# Genisys Credit Union CD and share certificate rates

As of October 22, 2026, Genisys Credit Union's highest tracked 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.

Canonical page: https://apyledger.com/cd-rates/genisys-credit-union
Institution: Genisys Credit Union (NCUA 68536)
Aliases: Genisys
Status: live
Last verified: 2026-10-22T12:04:55.000Z (October 22, 2026)
Official source: https://www.genisyscu.org/personal/savings/savings-certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.59% | Not ZIP-priced | −0.81% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 6 months | $500 | 3.54% | Not ZIP-priced | −0.86% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Certificate Special | promotional | 7 months | $500 | 4.50% | Not ZIP-priced | +0.07% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Youth Flex Certificate | special | 12 months | $100 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.84% | Not ZIP-priced | −0.73% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 12 months | $500 | 3.79% | Not ZIP-priced | −0.78% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Flex Certificate | standard | 12 months | $100 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Certificate Special | promotional | 13 months | $500 | 4.60% | Not ZIP-priced | +0.00% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Flex Certificate Special | promotional | 14 months | $100 | 4.06% | Not ZIP-priced | −0.56% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 18 months | $100,000 | 4.01% | Not ZIP-priced | −0.71% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 18 months | $500 | 3.96% | Not ZIP-priced | −0.76% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Certificate Special | promotional | 19 months | $500 | 4.25% | Not ZIP-priced | −0.49% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 24 months | $100,000 | 4.04% | Not ZIP-priced | −0.83% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 24 months | $500 | 3.99% | Not ZIP-priced | −0.88% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Certificate Special | promotional | 25 months | $500 | 4.35% | Not ZIP-priced | −0.52% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 36 months | $100,000 | 4.13% | Not ZIP-priced | −0.82% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 36 months | $500 | 4.08% | Not ZIP-priced | −0.87% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 48 months | $100,000 | 4.13% | Not ZIP-priced | −0.85% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 48 months | $500 | 4.08% | Not ZIP-priced | −0.90% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Jumbo Certificate | standard | 60 months | $100,000 | 4.09% | Not ZIP-priced | −0.92% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |
| Term Certificate | standard | 60 months | $500 | 4.04% | Not ZIP-priced | −0.97% | 2026-10-22T12:04:55.000Z | [Snapshot 265](https://apyledger.com/snapshots/265) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.