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In Review: BlueOx Credit Union serving the state of Michigan

Updated: Jun 1, 2021

“Selected as an Excellent Choice Credit Union, BlueOx credit union has a long history of supporting members in the state of Michigan since 1936."

By: Allan R Kirby

Top Credit Union and Selected as an Excellent Choice Credit Union, BlueOx credit union has a long history of supporting members in the state of Michigan since 1936.

We review Credit Unions: feels compelled to find the best credit unions and community banks to write a small review. These reviews are to help you learn more about community banks, possibly one that's in your area that you might be interested in. In this review we are choosing the following local Credit Union:


Location: Battle Creek.

Headquartered: 115 Riverside Drive,

Battle Creek, MI 49015.

Contact Info:

Monday - Friday 9 a.m. to 5 p.m: Toll-Free: (800) 648-8035.

24-Hour Audio Phone Banking: (269) 965-3117/(800) 610-7830.

Branches: 6

Year Established: 1936


BlueOx Credit Union (BlueOxCU) is a six branch full-service bank that serves the State of Michigan. Our decision to name BlueOX, Excellent Choice Credit Union, was based on our own research on reviews, services offered as well as their commitment to their membership and the communities they serve. What we found was a great community credit union that provides many great services such as the eXclusive Checking accounting which provides Free checking that also pays high dividends on balances up to $7,500 and offers ScoreCard Rewards on Debit Card purchases.

Great rates are available: Carl loans as low as 3.49%, Visa Platinum Rewards Card 8.74% and Home Equity as low as 4.00%.

We however found many other services that we liked, specifically the My BlueOx rewards program which provides service rewards when members use BlueOx CU as their primary financial institution. For example at the gold rewards level you get the following:

Gold rewards

Members with up to $15,000 in loan balances or deposit balances of $25,000 or more and an active Checking Account (10 or more Debit Card purchases per month).

Overdraft Privilege amount: $1,000.

Coin machine fee waived.

Overdraft Privilege amount: $1,250.

Free Cashier's Checks and Money Orders.

Free Instant Issue Debit Card Replacements.

Lower consumer loan rates.

Higher CD rates.

One Overdraft Privilege fee waived per year.

One loan late payment fee waived per year.

Two Gift Card fees are waived per year.

One-stop payment fee waived per year.

*See BlueOx Credit Union for complete details on member rewards

BlueOx Credit Union currently has 216 million in assets, 6 branches, and over 23,000 members. ibanknet. As per their website: On April 16, 1936 – Inspired by a small handful of educators from the Battle Creek School System, the Battle Creek Teachers Association Credit Union was born. Our original field of membership was limited to teachers, principals, supervisors, and superintendents of the Battle Creek School System. At the end of the first year of operation, there were 79 members, 24 borrowers, and assets of $1,861.59.

"BlueOx Credit Union is located in Battle Creek, the birthplace of the cereal industry."

We will now provide you some additional highlights of BlueOx CU credit unions' products and services.

Visa Platinum rewards credit card:

BlueOx Credit Union offers the Visa Platinum Credit Card, this is a great low-cost credit card that allows you to get rewards for every purchase; a low, competitive rate and no annual fees. The following details all the great benefits you get with this credit card.

  • No annual fee

  • Same low, competitive, variable rate on both purchases and cash advances.

  • No cash advance fees.

  • ScoreCard Rewards.

  • 0% APR on balance transfers for six months.

  • 25-day grace period (for purchases only)

  • Low monthly payments – just 1.5% of the current balance.

  • Card controls security.

  • State-of-the-art microchip technology.

  • 24/7 card access – analyze spending, review statements and pay bills online.

  • Mobile Wallet – Apple, Google, and Samsung Pay.

  • Zero liability protection.

  • Payment protection plans.

Youth accounts at BlueOx Credit Union:

We always like to highlight any credit union that provides opportunities for younger generations to learn about banking and BlueOx does not disappoint. BlueOx has two

free youth banking programs that grow and mature with their youngest members. Working together with parents and grandparents, the credit union can help young people to become successful money managers, while also having fun!

Blue's cash corral (For kids Ages 12 and Younger)

The Blue’s Cash Corral Banking is a great way to help start younger kids learn about the importance of saving money and establishing good financial habits that will last a lifetime. The following provides the benefits kids will receive with the account:

  • Savings Accounts with Free Online, Mobile, and Text Banking.

  • Free Mobile App and eAlerts.

  • Certificates with a special $200 minimum deposit.

  • Free access to online financial education and games.

  • Reward card and savings passbook.

  • Coin saver and prize from the toy chest.


When your kids make any deposit of $5 or more they will receive a reward card stamp (child must be present). Earn five stamps, turn in the completed card, and choose a prize from the BlueOx CU toy chest. Each completed reward card is an entry into an annual prize drawing.

Money mavericks (For teens ages 13-17)

The Money Mavericks Banking offers everything young adults need to get off to a great financial start. In addition to a Savings Account, qualified teens have the opportunity to open their first Checking Account with a Debit Card, and even establish credit with their own youth loan. The following provides the benefits teens will receive with the account:


When teens make any $20 deposit they will receive a reward card stamp (teen must be present). Earn five stamps, turn in the completed card, and receive a free gift. Each completed reward card is an entry into an annual prize drawing.

Excellent Choice Credit Union:

We were pleased with BlueOx's commitment to their members especially their younger members as well as their great service offerings. With a long history of providing financial services to the residents living in Battle Creek and the State of Michigan; it's not hard to see why this is such a great Credit Union. This is why believes BlueOx CU is well deserved to receive the designation of Excellent choice, Credit Union [2]. So if you're looking for a great community-based credit union and you live or plan to live in the areas that BlueOx CU operates this could be a great financial institution for you.

Finally, we found that the BlueOx CU is a federally insured credit union through NCUA [1].


Who is Eligible:

As per their website: BlueOx Credit Union is a member-owned, non-profit financial cooperative serving anyone who lives, works, worships, or attends school in the state of Michigan. Membership is also available to immediate family members, regardless of their residence. Once you’ve joined BlueOx Credit Union, you may retain your membership as long as you like.

Simply open a Savings Account with a minimum of $5.00 and begin taking advantage of our full range of affordable financial services today.

Apply Now to become a member.


The following provides additional information on BlueOx Credit Union services, branches as well as hours of operation.

Services Offered:

Full-Service Credit Union: Yes


BlueOx Credit Union Routing Number: 272476776

Personal Banking:

Checking Accounts

Savings Accounts

Money Market Accounts


Individual Retirement Accounts

Youth Accounts

Credit Union Loans:


Home Equity Loans

Auto Loans

RV and Boat Loans

Personal Loans

Other Loans

BlueOx CU Credit Cards: Visa

Credit Union Online

Online and Mobile Banking: Yes

BlueOx Credit Union Branch Locations:

Battle Creek Branch Location 115 Riverside Drive Battle Creek, MI 49015

Phone: (800) 648-8035 Fax: (269) 965-2420 Albion Branch Location 200 W. Cass Street Albion, MI 49224

Phone: (800) 648-8035 Fax: (517) 629-5222 Portage Branch Location 3070 W. Centre Avenue Portage, MI 49024

Phone: (800) 648-8035 Fax: (269) 365-0230 Coldwater Branch Location 415 N. Willowbrook Road Coldwater, MI 49036

Phone: (800) 648-8035 Fax: (517) 279-8480 Jackson Branch Location 408 E. Ganson Street Jackson, MI 49201

Phone: (800) 648-8035 Fax: (517) 787-9730

Sterling Heights Branch Location

8045 Constitution Boulevard Sterling Heights, MI 48313

Phone: (800) 648-8035 Fax: (586) 268-3280


About Community Credit Unions:

Are Community Credit Unions Better vs Banks?

Community Credit Unions are local banks that provide financial services to smaller communities and tend to be better than major banks for several reasons which include:

  1. Better rates on savings accounts and certificates of deposits.

  2. Competitive mortgage rates.

  3. Fees tend to be lower at community banks.

  4. Local deposits are used to make loans to local businesses.

  5. Community Credit Unions tend to have a better understanding of the communities they serve.

  6. Community Credit Unions tend to have a more personalized customer service experience and have higher customer satisfaction rates.

  7. Community Credit Unions provide local jobs and support local charities.



1. The National Credit Union Administration (NCUA) is one of two agencies that provide deposit insurance to depositors in U.S. depository institutions. NCUA's standard maximum share insurance amount at $250,000.00.

2. Periodically will name a credit union as a top choice (Top credit union) based on several criteria such as customer and employee reviews, complaints, satisfaction, growth, locations, brand, and social responsibility. We only select the best credit unions, so they must meet minimum standards of excellences (Excellent Choice) to be reviewed by

In Review is a segment of the blog written by Allan R Kirby, who writes and produces Personal Finance articles and videos.


Disclosure: nor the author received any compensation from the mentioned credit union for this article. The article is our opinion only and is written to help readers learn more about local credit unions.


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