Credit union · NCUA insured
Grand Trunk Credit Union
A $39.5M credit union headquartered in Battle Creek, MI, with 2,492 members and 1 branch in Michigan. Best rates: CDs 2.17% and savings 0.75% APY.
Grand Trunk Credit Union Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#3 of 17 in Battle Creek, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Grand Trunk Credit Union
Founded in 1945 to provide financial services to Grand Trunk Western Railroad employees and their families, Grand Trunk (Battle Creek) Employees Federal Credit Union is headquartered in Battle Creek, Michigan.
The credit union established its sole physical office in 1959 and expanded its membership to Canadian National railroaders in 1971.
It operates as a member-owned institution dedicated to serving generations of railroaders and their families.
- Headquarters
- 1275 Raymond Rd N, Battle Creek, MI 49014
- NCUA charter
- 5170
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of Grand Trunk Western, Canadian National Railway, and the U.S. Sales Organization who work in or are supervised from Chicago, Illinois.
- Membership is open to employees of this credit union.
- Membership is open to employees of the Grand Trunk Western Railroad Company who work in or have headquarters in the Battle Creek, Michigan terminal, or at outlying stations on the railroad's line from Schoolcraft to Lansing, Michigan, inclusive, or in the Detroit-Grand Rapids Division west of Owosso, Michigan.
- Membership is open to members of this credit union transferred by qualifying employers to other duty locations.
Family and household
- Membership is open to immediate family members and household members of eligible persons.
Other ways
- Membership is open to corporate or other legal entities in this charter.
3 more ways to join
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants from qualifying employment.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Branches
1 branch in Michigan
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Michigan
1 branch
- Main OfficeMain office1275 Raymond Rd N, Battle Creek, MI 49014Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.72% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio20.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.72%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Grand Trunk Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.