promotions -
0% APR* on credit card balance transfers
BlueOx Credit Union offers Visa® credit cards at low interest rates, with no annual fees, and an introductory rate of 0% APR* on balance transfers for the first 12 months!
Here's the deal: *APR = Annual Percentage Rate. The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. No balance transfer fees apply. After the 12-month introductory period, the APR will revert to the standard fixed APR for balance transfers, which ranges from 9.99% APR to as high as 15.99%, based on creditworthiness. Rates are fixed and based on the Prime Rate. Subject to credit approval. Terms and conditions apply. BlueOx Credit Union is an Equal Housing Lender. Deposits are federally insured by NCUA.
turn your savings into lasting memories with our CD specials
For a limited time, earn 4.00% APY* on a 9-Month CD and 4.70% APY* on a 15-Month CD at BlueOx Credit Union.
Plus, enjoy one rate bump during your CD term. If we increase the rate on your CD Special, you’ll have the opportunity to bump your rate, too.
Here's the deal: *APY = Annual Percentage Yield. APYs are accurate as of October 1, 2026. A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by NCUA.
looking for low rates? you've arrived at your destination!
For a limited time, we're offering as low as 4.74% APR* for up to 60 months on a new or used Auto Loan.
Here's the deal: *Annual Percentage Rate (APR) as low as 4.74% applies to new or used autos. The APR stated is accurate as of 5/1/26. All loans are subject to credit approval, and rates vary based on creditworthiness, loan amount, auto model year, and term length. Example Loan Repayment Scenario: A $10,000 auto loan at 4.74% APR for 60 months results in $187.52 monthly payments. Promotional rates are available for a limited time and are subject to credit approval and eligibility. The maximum loan term is 60 months. Promotional offer may end at any time. Offer subject to credit approval. BlueOx Credit Union is an Equal Housing Lender. Insured by the NCUA.
HELOC - 4.99% APR* 12-month introductory rate!
Lean into your home's equity with a Home Equity Line of Credit! Whether for home renovations, debt consolidation, or planning a dream vacation, HELOCs are a great way to pay for life's projects.
For a limited time, we're offering a 4.99% APR* 12-month introductory rate when you open a HELOC at BlueOx Credit Union! Don't miss out on this amazing opportunity to tap into the potential of your home's equity. Stop by any of our branches or call a Member Service Representative at 800.648.8035 to learn more!
Here's the deal: *APR = Annual Percentage Rate. The promotional period begins January 1, 2026. The introductory rate applies to new Home Equity Lines of Credit (HELOC) only. The rate offered will depend on the applicant's creditworthiness. All rates are subject to applicable loan term limits and certain restrictions may apply. The rates are subject to change without prior notice. The initial rate for the HELOC low introductory rate promotion is a fixed rate not based on the index and margin used for subsequent rate adjustments. The Introductory Annual Percentage Rate (APR) of 4.99% APR fixed is for home equity line of credit accounts only and applies to balances on the first twelve monthly statement cycles after the loan open date and which changes to a variable APR as low as 4.99% at the end of the introductory period. To receive this rate, the application must be submitted between January 1, 2026, and December 31, 2026, and the loan must close within 30 days of the application date. After the introductory period, the APR can vary and is based on Prime Rate plus a margin of +0.50% to +2.50% based on credit rating. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal "Money Rates" table on the 20th of the prior month. Minimum APR 3.50%, maximum APR 18.00%. The maximum loan term available is a 5-year draw with a 10-year principal and interest repayment period. Max combined loan-to-value for HELOC is up to 80% for applicants with credit scores of 590+. HELOC qualifies for introductory rate with a minimum credit line of $20,000 and a loan amount of $5,000 taken at closing. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay amortized principal and interest payments on the outstanding balance monthly. After the draw period, you may not withdraw any more funds from the line, you will continue to pay the amortized principal and interest monthly. Offer not applicable on refinance of any division of Ignite Credit Union HELOCs. There are no loan processing or early closure fees and no prepayment penalty. The borrower is responsible for the cost of the appraisal, if required. Allegan Credit Union/Rivertown Credit Union/BlueOx Credit Union does not offer escrow services. The minimum payment required is interest only or $100, whichever is greater. Rates, terms, and conditions are subject to change without notice.
take up to 2% APR* off anything that moves!
Paying high interest on your current auto, boat, or RV loan? Refinance with BlueOx Credit Union today and save up to 2% APR*
Stop by any of our branches or give us a call at 800.648.8035 to learn more!
Here's the deal: *APR = Annual Percentage Rate. This offer applies only to auto, boat, and recreational vehicle (RV) loans. This offer excludes existing loans from Allegan Credit Union, Rivertown Credit Union, or BlueOx Credit Union, divisions of Ignite Credit Union, YouTurn loans, credit cards, or mortgages. A minimum interest rate of 6.49% APR applies, with other rates based on creditworthiness. All loans are subject to credit approval. BlueOx Credit Union, a division of Ignite Credit Union, is an Equal Opportunity Lender. Federally insured by the NCUA. Give us a call at 800.648.8035 for more details.
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