Credit union · NCUA insured
Genisys Credit Union Savings Rates
Top CarrotGenisys Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Genisys Credit Union’s savings 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
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Money Market Savings Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Genisys Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.17%
- QualifiedQualified1.51%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Money Market Account
Up to 3.04%APY
Dividends are computed daily, paid and compounded monthly. Minimum balance of $250,000 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250,000 – $500,000Minimum balance of $250,000 required to earn dividends. | 2.43% | — | Minimum balance of $250,000 required to earn dividends. |
| $500,000 – $750,000Minimum balance of $250,000 required to earn dividends. | 2.63% | — | Minimum balance of $250,000 required to earn dividends. |
| $750,000 – $1,000,000Minimum balance of $250,000 required to earn dividends. | 2.84% | — | Minimum balance of $250,000 required to earn dividends. |
| $1,000,000 and upMinimum balance of $250,000 required to earn dividends. | 3.04% | — | Minimum balance of $250,000 required to earn dividends. |
Sources (1)
- genisyscu.org/personal/savings/money-market · captured Oct 5, 2026
Money Market Savings Account
1.51%APY
Also referred to as a high yield savings account, or HYSA. Minimum balance of $2,500 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Minimum balance of $2,500 required to earn dividends. | 1.31% | — | Minimum balance of $2,500 required to earn dividends. |
| $10,000 – $24,999Minimum balance of $2,500 required to earn dividends. | 1.51% | $151 | Minimum balance of $2,500 required to earn dividends. |
| $25,000 – $49,999Minimum balance of $2,500 required to earn dividends. | 1.71% | — | Minimum balance of $2,500 required to earn dividends. |
| $50,000 – $74,999Minimum balance of $2,500 required to earn dividends. | 1.76% | — | Minimum balance of $2,500 required to earn dividends. |
| $75,000 – $99,999Minimum balance of $2,500 required to earn dividends. | 1.97% | — | Minimum balance of $2,500 required to earn dividends. |
| $100,000 – $249,999Minimum balance of $2,500 required to earn dividends. | 2.17% | — | Minimum balance of $2,500 required to earn dividends. |
| $250,000 and upMinimum balance of $2,500 required to earn dividends. | 2.38% | — | Minimum balance of $2,500 required to earn dividends. |
Sources (1)
- genisyscu.org/personal/savings/money-market · captured Oct 5, 2026
Primary Savings
0.10%APY
Available to members living in Michigan or select counties of Minnesota and Pennsylvania, or via other credit union eligibility. Opening requires $5 share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends credited quarterly. Minimum balance of $5 required to earn dividends.$5 and up | 0.10% | $10 | Dividends credited quarterly. Minimum balance of $5 required to earn dividends. |
Sources (2)
All captured Oct 5, 2026
You Name It Savings
0.10%APY
Open as many as you like for things like holiday savings, vacations, special occasions or any savings goal. Make up to six digital withdrawals/transfers per month or unlimited in-person withdrawals. Make deposits whenever you like. Dividend rate equal to rate earned on Share Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly. No minimum balance required.Any balance | 0.10% | $10 | Dividends credited quarterly. No minimum balance required. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
High Yield Youth Savings
0.10%APY
Only for members ages 0 to 21. No minimum balance. Balances above $2,500.00 are paid the standard share savings rate (0.10% APY).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends credited monthly. For members from ages 0-21 on balances up to $2,500. | 6.00% | — | Dividends credited monthly. For members from ages 0-21 on balances up to $2,500. |
| $2,500 and upBalances above $2,500.00 are paid the standard share savings rate. | 0.10% | $10 | Balances above $2,500.00 are paid the standard share savings rate. |
Sources (3)
- genisyscu.org/personal/savings/primary-savings
- genisyscu.org/personal/savings/youth-accounts
- genisyscu.org/rates
All captured Oct 5, 2026
College Rewards Money Market Account
1.51%APY
Available to college students when they open a College Checking account or standard checking account and sign up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify. | 1.31% | — | Minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify. |
| $10,000 – $24,999Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 1.51% | $151 | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
| $25,000 – $49,999Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 1.71% | — | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
| $50,000 – $74,999Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 1.76% | — | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
| $75,000 – $99,999Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 1.97% | — | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
| $100,000 – $249,999Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 2.17% | — | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
| $250,000 and upMinimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. | 2.38% | — | Minimum balance of $100 required to earn dividends. Member needs to meet minimum requirements to qualify. |
Sources (1)
- genisyscu.org/personal/savings/college-rewards-account · captured Oct 5, 2026
Health Savings Account (HSA)
0.50%APY
No fees. No minimum balance requirements. Must meet HSA eligibility criteria (covered by HDHP, not covered by other health insurance, not enrolled in Medicare, not claimed as a dependent). HSA Checking earns dividends computed daily, paid and compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited monthly. No minimum balance required.Any balance | 0.50% | $50 | Dividends credited monthly. No minimum balance required. |
Sources (2)
All captured Oct 5, 2026
IRA Money Market
0.45%APY
Combines the retirement planning benefits of an IRA with the convenience and liquidity of a money market account. Dividends credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance of $2,500 required to earn dividends. Dividends credited monthly.$2,500 and up | 0.45% | $45 | Minimum balance of $2,500 required to earn dividends. Dividends credited monthly. |
Sources (1)
- genisyscu.org/personal/savings/irasretirement · captured Oct 5, 2026
IRA Savings
0.20%APY
Open your IRA with no minimum and make contributions any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly. No minimum balance required.Any balance | 0.20% | $20 | Dividends credited quarterly. No minimum balance required. |
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.