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Consumer Loans APR* Approx Term

Personal 8.90 % as low as 48

Line of Credit as low as 10.90 % as low as N/A

Vehicles (New and Used) All Models**   3.45 % as low as 63

Vehicles (New and Used) All Models** 3.75 % as low as 75


Home Equity Terms APR

60 Months 4.50% as low as
61-120 Months 5.00% as low as
121-180 Months 5.50% as low as
181-240 Months 6.00% as low as
***Home Equity loans secured by second liens will receive a 0.50% interest rate increase in each tier level.
 
 
Savings Accounts
Dividend
APY***
Term

Share (savings) Account $100 to $2,499.99
0.20% 0.20 % N/A
Share (savings) Account up to $2,500 to $4,999.99
0.30% 0.30 % N/A

Share (savings) Account $5,000 +
0.45% 0.45 % N/A

Christmas Club Account - Min $5 and up
0.45% 0.45 % N/A

Savings Safari Club Account $0.01 to $99.99
0.10% 0.10 % N/A

Savings Safari Club Account $100+
0.45% 0.45 % N/A

Checking Accounts
Dividend
APY***
Term

GENCO Kasasa Cash - Qualifying accounts up to $10,000
1.49% 1.50 % N/A

GENCO Kasasa Cash - Qualifying accounts up to $10,000.01 and over 0.25% 1.50 %- 0.25 % N/A

GENCO Kasasa Cash - Non-qualifying accounts 0.01% 0.01 % NA
GENCO Kasasa Cash Back More details...




Advantage Checking - Qualifying accounts up to $25,000
1.00% 1.00 % N/A

Advantage Checking - Qualifying accounts $25,000.01 and over
0.40% 1.00 %- 0.40 % N/A

Advantage Checking - Non-qualifying accounts
0.01% 0.01 % N/A
First Class Checking $100 and up 0.10% 0.10 % N/A

Senior Checking $100 and up 0.10% 0.10 % N/A
Business Checking $100 and up 0.10% 0.10 % N/A

Money Market Accounts Dividend APY*** Term
Money Market Account $100 to $2,499.99 0.25% 0.25 % N/A
Money Market Account $2,500 to $4,999.99 0.35% 0.35 % N/A
Money Market Account $5,000 to $19,999.99 0.50% 0.50 % N/A
Money Market Account $20,000 to $49,999.99 0.60% 0.60 % N/A
Money Market Account $50,000 to $99,999.99
0.70%
 0.70 % N/A

Money Market Account $100,000+ 0.80% 0.80 % N/A
IRA Accumulator Accounts Dividend APY*** Term
IRA Accumulator Account $25 to $4,999.99 0.45% 0.45% N/A
IRA Accumulator Account $5,000 to $19,999.99 0.60% 0.60% N/A
IRA Accumulator Account $20,000 to $49,999.99 0.70% 0.70% N/A
IRA Accumulator Account $50,000+ 0.85% 0.85% N/A

CERTIFICATE SPECIALS

Certificates Rate APY** Rate APY Term
18 Month Term Share Certificate (CD)
 2.25% 2.27% 18 
27 Month Term Share Certificate (CD) 2.50% 2.52% 27
Offer requires new money not already on deposit with GENCO,
minimum opening balance to obtain APY is $5,000.
**These specials are a limited time offer. Effective 2/25/2019


Certificates Dividend Rate APY*** Term
6 Month Term Share Certificates (CD) - $1,000 Min. Deposit
1.15 % 1.15 % 6
12 Month Term Share Certificate (CD) - $1,000 Min. Deposit
1.85 % 1.86 % 12
24 Month Term Share Certificate (CD) - $1,000 Min. Deposit
2.00 % 2.01 % 24
36 Month Term Share Certificate (CD) - $1,000 Min. Deposit 2.15 % 2.17 % 36
48 Month Term Share Certificate (CD) - $1,000 Min. Deposit 2.35 % 2.37 % 48
60 Month Term Share Certificate (CD) - $1,000 Min. Deposit 2.75 % 2.78 % 60

Dividend Rate APY*** Term
6 Month IRA Certificate - $1,000 to $9,999.99 1.15 % 1.15 % 6
6 Month IRA Certificate - $10,000 to $24,999.99 1.20 % 1.20 % 6
6 Month IRA Certificate - $25,000 to $49,999,99 1.25 % 1.25 % 6
6 Month IRA Certificate - $50,000+ 1.30 % 1.30 % 6

Dividend Rate APY*** Term
12 Month IRA Certificate - $1,000 to $9,999.99 1.85 % 1.86 % 12
12 Month IRA Certificate - $10,000 to $24,999.99 1.90 % 1.91 % 12
12 Month IRA Certificate - $25,000 to $49,999.99 1.95 % 1.96 % 12
12 Month IRA Certificate - $50,000+ 2.00 % 2.02 % 12

Dividend Rate APY*** Term
24 Month IRA Certificate - $1,000 to $9,999.99 2.00 % 2.02 % 24
24 Month IRA Certificate - $10,000 to $24,999.99 2.05 % 2.07 % 24
24 Month IRA Certificate - $25,000 to $49,999.99 2.10 % 2.12 % 24
24 Month IRA Certificate - $50,000+ 2.15 % 2.17 % 24

Dividend Rate APY*** Term
36 Month IRA Certificate - $1,000 to $9,999.99 2.15 % 2.17 % 36
36 Month IRA Certificate - $10,000 to $24,999.99 2.20 % 2.22 % 36
36 Month IRA Certificate - $25,000 to $49,999.99 2.25 % 2.27 % 36
36 Month IRA Certificate - $50,000+ 2.30 % 2.32 % 36

Dividend Rate APY*** Term
48 Month IRA Certificate - $1,000 to $9,999.99 2.35 %
2.37 % 48
48 Month IRA Certificate - $10,000 to $24,999.99 2.40 % 2.42 % 48
48 Month IRA Certificate - $25,000 to $49,999.99 2.45 % 2.47 % 48
48 Month IRA Certificate - $50,000+ 2.50 % 2.52 % 48

Dividend Rate APY*** Term
60 Month IRA Certificate - $1,000 to $9,999.99 2.75 % 2.78 % 60
60 Month IRA Certificate - $10,000 to $24,999.99 2.80 % 2.83 % 60
60 Month IRA Certificate - $25,000 to $49,999.99 2.85 % 2.88 % 60
60 Month IRA Certificate - $50,000+ 2.90 % 2.93 % 60
*APR Consumer Loan rates effective 1/22/2019. *APR Home Equity Loan rates effective 7/23/2018. Rates are stated "As Low As". Rates and terms subject to approved credit. All rates subject to change without notice. *Payment Example: $17.38 per $1,000 financed at 3.45 for 63 months. *Rate applies to vehicle purchases or when refinancing an auto loan from another institution. *** APY=Annual Percentage Yield. Share Certificate rates effective 12/11/2018. Money Market rates effective 12/11/2018. Checking Account rates effective 10/1/2017. All other deposit rates effective 7/1/2018. Rates subject to change without notice. Penalty for early withdrawal. Minimum balance required to earn the advertised annual percentage yield.
SPECIALS **APY (Annual Percentage Yield) is accurate as of 2/25/2019 and is subject to change. Offer requires new money not already on deposit with GENCO, minimum opening balance to obtain APY is $5,000. This special is a Limited Time Offer. 18 month term certificate will automatically renew at maturity for 12 months at current APY and 27 month term certificate will automatically renew at maturity for 24 months at current APY. Subject to penalty for early withdrawal. Fees may reduce earnings. Other restrictions may apply. Ask for details.