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BlueOx Credit Union

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BlueOx Credit Union Rates & Review July 2026

Q: How many branches does BlueOx Credit Union operate?

BlueOx Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join BlueOx Credit Union?

Yes, to access services at BlueOx Credit Union, 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.

Q: Is there a first-time homebuyer program?

Currently, BlueOx Credit Union 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BlueOx Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 11, 2026

You can compare BlueOx Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 2.78%. Savings rates are at 0.03% and money market rates are at 1.01%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to BlueOx Credit Union rates. MonitorBankRates evaluates the financial stability of BlueOx Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.25%. Rates were last updated on 07/11/2026.

BlueOx Credit Union 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 BlueOx Credit Union? Share your experience about BlueOx Credit Union by leaving a review below, or read customer reviews before you decide to use BlueOx Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.25%

Excellent Higher than avg

BlueOx Credit Union
Battle Creek Main

115 Riverside Dr
Battle Creek, MI 49015

https://blueoxcu.org

Current Rate Availability

We do not have BlueOx Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BlueOx Credit Union 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 BlueOx Credit Union 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 BlueOx Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BlueOx Credit Union

Website https://blueoxcu.org

Address 115 Riverside Dr, Battle Creek, MI 49015

Phone 269-965-7281

Fax 269-965-2420

President Don Hicks

CEO Kristopher Lewis

Full-Time Employees 132

Part-Time Employees 0

Branch Locations 10

ATM Locations 9

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.25%

Return on Assets (ROA)

0.2015%

Return on Equity (ROE)

1.9338%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

374,089,978

Total Amount of Shares and Deposits

330,146,994

Total Shares and Deposits < 1 Year

312,554,868

Total Shares and Deposits 1 3 Years

16,785,325

Total Shares and Deposits > 3 Years

806,800

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,544,390

Total Uninsured Shares and Deposits > $250K (F+J)

18,544,390

Total Insured Shares and Deposits > $250K (item 17 less item K)

311,602,604

Total Interest Expense (Sum of items 6 8)

2,770,656

Share Certificates

2,131

Number of Accounts for Share Drafts

19,842

IRA KEOGH Accounts

326

Number of Accounts for Regular Shares

43,177

All other shares

615

Non Member Deposits

Money Market Shares

3,024

Net Income (unless the amount is already included in Undivided Earnings)

753,622

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,280,991

Total Liabilities

336,132,180

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

BlueOx Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About BlueOx Credit Union

How many branches does BlueOx Credit Union operate?

BlueOx Credit Union 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 BlueOx Credit Union?

Yes, to access services at BlueOx Credit Union, 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, BlueOx Credit Union 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, BlueOx Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BlueOx Credit Union offer online and mobile banking?

Most modern institutions like BlueOx Credit Union 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: https://blueoxcu.org.