Genisys Credit Union
Genisys Credit Union — High-value auto refinancing with rates starting as low as 4.04% APR.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Genisys Credit Union does not publish this on their public site. "No restriction" means Genisys Credit Union explicitly states no limit.
Overview
Genisys Credit Union offers auto loan refinancing to help you lower your interest rate or adjust your loan term. Residents of Michigan and select areas in Pennsylvania and Minnesota are eligible for membership and loan services.…
What’s great
- Low interest rates starting at 4.04% APR for new models
- Flexible terms available up to 87 months
- Payment Reset feature allows a one-time rate and payment reduction
What to know
- Membership is restricted by geography
- Terms over 75 months have specific model year requirements
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 4.04% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 87 months |
| States served | Not disclosed |
| Membership requirement | Individuals who live, work, or worship in Michigan, or specific areas of Pennsylvania and Minnesota. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Genisys Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Genisys Credit Union before applying.
- [1]Auto Loan Refinancing - Genisys Credit Union — Refinance rates and terms — Genisys Credit Unionhttps://www.genisyscu.org/personal/loans/auto-loans/auto-loan-refinancingLast checked: October 2026
- [2]Car Loans - New & Used Vehicles - Genisys Credit Union — General auto loan info — Genisys Credit Unionhttps://www.genisyscu.org/personal/loans/auto-loansLast checked: October 2026