Genisys Royal Oak MI Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to Genisys, your trusted partner in achieving financial well-being! Located at 530 N Main St, Royal Oak, MI 48067, our branch has been serving the community since 1964. With a commitment to providing personalized service, we proudly support 280,450 members and manage assets totaling over $5.27 billion. At Genisys, we understand that each member's financial journey is unique. That's why we offer a wide range of services designed to meet your needs from checking and savings accounts to auto loans, mortgage financing, and business banking solutions. Our total deposits amount to $507,227,679, showcasing the trust our members place in us. Under the leadership of CEO Jacqueline Buchanan and Board President Brian Zabowski, our dedicated team of 533 employees is here to assist you every step of the way. We maintain a strong financial foundation with a net worth of $846,673,886, ensuring stability and security for our members. While members can visit us at our Royal Oak branch for all their banking needs, official correspondence should be sent to the same address: 530 N Main St, Royal Oak, MI 48067-1815. We invite you to reach out to us at (248) 268-1557 or explore our website at genisyscu.org for more information about our services and how we can help you achieve your financial goals. Join us today and experience the Genisys difference!

Branch History & Mission

At Genisys, our journey began in 1964 in the vibrant city of Royal Oak, MI. Since then, we have grown from a small credit union into a trusted financial partner for over 280,000 members. Located at 530 N Main St, our branch has become an integral part of the community, offering a wide range of services designed to meet the needs of our members. Over the decades, Genisys has embraced change and innovation while staying true to our mission: to provide exceptional financial services that empower our members and enrich our community. With total assets exceeding $5.27 billion, we pride ourselves on being a stable and reliable resource for individuals and families alike. Our commitment to you goes beyond just banking. We believe in building strong relationships within our community through various outreach programs and partnerships. From financial education initiatives to local sponsorships, we strive to make a positive impact right here in Royal Oak. We understand that today's world is digital, which is why we offer modern conveniences like online banking and mobile payments. Our branch is ADA compliant and equipped with an ATM for easy access to your funds. Additionally, our drive-thru service makes banking quick and convenient for those on the go. While members can visit us at our Royal Oak location, official correspondence should be sent to the same address: 530 N Main St, Royal Oak, MI 48067-1815. You can reach us at 248-268-1557 during our operating hours: Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. At Genisys, we're not just here to provide financial services; we're here to support your dreams. Join us today and experience firsthand how we can help you achieve your financial goals while making a difference in the community. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Genisys, your friendly neighborhood credit union located at 530 N Main St, Royal Oak, MI 48067! We're excited to serve our members in the heart of Royal Oak, a vibrant city known for its charming shops and lively atmosphere. Whether you're stopping by after visiting the Royal Oak Farmers Market or enjoying a day out at the Detroit Zoo, our branch is conveniently situated for all your banking needs. At Genisys, we prioritize accessibility. Our branch is designed with ADA-compliant features to ensure everyone can visit us comfortably. Ample parking is available nearby, making it easy for you to pop in anytime during our operating hours: Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. In addition to our welcoming lobby, we offer drive-thru banking for quick transactions like deposits and withdrawals without leaving your car. Plus, you'll find an ATM on-site for your convenience, ensuring you have access to cash whenever you need it. While you can always reach us at our branch address for in-person assistance, please note that official correspondence should be sent to the same address as well. If you have any questions or would like to learn more about our services ranging from checking and savings accounts to auto loans and business banking don't hesitate to give us a call at 248-268-1557. We invite you to come visit Genisys today! Experience how easy and friendly banking can be right here in Royal Oak.

Member Eligibility

At Genisys, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the areas surrounding 530 N Main St Royal Oak Mi 48067, you're likely eligible to join us. We also extend membership to family members of current members, making it easy for your loved ones to enjoy the benefits we offer together. With a focus on personal service and community engagement, being part of Genisys means you'll have access to valuable financial resources tailored to your needs. To get started, just visit our website for more details about eligibility at http://www.genisyscu.org/business/checking/business-eligibility. Once you're ready, opening an account is just as straightforward check out our account opening process at http://www.genisyscu.org/apply-for-a-loan. If you have any questions or need assistance, feel free to give us a call at (248) 268-1557. We can't wait to welcome you into the Genisys family!

Business Banking & Commercial Services

Merchant Services for Everyday Success

In addition to loans, our merchant services simplify payment processing for your business. Imagine running a bustling café; our services enable you to accept various payment types seamlessly, ensuring your customers have a smooth checkout experience. This convenience not only enhances customer satisfaction but also helps streamline your operations. At Genisys, located at 530 N Main St Royal Oak Mi 48067, Royal Oak, MI 48067, we're dedicated to empowering local businesses with the resources they need to thrive. Let us be part of your success story!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we understand that every penny counts. That's why Genisys offers tailored business banking services including merchant services and business loans. These tools are crafted to help your business thrive while simplifying your financial management.

Drive-Thru & ATM Services

Sometimes you just need a quick transaction without stepping out of your car. Our drive-thru banking allows for easy deposits and withdrawals for those busy days when time is tight. Additionally, our basic ATM access provides simple transactions like balance checks and cash withdrawals at your convenience. At Genisys, we prioritize accessibility and ease for all our members. If you have questions or need assistance navigating any of our services, please don't hesitate to reach out at (248) 268-1557. We invite you to visit us today at 530 N Main St Royal Oak Mi 48067 or explore our offerings online at https://www.genisyscu.org/. Experience firsthand how we can help simplify your financial journey!

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking services, managing your finances has never been easier. You can check balances, transfer money, and pay bills right from your phone or computer anytime, anywhere. Whether you're making a quick deposit through mobile payments or needing access to an ATM for cash withdrawal, we're here to support you every step of the way.

Personal Banking

When it comes to personal banking, Genisys offers a variety of options to suit different lifestyles. From checking and savings accounts that help you manage your funds effectively, to auto loans and vehicle financing that get you on the road with ease, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing solutions can guide you through every step of the process. Need some extra cash for unexpected expenses? Our personal loans and debt consolidation options provide flexible solutions designed to lighten your financial load. Plus, don't forget about our credit cards with rewards that give you more bang for your buck!

Digital & Online Banking

Key Features

You can access your accounts anytime, anywhere, whether you're at home or on the go. Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? With our person-to-person transfer feature, it's as easy as sending a text! We also provide electronic signature authorization for quicker transactions no need to print or fax documents anymore. Plus, our e-statements help you stay organized while reducing paper clutter. You can enjoy all these features knowing your information is secure and protected.

Mobile Banking

While we don't currently have a mobile application, you can still make use of mobile payments for quick transactions right from your smartphone. Imagine being able to grab lunch and pay with just a tap! Our goal at Genisys is to ensure that your banking experience is user-friendly and accessible. Whether you're checking your account balance or making payments, we've made it simple so you can focus on what matters most in your life. Explore all our digital banking options today by visiting https://www.genisyscu.org/ because modern banking should be effortless!

Financial Strength

A Growing Community Trusts Us

Total Share and Deposit Accounts: 598,717, showing a strong and growing member base that trusts us with their finances. This reflects the confidence our members have in us as their trusted partner. 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 530 N Main St Royal Oak Mi 48067 or call (248) 268-1557 to learn more about how we can help you achieve your financial goals.

Dedicated Team Ready to Serve You

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. Our staff is here to guide you through all your banking needs.

Focused on Member Benefits

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 $67,688,322 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. The strength of our operations allows us to adapt and grow while serving you effectively.

Reinvestment for Growth

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. This strategy not only strengthens our credit union but also enhances the overall member experience.

Secure Savings Options

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. This commitment to safeguarding your savings means you can trust that your hard-earned money is in good hands.

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $58,801 in used auto loans and $3,722,891,401 in total loans and leases. We strive to provide accessible financing options tailored to your needs.

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 also provide refinancing options for those looking to lower their monthly payments or adjust their loan terms.

Business Loans

For business owners, our outstanding commercial loans totaling $391,735,746 provide the capital needed to grow and expand your business. We offer tailored solutions to fit your unique needs and goals. At Genisys located at 530 N Main St Royal Oak Mi 48067, we pride ourselves on providing personalized service and expert guidance. For any questions or to explore eligibility options for our loan products, feel free to reach out at 248-268-1557 during our operating hours: Monday - Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today by visiting Genisys and take the first step towards achieving your financial goals!

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're here to guide you through the process and help you find the best solution for your situation.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $94,938,889 in unsecured credit card loans available, we help our members manage their finances effectively while providing peace of mind.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its commitment to providing verified data. Loan offers are sourced from legitimate financial institutions, which enhances transparency throughout the borrowing process. Importantly, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, users receive unbiased results that genuinely reflect the best options for their needs. LendMesh also offers real-time rate comparisons, allowing users to see up-to-date loan rates from multiple institutions. This feature helps individuals make well-informed choices without wasting time on outdated or misleading information. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

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 means users can trust that the offers they see are fair and transparent. Each lender's information is carefully verified, ensuring that every comparison reflects the most current rates available.

Take Action Today

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

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Merchant Services for Everyday Success

Tailored Loan Options

Comprehensive List Of Services

Business Banking

Drive-Thru & ATM Services

Online & Mobile Banking

Personal Banking

Digital & Online Banking

Key Features

Mobile Banking

Financial Strength

A Growing Community Trusts Us

Dedicated Team Ready to Serve You

Focused on Member Benefits

Operational Efficiency

Reinvestment for Growth

Secure Savings Options

Solid Financial Health

Supporting Your Financial Goals

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Take Action Today

Join Our Community