Credit union · NCUA insured
Grand Trunk Credit Union Savings Rates
Grand Trunk Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Share. Rates checked October 16, 2026.
How Grand Trunk Credit Union’s savings rates compare
Compared with banks and credit unions near Battle Creek, MI, where Grand Trunk Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Grand Trunk Credit Union
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Share
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Grand Trunk Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Grand Trunk Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Share
Up to 0.75%APY
Requires a minimum balance of $2,500.00 to open. This balance must be kept to receive the dividend rate; if the balance falls below $2,500.00, dividends are calculated and credited at regular share dividend rate. Dividends compounded and credited monthly. Limited to 6 withdrawals/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns regular share dividend rate if balance falls below $2,500.00. | 0.10% | $10 | Earns regular share dividend rate if balance falls below $2,500.00. |
| $2,500 and up | 0.75% | $75 |
Sources (2)
All captured Sep 18, 2026
Regular Share
0.10%APY
A regular share account is required for membership and will allow you to take advantage of other credit union products and services. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum balance of $100.00 to earn dividends. Minimum deposit of $5.00 to open.$100 and up | 0.10% | $10 | Requires a minimum balance of $100.00 to earn dividends. Minimum deposit of $5.00 to open. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Roth IRA
0.75%APY
To qualify, members must have earned income. No age restrictions. Earnings grow tax-free. Contributions not tax deductible. Early withdrawal penalties apply. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA deposit of $250.00 or more is required to start an Individual Retirement Account. The minimum balance must be maintained to earn dividends.Any balance | 0.75% | $75 | A deposit of $250.00 or more is required to start an Individual Retirement Account. The minimum balance must be maintained to earn dividends. |
Traditional IRA
0.75%APY
To qualify, members must have earned income and be younger than 70 1/2 at the end of the year. Earnings are tax-deferred. Distributions start by April following the year holder turns 70 1/2. Early withdrawal penalties apply. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA deposit of $250.00 or more is required to start an Individual Retirement Account. The minimum balance must be maintained to earn dividends.Any balance | 0.75% | $75 | A deposit of $250.00 or more is required to start an Individual Retirement Account. The minimum balance must be maintained to earn dividends. |
Christmas Club
0.10%APY
Make deposits anytime throughout the year for holiday expenses. No penalty on withdrawals. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum balance of $100.00 to earn dividends.$100 and up | 0.10% | $10 | Requires a minimum balance of $100.00 to earn dividends. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.10%APY
Allows putting aside money for vacations. Unlimited deposits anytime throughout the year. No penalty on withdrawals. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum balance of $100.00 to earn dividends.$100 and up | 0.10% | $10 | Requires a minimum balance of $100.00 to earn dividends. |
Sources (2)
All captured Sep 18, 2026
Who can join Grand Trunk Credit Union
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.
Membership information collected October 5, 2026.