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Genisys Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with Genisys Credit Union. To apply, visit genisyscu.org.

Michigan, Minnesota, Pennsylvania · Headquarters Michigan

Anyone who lives, works, worships, attends school or owns a business in Michigan, six Twin Cities counties in Minnesota, or Montgomery County PA; family of members; or membership in a partner association

Rate page on genisyscu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 4 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

4.04%NewUp to 36 months

MI · MN · PAChecked Nov 11, 2026

Published as up to 36 months, not as a single monthly term.

What the lender published

Terms up to 36 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 4.04% from Genisys Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

4.99%NewUp to 60 months

MI · MN · PAChecked Nov 11, 2026

Published as up to 60 months, not as a single monthly term.

What the lender published

Terms up to 60 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 4.99% from Genisys Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.49%NewUp to 75 months

MI · MN · PAChecked Nov 11, 2026

Published as up to 75 months, not as a single monthly term.

What the lender published

Terms up to 75 months. Model years 2023 and newer. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.49% from Genisys Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

5.74%NewUp to 87 months

MI · MN · PAChecked Nov 11, 2026

Published as up to 87 months, not as a single monthly term.

What the lender published

Terms up to 87 months. Model years 2023 and newer; 87-month term requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗

UsedUsed car rates · 2 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.74%UsedUp to 72 months

MI · MN · PAChecked Nov 11, 2026

Published as up to 72 months, not as a single monthly term.

What the lender published

Terms up to 72 months. Model years 2018-2022. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount.

5.74%Used73–84 months

MI · MN · PAChecked Nov 11, 2026

Published as 73–84 months, not as its own 84-month price.

What the lender published

Applies to 73-84 month terms. Model years 2018-2022; requires at least $25,000 financed. APR as low as; depends on credit, collateral age, payment protection, and direct deposit of payroll/Social Security/retirement with AutoPay from a Genisys account. Effective November 11, 2026.

Checked Nov 11, 2026Source genisyscu.org

Calculate payment at 5.74% from Genisys Credit UnionVisit lender ↗