Genisys Mobile Banking

The Genisys mobile app is a convenient and secure way to manage your accounts on the go. With this app, you can check balances, transfer money, pay bills, deposit checks, apply for loans, manage account alerts, and find free ATMs all from your phone or tablet. Registration is easy and can be done directly from your device, and first-time users will receive an activation code via text, email, or phone call. This app is always ready whenever you need it and offers a variety of features to make banking easier. You can view balances, transfer funds, deposit checks (for qualified members), pay bills, apply for loans, and even control your credit and debit card access with on/off and card-specific alerts. You can also set travel notifications for your cards, search transactions, and view check copies. The app also offers helpful tools such as calculators for auto, home, and mortgage loans, as well as a live chat feature and dark mode. At Genisys Credit Union, we want you to love your financial institution, and we are confident that you will when you bank with us. If you're not already a member, you can easily join through the app or by visiting our website. Current members can also apply for loans through the app, with a minimum repayment period of 1 month and a maximum of 60 months. The maximum APR for a personal loan is 18.00%, and the minimum loan amount is $1,000, with a maximum of $50,000. Please note that not all applicants may qualify for the most favorable rates or highest loan amounts. Approval and loan terms are based on credit union membership history, credit risk evaluations, and other factors such as credit history, debt-to-income ratio, and collateral availability. Highly qualified applicants may be offered higher loan amounts and lower APRs. It's also important to note that personal loans cannot be used for certain purposes, such as college expenses, business purposes, or illegal activities. To give you an idea of the cost of a loan, let's consider a scenario where a borrower receives $10,000 at an APR of 18.00% over 48 months. In this case, the borrower would repay $293.36 every month, with a total amount paid of $14,080.91. However, actual loan terms may vary depending on the borrower's credit profile, income, and other factors. Some of our loan options are specifically designed for consolidating existing debts into a single loan. It's important to note that when consolidating debts or refinancing an existing loan, the total finance charges and amount owed over the loan period may be higher than the existing debt due to longer terms or higher interest rates.