BlueOx Credit Union

Overview / Commentary

www.blueoxcu.org

269-965-7281

115 Riverside Dr
Battle Creek, MI 49015

BlueOx Credit Union is headquartered in Battle Creek and is the 65^th largest credit union in the state of Michigan. It is also the 1,135^th largest credit union in the nation. It was established in 1936 and as of March of 2019, it had grown to 53 employees and 23,843 members at 7 locations. BlueOx Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in BlueOx Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Barry, Branch, Calhoun, Eaton, Genesee, Hillsdale, Ingham, Jackson, Kalamazoo, Kent, Lapeer, Livingston, Macomb, Oakland, St. Joseph, Washtenaw, or Wayne.
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Health

B+

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	62072
Year Chartered	1936
Employees	53
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.4%
Return on Equity - YTD	-4.32%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$181.8MM$171.4MM
Loans	Q1 2019vs Q1 2018	$107.3MM$96.8MM
Deposits	Q1 2019vs Q1 2018	$162.9MM$153.8MM
Equity Capital	Q1 2019vs Q1 2018	$16.6MM$16.0MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.0MM$841.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.4MM$680.00K
Real Estate Owned	Q1 2019vs Q1 2018	$181.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BlueOx Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.14% → $10k+
0.25%	$5	-	IRA Share Savings
0.20%	$100	-	Special Share Savings
0.20%	$5	-	Blue's Cash Corral
0.20%	$5	-	Money Mavericks
0.10%	$100	-	Regular Share Savings
0.10%	$100	-	Vacation Club
0.10%	$100	-	Christmas Club

BlueOx Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$250k^*	-	Maximum Money Market
OTHER TIERS: 0.50% → $2.5k - $50k \| 0.75% → $50k - $100k \| 1.01% → $100k - $250k
0.35%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.25% → $10k - $50k

BlueOx Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	-	$7.5k	Kasasa Cash Checking
OTHER TIERS: 0.67% → $7.5k+

BlueOx Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	32 Month CD Special (New Money)
2.73%^*	$25k^*	-	60 Month CD
OTHER TIERS: 2.53% → $500 - $10k \| 2.63% → $10k - $25k
2.50%	$500	-	16 Month CD Special (New Money)
2.43%^*	$25k^*	-	48 Month CD
OTHER TIERS: 2.22% → $500 - $10k \| 2.32% → $10k - $25k
2.43%^*	$25k^*	-	54 Month CD
OTHER TIERS: 2.22% → $500 - $10k \| 2.32% → $10k - $25k
2.12%^*	$25k^*	-	36 Month CD
OTHER TIERS: 1.92% → $500 - $10k \| 2.02% → $10k - $25k
2.12%^*	$25k^*	-	42 Month CD
OTHER TIERS: 1.92% → $500 - $10k \| 2.02% → $10k - $25k
1.92%^*	$25k^*	-	24 Month CD
OTHER TIERS: 1.71% → $500 - $10k \| 1.81% → $10k - $25k
1.92%^*	$25k^*	-	30 Month CD
OTHER TIERS: 1.71% → $500 - $10k \| 1.81% → $10k - $25k
1.61%	$500	-	18 Month CD
1.51%	$500	-	12 Month CD
1.21%	$500	-	6 Month CD
0.50%	$500	-	3 Month CD

BlueOx Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.73%^*	$25k^*	-	60 Month IRA
OTHER TIERS: 2.53% → $500 - $10k \| 2.63% → $10k - $25k
2.43%^*	$25k^*	-	48 Month IRA
OTHER TIERS: 2.22% → $500 - $10k \| 2.32% → $10k - $25k
2.43%^*	$25k^*	-	54 Month IRA
OTHER TIERS: 2.22% → $500 - $10k \| 2.32% → $10k - $25k
2.12%^*	$25k^*	-	36 Month IRA
OTHER TIERS: 1.92% → $500 - $10k \| 2.02% → $10k - $25k
2.12%^*	$25k^*	-	42 Month IRA
OTHER TIERS: 1.92% → $500 - $10k \| 2.02% → $10k - $25k
1.92%^*	$25k^*	-	24 Month IRA
OTHER TIERS: 1.71% → $500 - $10k \| 1.81% → $10k - $25k
1.92%^*	$25k^*	-	30 Month IRA
OTHER TIERS: 1.71% → $500 - $10k \| 1.81% → $10k - $25k
1.61%	$500	-	18 Month IRA
1.51%	$500	-	12 Month IRA
1.21%	$500	-	6 Month IRA
0.50%	$500	-	3 Month IRA

Locations

BlueOx Credit Union Locations
Branch Office	415 N Willowbrook Rd	Coldwater, MI 49036
Branch Office	200 W Cass St	Albion, MI 49224
Branch Office	115 Riverside Dr	Battle Creek, MI 49015
Branch Office	930 Lake St	Kalamazoo, MI 49001
Branch Office	8045 Constitution Blvd	Sterling Heights, MI 48313
Branch Office	408 E Ganson St	Jackson, MI 49201-1509
Branch Office	3302 Mindi Ln	Kalamazoo, MI 49001-4897

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