At a glance
From its website, read 2 Nov 2026BlueOx Credit Union is a credit union based in Battle Creek, Michigan. Its website describes auto loans, commercial real estate loans, credit-builder loans and 3 other loan types. Consumer loan APRs stated on its site range from 2.99% to 18%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 648-8035 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.blueoxcu.org |
| Office (official list) | 115 Riverside Drive, Battle Creek, MI 49015 |
What their website says about applying
Open your loan online from start to finish
sourceConnect with our business lending team to explore your options and find the right solution for your goals.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 2.99%–18% APR | Loans subject to approval. APRs range from 2.99% to 18% depending on your creditworthiness, loan-to-value, and other factors. | source |
| Loans (general) | Rate: 5.75%–18% APR | Loans subject to approval. APRs range from 5.75% to 18% depending on your creditworthiness, loan-to-value, and other factors. | source |
| Auto / vehicle loans | Rate: from 4.74% APR | Annual Percentage Rate (APR) as low as 4.74% applies to new or used autos. | source |
| Personal / consumer loans | Term: see their wording | Terms up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
Your good credit and a signature are all you need.
source - Collateral required
By using your home’s equity as collateral, you can make your home work for you!
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Jan 2022 |
| RSSD ID | 764599 |
| Address | 115 Riverside Drive, Battle Creek, MI 49015 Directions (Google Maps) |
| Website | www.blueoxcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or membership eligibility statement appears on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | new and used auto loans | source |
| Commercial real estate loans | up to $2M | Loans available up to $2,000,000 | source |
| Credit-builder loans | — | Credit Builder Step 1 Loan | source |
| Equipment loans | — | Our Asset Loans can help you finance eligible business vehicles, equipment, and other titled assets. | source |
| Personal / consumer loans | up to $50,000 | The Maximum Personal Loan amount is $50,000. | source |
| Small-business loans | — | Our Business Signature Loans provide unsecured financing for a variety of business purposes | source |
Loan sizes
48-month financing requires a minimum loan amount of $5,000. 60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $15,000. 84-month financing requires a minimum loan amount of $20,000.
sourceThe Maximum Personal Loan amount is $50,000.
sourceLoans available up to $2,000,000
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as IGNITE (charter 62072). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $379.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 29,382 (as of 30 Jun 2026) |
| Offices | 10 (as of 30 Jun 2026) |
Offices by state and county (10)
Michigan (10 offices)
- Allegan County (2): 755 Grand St, Allegan 49010; 432 W Main St, Fennville 49408
- Branch County (1): 415 N Willowbrook Rd, Coldwater 49036
- Calhoun County (2): 115 Riverside Dr, Battle Creek 49015 (main office); 200 W Cass St, Albion 49224
- Jackson County (1): 408 E Ganson St, Jackson 49201
- Kalamazoo County (1): 3070 W Centre Ave, Portage 49024
- Kent County (1): 211 36th St SW, Wyoming 49548
- Macomb County (1): 39900 Van Dyke Ave, Sterling Heights 48313
- Van Buren County (1): 202 S State St, Gobles 49055
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by BlueOx Credit Union (NCUA charter 62072, filed as “IGNITE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $293.3 million, 17,778 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.1% from $290.2 million on 30 Jun 2025 |
| Members | 29,382 (as of 30 Jun 2026); 30,615 (as of 30 Jun 2025) |
| Loans per member | $9,983 (total loans divided by members, 30 Jun 2026) |
| Total assets | $379.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $36 million | 12.3% |
| Used vehicle loans | $76.7 million | 26.1% |
| First-lien home mortgages (1-4 family) | $87.2 million | 29.7% |
| Other real estate loans (junior liens, other) | $30.3 million | 10.3% |
| Commercial (business) loans | $37.2 million | 12.7% |
| Credit cards | $9.4 million | 3.2% |
| Other unsecured loans | $8.1 million | 2.8% |
| Leases and other secured loans | $8.5 million | 2.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $379.9 million | Larger than 44% of the 16 other certified credit unions in Michigan (median $390 million). |
| Loans as a share of assets | 77% | Median of the same 16 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $290.2 million → $293.3 million (+1%) | Median change of 16 other certified credit unions in Michigan: +3%. Rank by loans held among these 17: 7 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 44% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 7 → 9 of 17 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Battle Creek and Michigan
- IGNITE CREDIT UNIONCredit union · Battle Creek, MIOfficial list only
- OMNI Community Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- American 1 Credit UnionCredit union · Jackson, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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