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Grand Trunk Battle Creek Emp Federal Credit Union


Overview / Commentary
www.grandtrunkcu.com
269-965-1381
1275 Raymond Rd N
Battle Creek, MI 49014

Grand Trunk Battle Creek Emp Federal Credit Union is headquartered in Battle Creek and is the 161st largest credit union in the state of Michigan. It is also the 2,760th largest credit union in the nation. It was established in 1945 and as of December of 2019, it had grown to 12 employees and 2,795 members at 2 locations. Grand Trunk Battle Creek Emp Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Grand Trunk (BC) Employees Federal Credit Union is open to: (1) Employees of the Canadian National Railway, Grand Trunk Western, and US Sales Organization working in or supervised from the Chicago, IL location, (2) Employees of Grand Trunk Western Railroad Company working or headquartered in: Michigan terminal, Battle Creek, or any outlying railroad station from Schoolcraft to Lansing, or the Detroit-Grand Rapids department, west of Owosso. (3) Any spouse of a deceased credit union member, retirees of the aforementioned groups, employees of the credit union, or immediate family members.
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Health
B+

Data as of Q4 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Grand Trunk Battle Creek Emp Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5170
Year Chartered1945
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.9%
Return on Equity - YTD10.41%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$33.0MM$32.3MM
LoansQ4 2019vs Q4 2018$14.8MM$15.0MM
DepositsQ4 2019vs Q4 2018$27.1MM$26.5MM
Equity CapitalQ4 2019vs Q4 2018$6.0MM$5.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$71.00K$66.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$29.00K$15.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Grand Trunk Battle Creek Emp Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--IRA
0.75%--Roth IRA
0.10%$100-Regular Share Account
0.10%$100-Vacation Club
0.10%$100-Christmas Club

Grand Trunk Battle Creek Emp Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$2.5k*-Money Market
OTHER TIERS: 0.10% → $100 - $2.5k

Grand Trunk Battle Creek Emp Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$250-Share Draft Account

Grand Trunk Battle Creek Emp Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-4 Year Share Certificate
0.60%$1k-3 Year Share Certificate
0.50%$1k-2 Year Share Certificate
0.40%$1k-1 Year Share Certificate
0.20%$10k-6 Month Share Certificate - Pay at Redemption
0.20%$10k-6 Month Share Certificate - Pay Monthly
Locations


Grand Trunk Battle Creek Emp Federal Credit Union Locations
Branch Office1275 Raymond Rd NBattle Creek, MI 49014
Branch Office240 Helmer Rd NSpringfield, MI 49037-7931

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