Genisys Oxford MI Credit Union | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Genisys, your trusted financial partner located at 120 S Washington St, Oxford, MI 48371. Established in 1964, we have proudly served our community for nearly six decades, building a strong foundation of trust and reliability. With over 280,450 members, we strive to provide personalized banking solutions tailored to meet your unique financial needs. At Genisys, we understand that every member is different. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and much more. With total assets exceeding $5.27 billion and deposits amounting to $507 million, you can be confident that your money is secure with us. Our dedicated team of 533 employees, led by CEO Jacqueline Buchanan and Board President Brian Zabowski, is committed to fostering a community-focused environment where your financial well-being comes first. We are here to assist you whether you visit us in person or utilize our online and mobile banking services. While members can visit us at 120 S Washington St, official correspondence should be sent to the same address for convenience. You can reach us at (248) 236-8135 during our operating hours: Monday through Thursday from 9:00 a.m. to 5:30 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Explore all that Genisys has to offer by visiting our website at genisyscu.org. Join us today and experience the difference in community-driven banking!

Branch History & Mission

Community Engagement

As part of our commitment to accessibility, we are proud to operate in compliance with ADA standards. Our digital advancements include online banking options and mobile payments, making it easier than ever for members to manage their finances from anywhere. While members can visit us at 120 S Washington St, official correspondence should be sent to 120 S Washington St, Oxford, MI 48371-4975. You can reach us at 248-236-8135 during our operating hours: Monday through Thursday from 9:00 a.m. to 5:30 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m.

Join Us

We invite you to join the Genisys family and experience the difference that comes with being part of a community-focused credit union. Together, we can navigate your financial journey with care and dedication. Visit us today or check out our website at GenisysCU.org for more information on how you can become a member!

Our Mission

Our mission is simple yet powerful: to empower members by offering personalized financial solutions that help them achieve their goals. We believe that everyone deserves access to quality financial services. This belief drives us to offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. At Genisys, we recognize that our role extends beyond just banking; we aim to make a positive impact on the community. Through partnerships with local organizations and community outreach initiatives, we strive to uplift those around us while ensuring every member feels valued and supported.

Branch Location & Accessibility

Welcome to Genisys, your friendly neighborhood credit union located at 120 S Washington St in the charming town of Oxford, MI. We're not just a bank; we're a community hub where you can enjoy convenient banking services while feeling right at home. Nestled in the heart of Oakland County, our branch is easily accessible and surrounded by local landmarks, making it simple for you to drop by and see us. Our location is designed with your convenience in mind. Whether you're popping in to deposit a check or seeking advice on a loan, you'll find our parking space ample and easy to navigate. We also prioritize accessibility; our branch is ADA compliant with ramps and features that ensure everyone can visit us comfortably. At Genisys, we understand that your time is valuable. That's why we offer extended operating hours throughout the week: Monday through Thursday from 9:00 a.m. to 5:30 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. This means you can manage your banking needs when it suits you best! For those who prefer quick transactions, our drive-thru service allows you to handle simple banking tasks without leaving your car. Need cash? Our ATM is available on-site for your convenience as well. While members can visit us at 120 S Washington St, official correspondence should be sent to the same address for streamlined communication. If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 248-236-8135. We invite you to stop by and discover how Genisys can support your financial journey. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way!

Member Eligibility

At Genisys, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is simple and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join our family. We embrace individuals from all walks of life, making it easy for you to access the tools and resources needed for your financial success. To learn more about the specific eligibility requirements, feel free to visit our dedicated page at http://www.genisyscu.org/business/checking/business-eligibility. Opening an account at Genisys is just as straightforward. Our team is ready to assist you every step of the way, ensuring that your experience is smooth and enjoyable. Whether you're looking for checking accounts, savings options, or loans tailored to your needs, we have something for everyone. Don't hesitate to reach out at (248) 236-8135 if you have any questions or if you're ready to start your membership journey today! You can also find more information on how to open an account by visiting http://www.genisyscu.org/apply-for-a-loan. Join us at our branch located at 120 S Washington St Oxford Mi 48371, where you'll find friendly faces eager to help you succeed!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to expand your operations or invest in new equipment. 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

But it's not just about loans. Our merchant services make transactions smooth and efficient, allowing you to focus on what matters most growing your business. Imagine a world where accepting payments is as easy as a tap on your device. That's the reality we provide, helping you manage sales seamlessly and serve your customers better. Ready to take your business to the next level? Visit us at 120 S Washington St Oxford Mi 48371 in Oxford, MI or call us at (248) 236-8135 to learn more about how we can help you achieve your goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand the importance of reliable banking solutions. Our business banking services include essential tools like merchant services and business loans. We aim to support your growth by providing the financial resources needed for success.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can check your balances, transfer funds, and pay bills from anywhere at any time. With features like ATM access for cash withdrawals and balance checks, as well as person-to-person payment options, managing your money has never been easier.

Drive-Thru & Shared Services

Need to make a quick deposit or withdrawal? Our basic drive-thru banking allows for simple transactions without leaving your car. Additionally, if you're a member of partner credit unions, you can take advantage of our shared branch transactions for deposits and withdrawals. At Genisys, we strive to create an environment where all your banking needs are met under one roof. Whether you're visiting us at our branch or using our online services from home, we're here for you every step of the way. If you want to learn more about how we can assist you in reaching your financial goals, don't hesitate to contact us at (248) 236-8135 or visit us online at 10 Oxford. Let's work together towards a brighter financial future!

Personal Banking Solutions

Our personal banking options include checking and savings accounts that cater to your everyday needs. If you're thinking about buying a new car, our auto loans and vehicle financing solutions can help you get on the road quickly and affordably. For those considering home ownership or refinancing, our mortgage loans are designed with competitive rates to make your dream home a reality. In addition to these services, we offer personal loans and debt consolidation options. Life can throw unexpected expenses your way; whether it's a medical bill or a home repair, we're here to provide support. Plus, our credit cards with rewards allow you to earn while you spend, making every purchase a bit more rewarding.

Digital & Online Banking

Access Your Account Anytime

With our 24/7 online banking services, you can access your accounts whenever you need. Just visit us at https://www.genisyscu.org/ to check balances, transfer funds, and pay bills all from the comfort of your own home. Our platform is user-friendly, ensuring that navigating through your financial needs is simple and straightforward.

Easy Transfers and Payments

Need to send money to a friend? With our person-to-person transfer service, you can quickly and easily send funds directly from your account. And for those moments when you're out shopping or dining, our mobile payments feature allows you to make purchases using just your smartphone no wallet needed!

Sign with Confidence

We also offer electronic signature authorization for added convenience. This means you can approve documents digitally without the hassle of printing or mailing them back. It's one more way we help streamline your banking experience. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, making it easy to manage your finances right from your phone or tablet. At Genisys, we are committed to providing services that not only meet your needs but also enhance your overall banking experience. Whether you're checking in on your accounts or making transactions on the fly, we've got you covered every step of the way.

Stay Organized with E-Statements

Say goodbye to paper clutter! We provide e-statements so you can view your account statements online at any time. This feature not only helps you keep track of your spending but also contributes to a greener environment by reducing paper waste. Plus, rest assured that all your information is secure.

Financial Strength

Growing Together

Total Share and Deposit Accounts: 598,717, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $5,867,465. 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 120 S Washington St Oxford Mi 48371 or call (248) 236-8135 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our operational efficiency is reflected in our $67,688,322, which enables 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.

Reinvesting in Our Future

With $772,216,524 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident as we have $58,801 in used auto loans and $3,722,891,401 in total loans and leases, supporting members' financial goals across various sectors.

Solid Financial Health

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 $1,604 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 financing options whether you're purchasing a brand-new vehicle or a reliable used car.

Business Financing

For business owners, our outstanding commercial loans totaling $391,735,746 provide the capital needed to grow and expand your business. We understand the unique challenges that come with running a business and are committed to supporting your financial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $386,090,925. Our team is here to guide you through the process and find the best solution for your housing needs.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, our team is ready to help you explore your options. It's essential to find solutions that work for your current financial situation. In conclusion, Genisys is dedicated to providing tailored financial solutions that empower our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or call us at 248-236-8135 to learn more about how our loan offerings can support your financial aspirations!

Unsecured Credit Card Loans

Managing finances can sometimes be tricky. That's why we also offer flexible terms on unsecured credit card loans, with a total of $94,938,889 in loans helping members manage their expenses effectively. Enjoy the convenience and ease of access to funds when unexpected costs arise.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information provided is current and reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. Every user receives the same level of access to loan options, regardless of lender relationships. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature is crucial in a fast-moving market where rates can change frequently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh effectively meets user needs while maintaining high standards of accuracy and fairness. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Genisys

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Engagement

Join Us

Our Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Services

Convenient Digital Banking Features

Drive-Thru & Shared Services

Personal Banking Solutions

Digital & Online Banking

Access Your Account Anytime

Easy Transfers and Payments

Sign with Confidence

Stay Organized with E-Statements

Financial Strength

Growing Together

Member-Centric Savings

Operational Efficiency

Reinvesting in Our Future

Solid Financial Health

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Join Our Community