Credit union · NCUA insured
Genisys Credit Union Auto Loan Rates
Top CarrotGenisys Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Genisys Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Genisys Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Genisys Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Electric & Hybrid Vehicle Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Genisys Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Genisys Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinancing
Refinancing for existing auto loans from other financial institutions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.04% | Model Year: 2023 and newer. 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. |
| up to 60 months | 4.99% | Model Year: 2023 and newer. 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. |
| up to 75 months | 5.49% | Model Year: 2023 and newer. 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. |
| up to 87 months | 5.74% | Model Year: 2023 and newer. Requires minimum financed amount of $25,000. 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. |
| up to 72 months | 5.74% | Model Year: 2018-2022. 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. |
| 73–84 months | 5.74% | Model Year: 2018-2022. Requires minimum financed amount of $25,000. 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. |
| up to 60 months | 6.49% | Model Year: 2015-2017. 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. |
| up to 60 months | 6.99% | Model Year: 2014 & older. 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. |
Sources (3)
- genisyscu.org/personal/loans
- genisyscu.org/personal/loans/a…ns/auto-loan-refinancing
- genisyscu.org/personal/loans/auto-loans
All captured Oct 5, 2026
Auto Loans & Financing
Available for new and used vehicle purchases and lease vehicle purchases. 90 days no payment offer available to credit scores of 660 and higher; interest accrues during the deferral period.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.04% | Model Year: 2023 and newer. 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. |
| up to 60 months | 4.99% | Model Year: 2023 and newer. 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. |
| up to 75 months | 5.49% | Model Year: 2023 and newer. 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. |
| up to 87 months | 5.74% | Model Year: 2023 and newer. Requires minimum financed amount of $25,000. 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. |
| up to 72 months | 5.74% | Model Year: 2018-2022. 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. |
| 73–84 months | 5.74% | Model Year: 2018-2022. Requires minimum financed amount of $25,000. 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. |
| up to 60 months | 6.49% | Model Year: 2015-2017. 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. |
| up to 60 months | 6.99% | Model Year: 2014 & older. 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. |
Sources (3)
All captured Oct 5, 2026
Electric & Hybrid Vehicle Loans
Financing for electric and hybrid vehicles; can include costs related to charging stations.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.04% | Model Year: 2023 and newer. 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. |
| up to 60 months | 4.99% | Model Year: 2023 and newer. 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. |
| up to 75 months | 5.49% | Model Year: 2023 and newer. 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. |
| up to 87 months | 5.74% | Model Year: 2023 and newer. Requires minimum financed amount of $25,000. 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. |
| up to 72 months | 5.74% | Model Year: 2018-2022. 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. |
| 73–84 months | 5.74% | Model Year: 2018-2022. Requires minimum financed amount of $25,000. 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. |
| up to 60 months | 6.49% | Model Year: 2015-2017. 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. |
| up to 60 months | 6.99% | Model Year: 2014 & older. 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. |
Sources (3)
- genisyscu.org/personal/loans
- genisyscu.org/personal/loans/a…s/electric-vehicle-loans
- genisyscu.org/personal/loans/auto-loans
All captured Oct 5, 2026
Who can join Genisys Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join Genisys Credit Union.
Where you live or work
- Businesses located in all of Michigan are eligible to join.
- Businesses located in Dakota, Ramsey, Anoka, Hennepin, Scott and Washington Counties in Minnesota are eligible to join.
- Businesses located in Montgomery County in Pennsylvania are eligible to join.
Employers and groups
- Businesses and individuals affiliated with one of almost 450 select employee or associational groups are eligible for membership.
Membership information collected October 5, 2026.