Current Rates

Check out our current rates - updated regularly.

Savings Rates

Type
Dividend Rate
APY
  Member Share/Savings Account
0.25%*
0.25%*
  Electronic Statement Incentive
 paid on the first $500 in the First Savings account with no minimum balance
3.00%
3.01%


* for accounts with an average daily balance of $25 or more

Rates are indications only and are subject to change at any time.

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Share Certificates of Deposit

We only accept a limited amount of certificates. Inquire about the availability at the CU. Minimum deposit and balance is $500 to open and maintain a share certificate.

Special Jumbo Certificate rates and terms are available for amounts over $100,000. Please inquire at the credit union.

Term
Dividend Rate
APY
  1 Year
2.250%
2.269%
  2 Year
2.250%
2.269%
  3 Year
2.250%
2.269%

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APY = Annual Percentage Yield.

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Auto Loan Rates

A down payment may be required with any purchase. As you look for the best car loan rate, please call the credit union to see if we can match any auto loan rate you are offered. No additional discounts are available with the matched rates including the MPG discount, loan sales, or any other offered discounts.

We offer a 0.50% discount for vehicles with an EPA mileage of 30 MPG or greater on Genesee Co-op FCU Posted Rates only. Other discounts may be available.

Model Year
Term
APR as LOW as*
  2024 & 2025 less than 12,000 miles
Up to 60 months
5.49%
61-72 months
5.99%
  2020 & up
Up to 48 months
5.74%
49-60 months
6.24%
61-72 months
6.74%
  2017 - 2019
Up to 36 months
6.74%
37-48 months
7.24%
49-60 months
7.74%
  2016 & older
Up to 36 months
7.99%
36-48 months
8.49%

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*APR = Annual Percentage Rate. Quoted rates are based on credit worthiness, qualifications, and collateral conditions. All loans are subject to approval. Some rates may only be available for new purchases or external refinancing. Your actual APR may vary. Rates are indications only and  are subject to change without notice.

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Consumer Loan Rates

Loans/Loan Options
Term
APR
  $500 - $25,000 Unsecured Loan
12-60 months
As low as 8.75%
  $5,000 - $50,000 Lien Secured (Vehicle) Personal Loan
12-72 months
As low as 6.50%
  $100 - $10,000 Line of Credit
Line-of-credit
13%
  Shared Secured Loan
As requested
3.25%

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*APR = Annual Percentage Rate. Quoted rates are based on credit worthiness, qualifications, loan term, and collateral conditions. For lien secured rates are based on the term and the age of the car. Your actual APR may vary. Rates are indications only and are subject to change without notice.

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Home Loans

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First Mortgages for Purchase or Refinance

All first mortgage products, including purchases and refinances, are offered through CUMA - the Credit Union Mortgage Association. Please contact us or visit our CUMA Genesee Co-op Page for a mortgage rate today.

Home Equity Line-of-Credit

Our HELOC rate is Prime plus 0% with a floor of 4.00% APR and a 20-year repayment period.

For more information, contact Ben Pecora-Sanefski at 585-461-2230 or ben@genesee.coop

Green Home Loans

Term
APR as LOW as*
  10 years
6.74%
  15 years
7.24%

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*APR = Annual Percentage Rate. Rates are indications only and are subject to change without notice.

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