--- title: "Genisys Credit Union: #1 HELOC in Michigan" description: "Genisys Credit Union has the lowest tracked HELOC rate in Michigan (6.51% APR) among 54 credit unions we verify. Genisys Credit Union rates today: vehicle loans from 4.04% APR, HELOC from 6.51% APR, savings & CDs up to 4.76% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Genisys Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/genisys" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Genisys Credit Union: #1 HELOC in Michigan ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (up to 36 months)** auto_any_36mo | 4.040% APR | 4.040% | 36 mo · any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (2023 and newer)** auto_any | 4.990% APR | 4.990% | any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (up to 60 months)** auto_any_60mo | 4.990% APR | 4.990% | 60 mo · any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (up to 75 months)** auto_any_75mo | 5.490% APR | 5.490% | 75 mo · any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (up to 72 months)** auto_any_72mo | 5.740% APR | 5.740% | 72 mo · any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (2018-2022)** auto_any | 5.740% APR | 5.740% | any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (73-84 months***)** auto_any_84mo | 5.740% APR | 5.740% | 84 mo · any | Standard | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (up to 87 months**)** auto_any_87mo | 5.740% APR | 5.740% | 87 mo · any | Standard | | **Auto Loans (2023 - newer)** auto | 5.990% APR | 5.990% | — | Standard | | **Recreational Vehicle/Boats (109-144 Months)** rv_any_144mo | 5.990% APR | 5.990% | 144 mo | Context only | | **Recreational Vehicle/Boats (84 Months)** rv_any_84mo | 5.990% APR | 5.990% | 84 mo | Context only | | **Recreational Vehicle/Boats (96 Months)** rv_any_96mo | 5.990% APR | 5.990% | 96 mo | Context only | | **Recreational Vehicle/Boats (120 Months)** rv_any_120mo | 5.990% APR | 5.990% | 120 mo | Context only | | **60-Month Auto Loan** auto_any_60mo | 5.990% APR | 5.990% | 60 mo | Standard | | **Auto Loans (61-72 Months)** auto_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard | | **Recreational Vehicle/Boats (181-240 Months)** rv | 6.490% APR | 6.490% | — | Context only | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (2015-2017)** auto_any | 6.490% APR | 6.490% | any | Standard | | **Auto Loan (2018–2022)** auto | 6.740% APR | 6.740% | — | Standard | | **84-Month Auto Loan** auto_any_84mo | 6.740% APR | 6.740% | 84 mo | Standard | | **Recreational Vehicle/Boats (145-180 Months)** rv_any_180mo | 6.990% APR | 6.990% | 180 mo | Context only | | **New Auto Loan Rates & Used Auto Loan Rates (By Model Year) (2014 & older)** auto_any | 6.990% APR | 6.990% | any | Standard | | **Used Auto Loan (2017 and Older)** auto_used | 7.990% APR | 7.990% | used | Standard | Genisys Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Up to 5-Year Home Equity Loan (Fixed)** heloc_fixed | 6.510% APR | 6.510% | — | Standard | | **Up to 10-Year Home Equity Loan (Fixed)** heloc_fixed | 7.010% APR | 7.010% | — | Standard | Genisys Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Holiday Loan (Holiday Loan)** personal | — APR | 8.990% | — | Standard | | **Current Personal Loan Rates ($500 - $50,000)** personal_unsecured | — APR | 10.740% | — | Standard | Genisys Credit Union personal loan rates as of November 11, 2026 ### Savings & CD rates 47 offers | Product | Published | Rate | Term / condition | Status | | **Genius High Yield Checking** checking | 0.05% APY | 0.05% | — | Standard | | **Business High Yield Savings Account ($0-24,999)** savings | 0.10% APY | 0.10% | — | Eligibility restricted | | **$100 - $9,999** savings | 1.30% APY | 1.30% | — | Standard | | **$2,500 - $9,999** savings | 1.30% APY | 1.30% | — | Standard | | **$10,000 - $24,999** savings | 1.50% APY | 1.50% | — | Standard | | **$25,000 - $49,999** savings | 1.70% APY | 1.70% | — | Standard | | **$50,000 - $74,999** savings | 1.75% APY | 1.75% | — | Standard | | **$75,000 - $99,999** savings | 1.95% APY | 1.95% | — | Standard | | **$100,000 - $249,999** savings | 2.15% APY | 2.15% | — | Standard | | **$250,000 And Over** savings | 2.35% APY | 2.35% | — | Standard | | **$250,000 - $499,999.99** savings | 2.40% APY | 2.40% | — | Standard | | **$500,000 - $749,999.99** savings | 2.60% APY | 2.60% | — | Standard | | **$750,000 -$999,999.99** savings | 2.80% APY | 2.80% | — | Standard | | **$1,000,000 And Over** savings | 3.00% APY | 3.00% | — | Standard | | **Business High Yield Savings Account ($25,000-99,000)** savings | 3.00% APY | 3.00% | — | Eligibility restricted | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (6 Months)** ira_cd_6mo | 3.54% APY | 3.54% | 6 mo | Standard | | **6-Month IRA Certificate ($500+)** ira_cd_6mo | 3.54% APY | 3.54% | 6 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | 3.54% APY | 3.54% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 3.64% APY | 3.64% | 12 mo | Standard | | **Business High Yield Savings Account ($100,000 +)** savings | 3.75% APY | 3.75% | — | Eligibility restricted | | **IRA Certificates $500 and Above (1 Year)** ira_cd | 3.79% APY | 3.79% | — | Standard | | **Term Certificates $500 and Above (1 Year)** cd | 3.79% APY | 3.79% | — | Standard | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (1 Year)** ira_cd | 3.79% APY | 3.79% | — | Standard | | **1 Year Youth Flex Certificate 2 $20,000 Max Balance** cd_12mo | 3.94% APY | 3.94% | 12 mo | Eligibility restricted | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (18 Months)** ira_cd_18mo | 3.95% APY | 3.95% | 18 mo | Standard | | **18-Month IRA Certificate ($500+)** ira_cd_18mo | 3.96% APY | 3.96% | 18 mo | Standard | | **18-Month Certificate ($500+)** cd_18mo | 3.96% APY | 3.96% | 18 mo | Standard | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (2 Years)** ira_cd | 3.98% APY | 3.98% | — | Standard | | **Term Certificates $500 and Above (2 Years)** cd | 3.99% APY | 3.99% | — | Standard | | **IRA Certificates $500 and Above (2 Years)** ira_cd | 3.99% APY | 3.99% | — | Standard | | **Open for Your Chance to Win $500 * (youth Flex CD)** cd | — APY | 4.00% | — | Eligibility restricted | | **Certificate Specials (14 Month Flex CD 1)** cd_14mo | 4.00% APY | 4.00% | 14 mo | Standard | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (5 Years)** ira_cd | 4.03% APY | 4.03% | — | Standard | | **IRA Certificates $500 and Above (5 Years)** ira_cd | 4.04% APY | 4.04% | — | Standard | | **Term Certificates $500 and Above (5 Years)** cd | 4.04% APY | 4.04% | — | Standard | | **Jumbo and Jumbo IRA Certificates $100,000 and Above (4 Years)** ira_cd | 4.07% APY | 4.07% | — | Standard | | **IRA Certificates $500 and Above (3 Years)** ira_cd | 4.08% APY | 4.08% | — | Standard | | **Term Certificates $500 and Above (4 Years)** cd | 4.08% APY | 4.08% | — | Standard | | **7-Month Certificate** cd_7mo | 4.23% APY | 4.23% | 7 mo | Standard | | **13-Month IRA Certificate** ira_cd_13mo | 4.57% APY | 4.57% | 13 mo | Standard | | **13-Month Certificate** cd_13mo | 4.57% APY | 4.57% | 13 mo | Standard | | **19-Month IRA Certificate** ira_cd_19mo | 4.67% APY | 4.67% | 19 mo | Standard | | **19-Month Certificate** cd_19mo | 4.67% APY | 4.67% | 19 mo | Standard | | **25-Month Certificate** cd_25mo | 4.76% APY | 4.76% | 25 mo | Standard | | **25-Month IRA Certificate** ira_cd_25mo | 4.76% APY | 4.76% | 25 mo | Standard | | **Open for Your Chance to Win $500 * (high-yield Savings)** savings | — APY | 6.00% | — | Standard | | **Open for Your Chance to Win $500 * (Genius Checking)** checking | — APY | 6.75% | — | Standard | Genisys Credit Union savings & cd rates as of November 11, 2026 Vehicle loans available from 4.04% APR for 36 months. HELOC rates from 6.51% APR. Savings and certificate yields up to 4.76% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/genisys) , verified from [Genisys Credit Union's official website](https://www.genisyscu.org/) Best product position **#1 of 54** HELOC Gap to state best **0 bp** State market leader Vs. state median **49 bp better than median** HELOC Products ranked **2** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 7.99% | Room to improve vs. the Michigan median | 300 bp from state best | 245 bp behind median | | HELOC | 6.51% | #1 of 54 · lowest in Michigan | State market leader | 49 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Genisys Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=genisys&state=michigan&code=MI&name=Genisys%20Credit%20Union) Loading branch locator… ## About Genisys Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 293.7K Assets $6.4B Founded 1964 Locations reported 33 NCUA charter 68536 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Parda** PARDA Federal Credit Union · Auburn Hills · MI · 48326-2580 Branch in the same ZIP](https://rateapi.dev/credit-unions/michigan/parda) [**Lake Trust** Auburn Hills Branch · Auburn Hills · MI · 48326-2383 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/lake-trust) [**Cornerstone Community Financial** Auburn Hills · Auburn Hills · MI · 48326 About 1.4 miles away](https://rateapi.dev/credit-unions/michigan/cornerstone-community-financial) [**Michigan State University** OUCU - Auburn Hills Regional Office · Auburn Hills · MI · 48326 About 1.4 miles away](https://rateapi.dev/credit-unions/michigan/michigan-state-university) [**Dort Financial** BROWN RD BRANCH · LAKE ORION · MI · 48359 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/dort-financial) [**Michigan Schools and Government** Rochester - The Village · Rochester Hills · MI · 48309-1418 About 2.7 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Genisys Credit Union Membership eligibility from Genisys Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Genisys Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Genisys Credit Union's membership page](https://www.genisyscu.org/) . Final membership determination is always made by the credit union. ## Work at Genisys Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Genisys Credit Union ranks against Michigan peers. - See which AI assistants fetched Genisys Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=genisys&state=michigan&code=MI&name=Genisys%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Genisys Credit Union offer? Genisys Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Genisys Credit Union rates updated? RateAPI verifies Genisys Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Genisys Credit Union's rate data? Rate data is collected directly from Genisys Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Genisys Credit Union's auto & rv loan rates? As of November 11, 2026, Genisys Credit Union offers vehicle loans from 4.04% APR. ### What is Genisys Credit Union's HELOC rate? As of November 11, 2026, Genisys Credit Union offers home equity lines of credit from 6.51% APR. ### What is Genisys Credit Union's best CD rate? As of November 11, 2026, Genisys Credit Union offers savings and certificate (CD) yields up to 4.76% APY. ### Who can join Genisys Credit Union? Genisys Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Genisys Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.genisyscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Genisys Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Genisys Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /genisys " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Genisys Credit Union locations Search, filter, and browse all 33 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/genisys Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp