United Educational Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

PO Box 1160, Battle Creek, MI 49016

Website

(269) 965-7281

Data Source: NCUA, December 31, 2016


Blueox Credit Union was founded in 1936. Headquartered in Battle Creek, Michigan, Blueox Credit Union is a state chartered and federally insured credit union, being chartered in Michigan and insured through the National Credit Union Share Insurance Fund (NCUSIF). Blueox Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Blueox Credit Union services 16,316 members through its 5 offices and branches and 40 full-time and 2 part-time employees. It has $142,594,120 of total assets and $13,702,679 of net worth. Based on its asset size and net worth ratio, Blueox Credit Union is classified as a Well Capitalized medium large credit union.

Blueox Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Blueox Credit Union also provides an array of services to its members and local communities. Blueox Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Blueox Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Michigan and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Michigan
Median of USA
Checking
0.2000
0.0000
0.0000
Savings
0.1000
0.1000
0.1200
Money Market
0.4000
0.2500
0.2500
Certificate Deplit
0.5000
0.6000
0.5800
IRA
0.5000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Michigan
National Median Rates
Credit Cards
10.4900
9.9600
9.9900
Unsecured Line of Credits
11.5000
11.0000
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
n/a
6.2300
6.0200
New Car Loans
3.7500
2.9900
3.3300
Used Car Loans
3.7500
3.9900
4.5000
1st Mortgage Real Estates
4.0000
4.2500
4.2500
Other Real Estates
3.7500
4.5000
4.7000

Blueox Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Blueox Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
No
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
Yes
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Blueox Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
Yes
Financial Literacy Workshops
Yes
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Albion Branch
200 W Cass St
Albion, MI 49224
Phone:517-629-3100

Battle Creek Main
115 Riverside Dr
Battle Creek, MI 49015
Phone:269-965-7281

Coldwater Branch
415 N Willowbrook Rd
Coldwater, MI 49036
Phone:517-279-8059

Kalamazoo Hispanic American Council
930 Lake St
Kalamazoo, MI 49001
Phone:

Sterling Heights
8045 Constitution Blvd
Sterling Heights, MI 48313
Phone:586-268-4790

(269) 965-2420

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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