Genisys Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Genisys Credit Union's highest CD (share certificate) rate is 4.60% APY on a 13-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.54% to 4.13% APY.
Tracking began .
Genisys Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 6 months | Jumbo Certificate | 3.59%Verified October 22, 2026 |
| 6 months | Term Certificate | 3.54%Verified October 22, 2026 |
| 7 months | Certificate Special Promotional | 4.50%Verified October 22, 2026 |
| 12 months | Youth Flex Certificate Special | 4.00%Verified October 22, 2026 |
| 12 months | Jumbo Certificate | 3.84%Verified October 22, 2026 |
| 12 months | Term Certificate | 3.79%Verified October 22, 2026 |
| 12 months | Flex Certificate | 3.70%Verified October 22, 2026 |
| 13 months | Certificate Special Promotional | 4.60%Verified October 22, 2026 |
| 14 months | Flex Certificate Special Promotional | 4.06%Verified October 22, 2026 |
| 18 months | Jumbo Certificate | 4.01%Verified October 22, 2026 |
| 18 months | Term Certificate | 3.96%Verified October 22, 2026 |
| 19 months | Certificate Special Promotional | 4.25%Verified October 22, 2026 |
| 24 months | Jumbo Certificate | 4.04%Verified October 22, 2026 |
| 24 months | Term Certificate | 3.99%Verified October 22, 2026 |
| 25 months | Certificate Special Promotional | 4.35%Verified October 22, 2026 |
| 36 months | Jumbo Certificate | 4.13%Verified October 22, 2026 |
| 36 months | Term Certificate | 4.08%Verified October 22, 2026 |
| 48 months | Jumbo Certificate | 4.13%Verified October 22, 2026 |
| 48 months | Term Certificate | 4.08%Verified October 22, 2026 |
| 60 months | Jumbo Certificate | 4.09%Verified October 22, 2026 |
| 60 months | Term Certificate | 4.04%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.60% APY (13 months). The standard rate for a similar term is 3.84% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $76 less per year. Check the account terms and set a reminder before maturity.
What are Genisys Credit Union's best CD rates by term?
Genisys Credit Union's best rate is 4.60% APY on 13 months, verified October 22, 2026.
- 6 mo3.59%
- 7 mo4.50%
- 12 mo4.00%
- 13 mo4.60%
- 14 mo4.06%
- 18 mo4.01%
- 19 mo4.25%
- 24 mo4.04%
- 25 mo4.35%
- 36 mo4.13%
- 48 mo4.13%
- 60 mo4.09%
How much interest could a Genisys Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $87.973.54% APY · Term Certificate · Standard | $175.953.54% APY · Term Certificate · Standard | $439.863.54% APY · Term Certificate · Standard | $879.733.54% APY · Term Certificate · Standard |
| 12 months | $200.004.00% APY · Youth Flex Certificate · Special | $400.004.00% APY · Youth Flex Certificate · Special | $1,000.004.00% APY · Youth Flex Certificate · Special | $2,000.004.00% APY · Youth Flex Certificate · Special |
| 13 months | $249.374.60% APY · Certificate Special · Promotional | $498.744.60% APY · Certificate Special · Promotional | $1,246.844.60% APY · Certificate Special · Promotional | $2,493.684.60% APY · Certificate Special · Promotional |
| 18 months | $300.203.96% APY · Term Certificate · Standard | $600.413.96% APY · Term Certificate · Standard | $1,501.023.96% APY · Term Certificate · Standard | $3,002.033.96% APY · Term Certificate · Standard |
| 24 months | $406.963.99% APY · Term Certificate · Standard | $813.923.99% APY · Term Certificate · Standard | $2,034.803.99% APY · Term Certificate · Standard | $4,069.603.99% APY · Term Certificate · Standard |
| 60 months | $1,094.974.04% APY · Term Certificate · Standard | $2,189.944.04% APY · Term Certificate · Standard | $5,474.864.04% APY · Term Certificate · Standard | $10,949.724.04% APY · Term Certificate · Standard |
How Genisys Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 29 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Genisys Credit Union (this institution) (highest tracked APY for this term)Certificate Special · Promotional | 13 months | $500 | Coverage: MI, MN | 4.60% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Associated BankCD special · Promotional | 13 months | $5,000 | Coverage: IA, IL, MN, MO, NE, WI | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Genisys Credit Union on October 22, 2026.
About Genisys Credit Union
- Legal name
- Genisys Credit Union
- Regulator ID
- NCUA 68536
- Headquarters
- Auburn Hills, MI
- Available in
- MI, MN
- Total assets
- $6.6 billion
- Also known as
- Genisys
- Website
- www.genisyscu.org
Source: rates read from https://www.genisyscu.org/personal/savings/savings-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Genisys Credit Union?
4.60% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Genisys Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $100,000.
How does Genisys Credit Union's best CD rate compare with Treasury yields?
4.60% APY is +0.00% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.60% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Genisys Credit Union CDs insured?
Genisys Credit Union is a federally insured credit union (NCUA 68536). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Genisys Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Genisys Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Genisys Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Genisys Credit Union before opening an account. This page is not financial advice.