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Advertiser Disclosure
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GRAND TRUNK BATTLE CREEK EMP Rates & Review September 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: September 3, 2026
GRAND TRUNK BATTLE CREEK EMP's 4 YEAR CD rates are at 2.17%, 3 YEAR CD rates are at 2.02%, 2 YEAR CD rates are at 1.71%, 1 YEAR CD rates are at 1.61%, 6 month 6MO MM-PAY MONTHLY rates are at 1.11%. GRAND TRUNK BATTLE CREEK EMP's savings rates are at 0.10%. GRAND TRUNK BATTLE CREEK EMP's money market rates are at 0.10%. GRAND TRUNK BATTLE CREEK EMP's Personal Loan Rates are at 10.99%. 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 1.53%. Rates last updated and verified on 09/03/2026. 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 
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 Credit Card Rates
GRAND TRUNK BATTLE CREEK EMP Personal Loan Rates
Financial Health HistoryGRAND TRUNK BATTLE CREEK EMP’s Texas Ratio rose from 0.63% in Q2 2023 to 1.53% in Q1 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
11
Part-Time Employees
1
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
1.53%
Return on Assets (ROA)
0.1376%
Return on Equity (ROE)
0.6764%
Non-Performing Loans Ratio (NPL)
0.87%
Total Assets
39,467,383
Total Amount of Shares and Deposits
31,188,870
Total Shares and Deposits < 1 Year
30,822,681
Total Shares and Deposits 1 3 Years
366,189
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,188,870
Total Interest Expense (Sum of items 6 8)
37,887
Share Certificates
53
Number of Accounts for Share Drafts
1,733
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
3,519
Money Market Shares
403
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)
1,835,015
Total Liabilities
31,436,245
Source: NCUA — Last Updated 03/31/2026
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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