Genisys Commerce Twp MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Genisys, your trusted partner in financial growth and community support, located conveniently at 2445 Union Lake Rd, Commerce Twp, MI 48382. Established in 1964, our credit union has proudly served over 280,450 members with a commitment to providing personalized banking solutions. At Genisys, we understand that each member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and business financing. With total assets exceeding $5.27 billion and total deposits of $507,227,679, you can trust that your finances are in capable hands. Our dedicated team of 533 employees works tirelessly to ensure that you receive the best service possible. Under the leadership of our CEO, Jacqueline Buchanan, and Board President, Brian Zabowski, we remain committed to enhancing your financial experience while fostering a strong sense of community. While members can visit us at our branch for assistance, official correspondence should be directed to our mailing address at 2445 Union Lake Rd, Commerce Twp, MI 48382-3554. We invite you to explore the many ways we can assist you on your financial journey. Feel free to give us a call at 248-363-3539 or visit our website at Genisys Credit Union for more information. Together, let's build a brighter financial future!

Branch History & Mission

Community Commitment

Our commitment goes beyond financial services; it extends into the heart of Commerce Twp. We partner with local organizations to support various initiatives that uplift our community whether it's sponsoring local events or participating in charitable drives. We believe that by working together, we can create a brighter future for everyone. With ADA compliance in mind, we ensure that all our facilities are accessible to everyone in the community. Additionally, we offer digital banking options so you can manage your finances on the go because convenience matters. In closing, we invite you to join Genisys Credit Union. Experience firsthand how our dedicated team works tirelessly to provide you with personalized service and valuable financial products designed just for you. Together, let's build a stronger community! If you have any questions or wish to learn more about becoming a member, feel free to reach out at 248-363-3539 or visit us online at Genisys Credit Union.

Our Mission

At Genisys, our mission is clear: we strive to empower our members by providing them with financial tools and resources that foster growth and stability. We believe in building lasting relationships based on trust and transparency, ensuring that each member feels valued and supported. Our services range from personal banking including checking and savings accounts to auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that financial literacy is vital for success, so we actively engage in community outreach programs aimed at educating individuals about managing their finances effectively. Whether through workshops or one-on-one consultations, we aim to equip our members with the knowledge they need to make informed decisions.

Branch Location & Accessibility

Convenient Access and Features

At Genisys, we prioritize your convenience. Our branch offers ample parking and features such as ADA compliance to ensure everyone can access our services comfortably. We also have a drive-thru service available for quick transactions like deposits and withdrawals, making it even easier for those on the go.

Get in Touch

Have questions or want to learn more about how we can assist you? Feel free to give us a call at 248-363-3539 or stop by the branch we're always happy to help! Visit Genisys today and experience friendly service combined with convenient banking solutions right here in Commerce Township!

Operating Hours

We know that life can get busy, which is why we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Thursday from 9:00 a.m. to 5:30 p.m., and on Fridays until 6:00 p.m. For those who prefer drive-thru banking, we invite you to visit us on Saturdays from 9:00 a.m. to 1:00 p.m.

Services Offered

Genisys provides a wide array of services tailored just for you. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. We also offer online and mobile banking options so you can manage your finances wherever you are.

Member Eligibility

At Genisys, we believe in building a community where everyone feels welcomed and valued. Becoming a member is simple and rewarding! If you live, work, worship, or attend school in the area around 2445 Union Lake Rd Commerce Twp Mi 48382, you may be eligible to join us. We also welcome family members of existing members. This means that if you have a loved one who is part of our credit union, you can easily join too! Being a member gives you access to personalized financial services, competitive rates on loans, and various resources designed to support your financial journey. Ready to take the next step? Opening an account at Genisys is straightforward. You can find all the details about eligibility and the account opening process by visiting our website at http://www.genisyscu.org/business/checking/business-eligibility. If you have any questions or need assistance, feel free to reach out to us at (248) 363-3539. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $518 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $127 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $391,735,746, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most: serving your customers. Accept payments seamlessly, manage sales efficiently, and gain insights into your financial health all from one platform. Explore how Genisys can be a partner in your business's growth. Visit us at 2445 Union Lake Rd Commerce Twp Mi 48382, Commerce Twp, MI or call us at (248) 363-3539 to learn more about how we can assist you today!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, Genisys offers tailored business banking solutions. Our merchant services simplify payment processing, allowing you to focus on what matters most: growing your business. Plus, our business loans can give you the financial boost needed to invest in new opportunities.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also offer perks that can help you save on everyday purchases. Picture yourself earning points for travel or cashback on groceries it's a great way to make your spending work for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we pride ourselves on our robust online and mobile banking features. You can perform transactions anytime, anywhere be it checking balances, making transfers, or using person-to-person payment options. Our ATM services ensure that cash withdrawal is just a few taps away.

Drive-Thru & ATM Access

If you prefer face-to-face interactions for simple transactions like deposits or withdrawals, take advantage of our basic drive-thru banking service. For quick cash needs outside of regular hours, our ATMs are available for balance checks and withdrawals. At Genisys, we strive to be more than just a financial institution; we want to be your trusted partner in achieving your financial goals. Whether you have questions about setting up an account or need assistance with a loan application, feel free to reach out at (248) 363-3539. We invite you to visit us at 2445 Union Lake Rd Commerce Twp Mi 48382 in Commerce Twp, MI or check out our website at 17 Commerce for more details about all our services. Let us help you take the next step towards financial well-being!

Personal Banking Solutions

For those seeking to manage their day-to-day finances, our personal banking options include checking and savings accounts designed for easy access and efficient management. Imagine having the peace of mind knowing that your funds are secure while still being easily accessible through our online and mobile banking platforms. You can transfer money, check balances, and even set up alerts all from the comfort of your home or on-the-go. If you're considering buying a new car or refinancing your existing auto loan, our auto loans and vehicle financing services offer competitive rates that can fit your budget. We also provide mortgage loans and refinancing options for those looking to purchase their dream home or reduce their monthly payments. Need some extra cash? Our personal loans and debt consolidation services can help you manage expenses with ease.

Digital & Online Banking

At Genisys, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home, on the go, or anywhere in between, our online banking platform gives you the flexibility to handle your financial needs whenever it suits you. You can access your accounts 24/7 through our website at https://www.genisyscu.org/. This means you can check balances, pay bills, and transfer money without stepping foot in a branch. Our person-to-person transfer feature allows you to send money quickly to friends or family, making it easier than ever to share costs or settle up after a meal. Security is a top priority for us. With electronic signature authorization available, you can complete transactions safely from the comfort of your home. Plus, our e-statements help reduce paper clutter while keeping your financial records organized and accessible anytime you need them. For those who love using their smartphones, we also support mobile payments, allowing you to make quick purchases with just a tap. While we don't currently have a mobile application, our website is fully optimized for mobile use, ensuring that all features are just a few taps away. At Genisys, we believe in providing tools that empower our members to manage their finances effectively and conveniently. Join us today and discover how easy banking can be!

Financial Strength

At Genisys, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is earned through transparency and consistent performance. That's why we are proud to share our financial strength, which reflects our commitment to you. With a net worth of $846,673,886, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.04% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,597,711,274 in share certificates and $756,331,599 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to your financial well-being is further reflected in our $772,216,524 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $58,801 in used auto loans and $3,722,891,401 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $26,872,895, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 476 full-time employees and 57 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. In addition to these strengths, net shares available for lending stand at $5,867,465, reinforcing our capacity to support your needs. The confidence of our community is evident with a total of 598,717 share accounts, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Genisys is your trusted partner. Visit us at 2445 Union Lake Rd Commerce Twp Mi 48382 or call (248) 363-3539 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $910,597,279 in used vehicle loans and $182,395,597 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles, making it easier than ever to find the right financing option for your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $391,735,746 provide the capital needed to grow and expand. We recognize that small businesses are vital to our community's economy, and we're here to support your ambitions through tailored lending solutions. Our commitment at Genisys is not just about providing loans; it's about building lasting relationships with our members by offering personalized service and expert guidance. For more information on our loan offerings or to check your eligibility, give us a call at (248) 363-3539 or visit us at 2445 Union Lake Rd Commerce Twp Mi 48382, located in Commerce Twp, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

Managing day-to-day expenses or unexpected costs can be challenging. That's why we offer total credit lines amounting to $1,457,401,662 and flexible terms on unsecured credit card loans, with a total of $94,938,889 in loans helping members manage their finances effectively. These products provide the flexibility you need while ensuring that you stay within your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $386,090,925, make buying or refinancing simple. We are dedicated to guiding you through the mortgage process so you can secure the best possible terms. If you're considering refinancing, our team is ready to assist you with eligibility options tailored to your situation.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing guarantees fair and transparent offers. Each loan listing reflects current market rates, ensuring that users have access to the most accurate information available.

GENISYS CREDIT UNION - Commerce Twp, MI

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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