Overview / Commentary
1275 Raymond Rd N
Battle Creek, MI 49014

Grand Trunk Battle Creek Emp Federal Credit Union is headquartered in Battle Creek and is the 164th largest credit union in the state of Michigan. It is also the 2,804th largest credit union in the nation. It was established in 1945 and as of September of 2018, it had grown to 11 employees and 2,871 members at 1 location. Grand Trunk Battle Creek Emp Federal Credit Union's CD rates are 68% higher than the national average, and it 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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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

NCUA #5170
Year Chartered1945
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD4.62%
Annual Interest Income$896.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$32.5MM$33.5MM
LoansQ3 2018vs Q3 2017$15.2MM$14.9MM
DepositsQ3 2018vs Q3 2017$26.8MM$28.0MM
Equity CapitalQ3 2018vs Q3 2017$5.3MM$5.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$66.00K$65.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$33.00K$38.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

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

0.50%*$2.5k*-Money Market
OTHER TIERS: 0.10% $100 - $2.5k

Grand Trunk Battle Creek Emp Federal Credit Union Checking Account Rates

0.05%$250-Share Draft Account

Grand Trunk Battle Creek Emp Federal Credit Union CD Rates

3.03%$150$1k1 Year Youth Share Certificate Special
2.17%$1k-4 Year Share Certificate
1.96%$1k-3 Year Share Certificate
1.76%$1k-2 Year Share Certificate
1.51%$1k-1 Year Share Certificate
1.26%$10k-6 Month Share Certificate - Pay Monthly
1.25%$10k-6 Month Share Certificate - Pay at Redemption

Grand Trunk Battle Creek Emp Federal Credit Union Locations
Branch Office1275 Raymond Rd NBattle Creek, MI 49014

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