
2100 Executive Hills Dr
Auburn Hills, MI 48326
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Phone 248-322-9800
2024 Overview
General Credit Union Information
Genisys is an NCUA insured institution located in Auburn Hills, MI. It was founded in 1964 and has approximately $5199.45 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 | $5,199.45 million |
| Loans | $3,672.58 million |
| Deposits | $4,235.11 million |
| Capital | $822.55 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 - November 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| High Yield Youth Savings
|
5.12% | $0 | $500 |
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|
| SAV
|
0.10% | $5 | - |
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|
|
Money Market
|
1.76% | $50,000 | $74,999 |
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|
|
Money Market
|
1.97% | $75,000 | $99,999 |
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|
|
Money Market
|
2.17% | $100,000 | $249,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.43% | $500 | $99,999 |
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|
| 6 Mo CD
|
3.48% | $100,000 | - |
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|
| 7 Mo CD
|
5.25% | $500 | - |
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|
| 12 Mo CD
|
3.59% | $500 | $99,999 |
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|
| 12 Mo CD
|
3.64% | $100,000 | - |
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|
| 13 Month Special
|
4.98% | $500 | - |
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|
| 18 Mo CD
|
3.49% | $500 | $99,999 |
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|
| 18 Mo CD
|
3.55% | $100,000 | - |
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|
| 19 Month Special
|
4.84% | $500 | - |
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|
| 24 Mo CD
|
3.64% | $500 | $99,999 |
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|
| 24 Mo CD
|
3.69% | $100,000 | - |
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|
| 25 Month Special
|
4.73% | $500 | - |
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|
| 36 Mo CD
|
3.80% | $500 | $99,999 |
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|
| 36 Mo CD
|
3.85% | $100,000 | - |
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|
| 48 Mo CD
|
3.89% | $500 | $99,999 |
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|
| 48 Mo CD
|
3.94% | $100,000 | - |
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|
| 60 Mo CD
|
3.97% | $500 | $99,999 |
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|
| 60 Mo CD
|
4.02% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $1,500 | - | Learn More |
Loan Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 491986 |
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NMLS ID: 3029 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
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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:
Columbus,Ohio
Genisys Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 157.31 | A | View Lobby Hours | |
| 159.64 | B | View Lobby Hours | |
| 161.43 | C | View Lobby Hours | |
| 168.54 | D | View Lobby Hours | |
| 179.45 | E | View Lobby Hours | |
| 179.91 | F | View Lobby Hours | |
| 183.87 | G | View Lobby Hours | |
| 183.97 | H | View Lobby Hours | |
| 185.13 | I | View Lobby Hours | |
| 185.96 | J | View Lobby Hours | |
| 185.96 | K | View Lobby Hours | |
| 186.46 | L | View Lobby Hours | |
| 187.00 | M | View Lobby Hours | |
| 187.03 | N | View Lobby Hours | |
| 188.00 | O | View Lobby Hours | |
| 188.50 | P | View Lobby Hours | |
| 189.16 | Q | View Lobby Hours | |
| 189.34 | R | View Lobby Hours | |
| 191.25 | S | View Lobby Hours | |
| 192.58 | T | View Lobby Hours | |
| 198.03 | U | View Lobby Hours | |
| 199.96 | V | View Lobby Hours | |
| 201.55 | W | View Lobby Hours | |
| 205.71 | X | View Lobby Hours | |
| 209.17 | Y | View Lobby Hours | |
| 219.23 | Z | View Lobby Hours |
Climate Policy and Initiatives
GENISYS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 4.28% | 5.83 |
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 June 30, 2024, Genisys had $32,144,691 in non-current loans and $4,767,838 in owned assets. To cover these potential losses it had $822,547,474 in net worth and $40,413,701 in loans loss reserves. That gives it a Texas Ratio of 4.28%.
Net Worth
| Genisys | U.S. Average |
|---|---|
| 15.8% | 13.93% |
Genisys FCU has a net worth of 15.8% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Genisys
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