APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.genisyscu.org/personal/savings/savings-certificates
Read: 2026-10-22T12:04:55.000Z

Withdraw up to 25% of your principal one time throughout the term without an early withdrawal penalty.
Term | Dividend Rate | APY*
7 Months | 4.43% | 4.50%
13 Months | 4.52% | 4.60%
14 Month Flex CD1 | 4.00% | 4.06%
19 Months | 4.18% | 4.25%
25 Months | 4.28% | 4.35%
Open an Account Open in Online Banking Certificate Calculator *Annual Percentage Yield designated as APY. 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. 7 month term will renew into a 6 month term, 13 month term will renew into a 12 month term, 19 month term will renew into a 18 month term, 25 month term will renew into an 24 month term certificate. Penalty for early withdrawal. 1. 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. 14 Month Flex CD renews into a regular 1 year certificate. Penalty for early withdrawal.
Term | Dividend Rate | APY*
6 Months | 3.49% | 3.54%
1 Year | 3.74% | 3.79%
18 Months | 3.90% | 3.96%
2 Years | 3.93% | 3.99%
3 Years | 4.02% | 4.08%
4 Years | 4.02% | 4.08%
5 Years | 3.98% | 4.04%
Open an Account Open in Online Banking Certificate Calculator $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Term | Dividend Rate | APY*
6 Months | 3.54% | 3.59%
1 Year | 3.79% | 3.84%
18 Months | 3.95% | 4.01%
2 Years | 3.98% | 4.04%
3 Years | 4.07% | 4.13%
4 Years | 4.07% | 4.13%
5 Years | 4.03% | 4.09%
Open an Account Open in Online Banking Certificate Calculator $100,000 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Term | Dividend Rate | APY*
1 Year | 3.64% | 3.70%
14 Month Flex CD Special1 | 4.00% | 4.06%
1 Year Youth Flex Certificate2 $20,000 Max Balance | 3.94% | 4.00%
Open an Account Open in Online Banking Certificate Calculator *Annual Percentage Yield designated as APY and subject to change at any time. 1. 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. 14 Month Flex CD renews into a regular 1 year certificate. Penalty for early withdrawal. 2. Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. 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.
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