Genisys Waterford MI Credit Union | Low Mortgage Rates & Personal Loans

Introduction

Welcome to Genisys, your trusted financial partner located at 4416 Dixie Hwy, Waterford, MI 48329. Established in 1964, our credit union has grown to serve over 280,450 members, providing a strong foundation of support and community service. With total assets exceeding $5.27 billion, we pride ourselves on being a reliable institution that prioritizes the financial well-being of our members. At Genisys, we understand that navigating financial decisions can sometimes be overwhelming. That's why our dedicated team, led by CEO Jacqueline Buchanan and Board President Brian Zabowski, is here to guide you every step of the way. Our staff of 533 employees is committed to delivering personalized service tailored to meet your unique needs. As a member-focused credit union, we offer a variety of products and services designed to empower you financially. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we've got you covered. With total loans and leases amounting to 195,167, we're here to help turn your dreams into reality. For your convenience, you can visit us in person or reach out via phone at 248-618-8065. While members can visit us at our branch address, official correspondence should be sent to the same address for seamless communication. We invite you to explore all that Genisys has to offer by visiting our website at genisyscu.org. Experience the difference of being a part of a community-oriented credit union where your financial goals matter!

Branch History & Mission

At Genisys, we take pride in our rich legacy and commitment to serving the Waterford community. Founded in 1964, our branch has grown alongside the needs of our members, evolving into a trusted financial partner for over 280,000 individuals. Located at 4416 Dixie Hwy, Waterford, MI 48329, we are easily accessible for all your banking needs. Since our inception, we have focused on providing personalized financial services that empower our members to achieve their goals. With total assets exceeding $5.2 billion, we have built a solid foundation that allows us to offer a wide range of products and services. Our mission is simple yet impactful: to enhance the financial well-being of our members through exceptional service and community support. As we reflect on our journey, key milestones stand out. From humble beginnings, we've expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We understand that each member's financial situation is unique; that's why we strive to tailor our services to meet individual needs. Genisys is not just about numbers; it's about people and community. Our partnerships with local organizations enable us to give back through various outreach efforts. Whether it's sponsoring events or supporting local charities, we believe in making a positive impact where it counts most. In addition to traditional banking services, we've embraced technology to enhance member experience. Our online banking platform and mobile payments make managing finances easier than ever. Plus, with ATM availability and convenient drive-thru banking options, accessing your funds is quick and hassle-free. While you can visit us at 4416 Dixie Hwy for all your banking needs, please send any official correspondence to the same address. Our dedicated team is here during the following hours: Monday to 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. At Genisys, we invite you to join us on this journey toward financial empowerment and community growth. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their future. Let us help you take the next step towards achieving your financial dreams!

Branch Location & Accessibility

Banking Services at Your Fingertips

At Genisys, we offer a wide range of services tailored just for you whether you're interested in personal banking options like checking and savings accounts or exploring loans such as auto financing and mortgages. Plus, with both ATM access and basic drive-thru services available, managing your finances has never been more straightforward. While members can visit us at 4416 Dixie Hwy, official correspondence should be sent to the same address since it doubles as our mailing address.

Convenient Access and Parking

At Genisys, we know how important convenience is for our members. Our location offers ample parking, ensuring you can easily find a spot when visiting us. Whether you're coming in for a quick transaction or to discuss your financial goals, we've designed our space to accommodate everyone comfortably. We take pride in being accessible to all our members, including those who may need additional support. Our facilities are ADA compliant with ramps and other features that cater to diverse needs.

Join Us Today!

We invite you to experience the difference at Genisys! Whether you're looking for assistance or just want to learn more about what we offer, don't hesitate to call us at 248-618-8065 or drop by during our operating hours. Our dedicated team is here to help you every step of the way!

Operating Hours Tailored for You

We want to make banking as easy as possible for you. That's why 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. If Saturdays work better for your schedule, we have drive-thru services available from 9:00 a.m. to 1:00 p.m., so you can manage your banking needs even on weekends.

Member Eligibility

At Genisys, we believe that everyone deserves a supportive financial community, and becoming a member is simple and welcoming. If you live, work, or attend school in our service area, you're likely eligible to join us! We value inclusivity and aim to provide services tailored to meet your needs. For specific eligibility details, feel free to explore our website at http://www.genisyscu.org/business/checking/business-eligibility. Not only will you gain access to a variety of financial products like checking accounts, loans, and credit cards with rewards, but you'll also become part of a community dedicated to helping you achieve your financial goals. Opening an account is straightforward! You can start the process online by visiting http://www.genisyscu.org/apply-for-a-loan, or if you prefer speaking directly with someone, give us a call at (248) 618-8065. Our friendly staff is here to guide you every step of the way. Join us at our branch located at 4416 Dixie Hwy Waterford Mi 48329 and experience the difference that comes with being part of Genisys!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your business without the hassle of payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best. From point-of-sale systems to online payment options, we provide tools that enhance customer experiences while streamlining operations. Join us at 4416 Dixie Hwy Waterford Mi 48329 in Waterford, MI, and let's work together to fuel your business success! For more information, give us a call at (248) 618-8065 or visit our website at https://www.genisyscu.org/.

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 Services

At Genisys, we understand that businesses have unique banking needs. That's why we offer specialized business banking services, including merchant services to streamline payment processing and business loans to fund growth or manage cash flow. Whether you're just starting out or looking to expand, we're here to support your success.

Convenient Access

Accessing your money should be easy. That's why we provide various ways for you to manage your finances without hassle. With our ATM and cash withdrawal services, you can get cash when you need it most. If you're on the go, our basic drive-thru banking allows you to complete simple transactions like deposits and withdrawals quickly.

Join Us Today!

Whether you're looking for personal banking solutions or business support, Genisys is here for you every step of the way. Our friendly team is ready to assist you with any questions about our services. Feel free to reach out at (248) 618-8065, or visit us at our branch location in Waterford. Together, let's build a brighter financial future! For more details about our offerings, don't forget to check out our website: 8 Waterford - Dixie Hwy.

Personal Banking Solutions

When it comes to personal banking, Genisys offers a variety of options that make managing your finances easier. Our checking and savings accounts are designed for convenience and flexibility, allowing you to access your funds whenever you need them. Plus, with our user-friendly online and mobile banking services, you can check balances, transfer money, and pay bills right from your phone or computer. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options provide competitive rates and terms that can fit your budget. We also offer mortgage loans and refinancing solutions to help you secure your dream home or reduce your current mortgage payments. If life throws unexpected expenses your way, our personal loans and debt consolidation services can help lighten the load. For those who enjoy rewards for their spending, our credit cards with rewards program allows you to earn points on purchases that can be redeemed for various perks.

Digital & Online Banking

Access Anytime, Anywhere

With our robust online banking platform available at https://www.genisyscu.org/, you can check your account balance, transfer funds, and pay bills all from the comfort of your home or wherever you may be. Our commitment to security means you can manage your finances with peace of mind.

Always There When You Need Us

Even though our branch is open during regular hours, our online banking services are available 24/7. This means whether it's day or night, you can access your accounts whenever it suits you best. Plus, for those who prefer managing their finances on their smartphones, we're excited to offer a user-friendly mobile application that puts everything right at your fingertips. In summary, Genisys is dedicated to providing you with convenient and secure digital banking options that help you manage your money effectively. Explore all these features today by visiting us online at https://www.genisyscu.org/!

Convenient Features for Every Need

We provide an array of features to make banking more accessible. Enjoy the convenience of e-statements so you can view your financial documents online without the clutter of paper. Plus, with electronic signature authorization, signing important documents is just a click away no need for printing or mailing. Need to send money quickly? Use our person-to-person transfer feature to send funds directly to friends or family, making sharing expenses effortless. And if you're someone who loves mobile payments, you're in luck! Our service supports mobile payments, allowing you to make purchases directly from your phone.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 598,717, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $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 4416 Dixie Hwy Waterford Mi 48329 or call (248) 618-8065 to learn more about how we can help you achieve your financial goals.

Commitment to 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. Our lending capacity supports members' financial goals with $58,801 in used auto loans and $3,722,891,401 in total loans and leases. Our $67,688,322 reflects our operational efficiency, 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.

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. 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.

Strong 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 terms and competitive rates to ensure you find the perfect fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $391,735,746 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase working capital, we're here to support your business ambitions.

Eligibility and Refinancing Options

We know that everyone's financial situation is unique. That's why we offer various refinancing options and eligibility assessments to help you find a solution that works for you. If you're interested in learning more about our products or checking eligibility, please visit our website or give us a call at (248) 618-8065. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us at 4416 Dixie Hwy Waterford Mi 48329 in Waterford, MI, where we look forward to assisting you with your lending needs!

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 strive to provide clear guidance through every step of the process, ensuring that you have the support you need to make informed decisions.

Unsecured Credit Cards

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $94,938,889 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits designed to enhance your spending experience.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: Loan offers come exclusively from legitimate financial institutions, ensuring full transparency in the terms and conditions. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect market options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to compare offers quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the genuine impact that LendMesh can have on your financial journey. 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.*

Ensuring Accurate Loan 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 ensures that every loan offer presented is fair and transparent. By working only with credible financial institutions, LendMesh guarantees that users receive accurate comparisons without hidden fees or misleading terms.

Genisys

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Banking Services at Your Fingertips

Convenient Access and Parking

Join Us Today!

Operating Hours Tailored for You

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make a Difference

Tailored Loan Options

Comprehensive List Of Services

Business Banking Services

Convenient Access

Join Us Today!

Personal Banking Solutions

Digital & Online Banking

Access Anytime, Anywhere

Always There When You Need Us

Convenient Features for Every Need

Financial Strength

A Growing Community

Commitment to Growth

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Business Financing

Eligibility and Refinancing Options

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Loan Comparisons

Join Our Community