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Advertiser Disclosure
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GRAND TRUNK BATTLE CREEK EMP Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
GRAND TRUNK BATTLE CREEK EMP's top rates as of October 10, 2026 are 2.17% APY on its 4 YEAR CD, 0.10% APY on savings, 0.75% APY on money market accounts, personal loans from 10.99% APR, and credit cards from 13.90% APR, according to rates verified by MonitorBankRates. Other GRAND TRUNK BATTLE CREEK EMP CD rates include 3 YEAR CD at 2.02%, 2 YEAR CD at 1.71%, and 1 YEAR CD at 1.61%. MonitorBankRates evaluates the financial stability of GRAND TRUNK BATTLE CREEK EMP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.28%. Rates last updated and verified on 10/10/2026. GRAND TRUNK BATTLE CREEK EMP money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GRAND TRUNK BATTLE CREEK EMP? Share your experience about GRAND TRUNK BATTLE CREEK EMP by leaving a review below, or read customer reviews before you decide to use GRAND TRUNK BATTLE CREEK EMP. GRAND TRUNK BATTLE CREEK EMP
Main Office 1275 Raymond Rd N
http://www.grandtrunkcu.com Battle Creek, MI 49014  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. GRAND TRUNK BATTLE CREEK EMP CD Rates
GRAND TRUNK BATTLE CREEK EMP Savings Rates
GRAND TRUNK BATTLE CREEK EMP Money Market Rates
GRAND TRUNK BATTLE CREEK EMP Home Equity & HELOC
GRAND TRUNK BATTLE CREEK EMP Auto Loan Rates
GRAND TRUNK BATTLE CREEK EMP RV, Boat and Powersport Loan Rates
GRAND TRUNK BATTLE CREEK EMP Credit Card Rates
GRAND TRUNK BATTLE CREEK EMP Personal Loan Rates
GRAND TRUNK BATTLE CREEK EMP Other Rates
Financial Health HistoryGRAND TRUNK BATTLE CREEK EMP’s Texas Ratio rose from 0.69% in Q3 2023 to 1.28% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for GRAND TRUNK BATTLE CREEK EMP is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather GRAND TRUNK BATTLE CREEK EMP rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with GRAND TRUNK BATTLE CREEK EMP's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
GRAND TRUNK BATTLE CREEK EMP
Website
http://www.grandtrunkcu.com
Address
1275 Raymond Rd N,
Battle Creek, MI 49014
Phone
269-965-1381
Fax
269-965-6558
President
Larry Gilbert
CEO
LuAnn Schott
Full-Time Employees
12
Part-Time Employees
3
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.28%
Return on Assets (ROA)
0.4826%
Return on Equity (ROE)
2.3443%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
39,680,032
Total Amount of Shares and Deposits
31,285,990
Total Shares and Deposits < 1 Year
31,219,260
Total Shares and Deposits 1 3 Years
66,730
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,285,990
Total Interest Expense (Sum of items 6 8)
76,130
Share Certificates
55
Number of Accounts for Share Drafts
1,777
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
3,524
Money Market Shares
402
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
344,314
Total Liabilities
31,511,723
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About GRAND TRUNK BATTLE CREEK EMPHow many branches does GRAND TRUNK BATTLE CREEK EMP operate?GRAND TRUNK BATTLE CREEK EMP currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join GRAND TRUNK BATTLE CREEK EMP?Yes, to access services at GRAND TRUNK BATTLE CREEK EMP, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, GRAND TRUNK BATTLE CREEK EMP does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, GRAND TRUNK BATTLE CREEK EMP provides members with tools to manage their accounts and build a solid financial history. Does GRAND TRUNK BATTLE CREEK EMP offer online and mobile banking?Most modern institutions like GRAND TRUNK BATTLE CREEK EMP provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.grandtrunkcu.com. Current GRAND TRUNK BATTLE CREEK EMP Rates
Retrieved from our database of financial products. Rates subject to change.
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