Credit union · NCUA insured
Genisys Credit Union CD Rates
Top CarrotGenisys Credit Union’s best CD rate is 4.50% APY on a 25-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Genisys Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Genisys Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Genisys Credit Union
4.50%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $960
Certificate Specials
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Genisys Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.30%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.08%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Genisys Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.50%APY · 5 terms
Certificate specials are for a limited time. Non-renewable (7 month renews into 6 month, 13 month renews into 12 month, 19 month renews into 18 month, 25 month renews into 24 month). Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSpecials are non-renewable; 7 month term will renew into a 6 month term | 4.30% | $249 |
| 13 monthsSpecials are non-renewable; 13 month term will renew into a 12 month term | 4.35% | $472 |
| 14 months14 Month Flex CD renews into a regular 1 year certificate. 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 | 4.06% | $475 |
| 19 monthsSpecials are non-renewable; 19 month term will renew into a 18 month term | 4.40% | $706 |
| 25 monthsSpecials are non-renewable; 25 month term will renew into an 24 month term certificate | 4.50% | $960 |
Sources (1)
- genisyscu.org/personal/savings/savings-certificates · captured Oct 9, 2026
Jumbo Certificates
Up to 4.13%APY · 7 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.59% | — |
| 12 months | 3.84% | — |
| 18 months | 4.01% | — |
| 24 months | 4.04% | — |
| 36 months | 4.13% | — |
| 48 months | 4.13% | — |
| 60 months | 4.09% | — |
Sources (1)
- genisyscu.org/personal/savings/irasretirement · captured Oct 9, 2026
Term Certificates
Up to 4.08%APY · 7 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.54% | $175 |
| 12 months | 3.79% | $379 |
| 18 months | 3.96% | $600 |
| 24 months | 3.99% | $814 |
| 36 months | 4.08% | $1,275 |
| 48 months | 4.08% | $1,735 |
| 60 months | 4.04% | $2,190 |
Sources (1)
- genisyscu.org/personal/savings/savings-certificates · captured Oct 9, 2026
Flex Certificate
Up to 4.06%APY · 2 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits of $10 to $25,000 per day. Withdraw up to 25% principal one time without penalty. Bump-up rate one time during term if offered rate increases | 3.70% | $370 |
| 14 months14 Month Flex CD Special renews into a regular 1 year certificate. 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 | 4.06% | $475 |
Sources (1)
- genisyscu.org/personal/savings/savings-certificates · captured Oct 9, 2026
Special-purpose accounts
IRA Certificate Specials
Up to 4.50%APY · 3 terms
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 renews into 12 month, 19 month term renews into 18 month, 25 month term renews into 24 month). Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months13 month term will renew into a 12 month term | 4.35% | $472 |
| 19 months19 month term will renew into a 18 month term | 4.40% | $706 |
| 25 months25 month term will renew into an 24 month term | 4.50% | $960 |
Sources (1)
- genisyscu.org/personal/savings/irasretirement · captured Oct 9, 2026
Jumbo IRA Certificates
Up to 4.13%APY · 7 terms
$100,000 is the minimum balance required to open account and earn APY. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.59% | — |
| 12 months | 3.84% | — |
| 18 months | 4.01% | — |
| 24 months | 4.04% | — |
| 36 months | 4.13% | — |
| 48 months | 4.13% | — |
| 60 months | 4.09% | — |
Sources (1)
- genisyscu.org/personal/savings/irasretirement · captured Oct 9, 2026
IRA Certificates
Up to 4.08%APY · 7 terms
$500 is the minimum balance required to open account and earn APY. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.54% | $175 |
| 12 months | 3.79% | $379 |
| 18 months | 3.96% | $600 |
| 24 months | 3.99% | $814 |
| 36 months | 4.08% | $1,275 |
| 48 months | 4.08% | $1,735 |
| 60 months | 4.04% | $2,190 |
Sources (1)
- genisyscu.org/personal/savings/irasretirement · captured Oct 9, 2026
Youth Flex Certificate
4.00%APY · 1 term
Available only for members from ages 0-21. Additional deposits of $10 or more up to the max limit 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable only for members from ages 0-21. Balances capped at $20,000 maximum. Additional deposits of $10 or more up to the max limit per day. One time bump up rate option. One time penalty-free withdrawal up to 25% of principal | 4.00% | $400 |
Sources (2)
All captured Oct 9, 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.