Kellogg Community Credit Union

What Kellogg Community Credit Union does

Kellogg Community Credit Union (KCCU) is a member-owned, not-for-profit financial cooperative founded in 1941 and headquartered in Battle Creek, Michigan. It operates as a community-focused credit union serving individuals, families, youth, and small businesses across Greater Southwest Michigan through 13 branch locations in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers. As of December 2025, KCCU managed $951 million in total assets and served more than 55,000 members, with membership eligibility based on residency, employment, worship, or education within the field of membership. The institution is federally insured by the NCUA, holds NMLS# 585521, and is recognized in Newsweek's America's Best Credit Unions Top 500 for three consecutive years.

KCCU delivers a full-service banking product suite across deposit products (Free Personal Checking, eChecking at 5.25% APY, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, money market, certificates, IRAs, HSAs), lending products (auto loans, boat/RV loans, mortgages including MSHDA programs, HELOCs at 4.85% APR, signature loans, Visa credit cards), and business banking (business checking, business lending, and Thrive Cannabis Banking). Distribution combines owned branches with the CO-OP Financial Services shared branching network (5,550+ branches, 37,000+ surcharge-free ATMs nationwide) and digital channels including mobile app, online banking, mobile deposit, mobile wallet, text banking, and Live Teller video banking. The technology stack is built on standard third-party integrations — Kasasa for rewards, SavvyMoney for credit monitoring, Zogo for financial literacy, GreenPath for financial wellness, TruStage for insurance, and LPL Financial for investment services — rather than proprietary platforms.

KCCU's revenue model is characteristic of a credit union: net interest income from lending (auto, mortgage, consumer, commercial) is the primary engine, supplemented by interchange and interest from Visa credit cards, account and service fees, and commission/fee income from LPL Financial investment services and TruStage insurance products. The institution is member-owned and returns earnings through competitive deposit rates (e.g., 5.25% APY on eChecking) and lower loan rates (auto loans from 4.74% APR). Its go-to-market is direct-to-consumer and community-driven, supported by a multi-channel marketing approach spanning social media, content marketing, community events, Chamber of Commerce engagement, and referral programs like the OMG! Raffle campaigns, with a 96% reported service satisfaction rating.

Name

Kellogg Community Credit Union

Legal name

Kellogg Community Credit Union

Website

https://kccu4u.org

Company type

Private

Founded year

1941

Operating status

Operating

Headcount range

101–250 employees

Short description

Kellogg Community Credit Union is a member-owned, not-for-profit financial cooperative founded in 1941, serving 55,000+ members across Greater Southwest Michigan with $951 million in assets, 13 branches, and full-service personal, business, and cannabis banking products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Business banking
• Financial cooperative

Headquarters

HQ city

Battle Creek

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Loan Interest Income: Interest earned on auto loans, mortgages, home equity loans, signature loans, boat/RV loans, and business lending products
2. Credit Card Fees and Interest: Revenue from Visa credit cards including interest charges and interchange fees
3. Account Fees and Service Charges: Various fee income including overdraft fees, ATM fees (when outside network), wire transfer fees, and other account service charges
4. Investment Services: Commission and fee income from investment and insurance products through LPL Financial partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

Kellogg Community Credit Union (KCCU) is a member-owned, not-for-profit financial cooperative founded in 1941 in Battle Creek, Michigan. It provides personal and business banking services including deposit accounts (checking, savings, money market, certificates), consumer and commercial lending (auto, mortgage, home equity, signature loans, Visa credit cards), investment services through LPL Financial, insurance products via TruStage, and cannabis industry banking under the Thrive program, delivered across 13 Michigan branches and a comprehensive digital platform.

Product overview

Kellogg Community Credit Union is a full-service financial institution offering a comprehensive suite of banking products organized into personal banking, borrowing, investment, insurance, business services, and digital tools. The core banking platform centers on multiple checking account options (Free Personal Checking, eChecking with 5.25% APY, and Kasasa reward accounts) alongside savings products including traditional savings, money market accounts, and certificates. The borrowing portfolio includes auto loans, mortgages (conventional and MSHDA programs), home equity products (loans and HELOCs at 4.85% APR), signature loans, and Visa credit cards. Insurance offerings provided through TruStage include GAP, debt protection, and mechanical repair coverage. Business services encompass dedicated checking, lending, and cannabis banking through the Thrive program. Digital delivery channels include online banking, mobile app with biometric login, mobile deposit, mobile wallet, text banking, and Live Teller video services. The institution also provides investment services through LPL Financial and community programs including scholarships and teacher grants. Membership spans Michigan with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers, and serves over 55,000 members with $951 million in assets.

Differentiator

Problem solved

Functional benefit

Brands

• KCCU: Shortened brand name for Kellogg Community Credit Union used across marketing materials, social media, and customer communications.

Products and services

• Personal Checking Accounts
• Savings Accounts Traditional savings accounts with competitive dividend rates, including Kasasa Saver linked to reward checking accounts that automatically transfers cash rewards, for individual members.
• Money Market Accounts Tiered-rate money market accounts with competitive yields and limited check-writing access for members seeking higher returns on liquid funds.
• Certificates of Deposit Term share certificates with guaranteed fixed rates offered in multiple maturity terms, including dedicated youth certificates for ages 0-17.
• Individual Retirement Accounts (IRA) Tax-advantaged retirement savings accounts for individual members planning for long-term financial needs.
• Health Savings Accounts (HSA) Tax-advantaged savings accounts paired with high-deductible health plans for individual members to cover qualified medical expenses.
• Youth Accounts Age-tiered banking products for children and teenagers, including the Dollar Dog Kids Club for young children and Elements Teen Accounts for adolescents, with educational financial tools.
• Auto Loans Vehicle financing for new and used automobiles with competitive rates and flexible terms for individual members.
• Boat & RV Loans Recreational vehicle financing for boats, RVs, and other leisure vehicles for individual members.
• Mortgage Loans Home purchase and refinance loans including conventional, FHA, and MSHDA first-time homebuyer programs for individual members.
• Home Equity Loans and HELOC Fixed-rate loans and revolving credit lines secured by home equity for major purchases, debt consolidation, or home improvements, with HELOC rates starting at 4.85% APR.
• Signature Loans Unsecured personal loans based on creditworthiness, without collateral requirements, with rates starting at 10.99% APR for individual members.
• Visa Credit Cards Visa credit card products with cash back reward options and competitive interest rates for individual members.
• Business Checking Commercial checking accounts designed for small business operations with tiered features and fee structures for local Michigan businesses.
• Business Lending Commercial loans and credit facilities for business expansion, equipment, working capital, and commercial real estate financing for local businesses.
• Thrive Cannabis Banking Specialized compliance-focused banking services, including accounts and lending, for legal cannabis-related businesses in Michigan.
• KCCU Investment Services Investment advisory, retirement planning, brokerage, and wealth management services offered to members through licensed advisors at LPL Financial.
• TruStage Insurance Products Insurance products underwritten by TruStage including life, auto, home, GAP, debt protection, and mechanical repair coverage for individual members.
• Online Banking & Bill Pay Secure 24/7 online banking platform for account management, fund transfers, and bill payment for individual and business members.
• Mobile Banking App iOS and Android mobile banking application with biometric login, mobile check deposit, card controls, and full account access for members.
• Live Teller Services Video-based remote teller service enabling members to conduct face-to-face banking transactions and get assistance during extended hours.
• Shared Branching Network Access Cross-credit-union shared branching and surcharge-free ATM access through the CO-OP and Xtend networks, providing nationwide in-person banking access to members.
• MSHDA Rate Relief Mortgage Program Michigan State Housing Development Authority first-time homebuyer program offering down payment assistance up to $30,000 and below-market mortgage rates for income-qualified Michigan residents.

Quantifiable outcome

• 96% service satisfaction rating among members
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• MSHDA (Michigan State Housing Development Authority)coreStrategic or Co-development PartnerKCCU is an approved MSHDA lender, offering the MSHDA Rate Relief Mortgage Program to eligible first-time homebuyers in Michigan. This program provides access to down payment assistance and competitive mortgage rates for qualifying buyers with income at or below 80% of Area Median Income.
• CO-OP Financial ServicescoreTechnology or IntegrationPartnership providing access to 37,000+ surcharge-free ATMs and 5,550+ shared branch locations nationwide. Enables KCCU members to access their accounts nationwide without surcharge fees at participating credit unions and retail locations.
• LPL FinancialcoreStrategic or Co-development PartnerKCCU Investment Services powered by LPL Financial, providing investment advisory services, financial planning, and insurance products to KCCU members through licensed advisors.
• TruStagecoreStrategic or Co-development PartnerInsurance products offered through TruStage, including life insurance, accidental death and dismemberment insurance, and other protection products available to KCCU members.
• GreenPath Financial WellnessminorStrategic or Co-development PartnerFinancial counseling and education services partnership providing members access to GreenPath's financial wellness tools, counseling, and education programs.
• Harland ClarkeminorChannel Partner/ Reseller/ DistributorCheck vendor for KCCU, providing personal and business checks to members through their established online ordering platform at ordermychecks.com.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lake Michigan Credit Union: LMCU is the largest credit union in Michigan with over $14B in assets, headquartered in Grand Rapids. It serves the same general Michigan geography as KCCU and offers a comparable suite of consumer and business banking products, but at materially greater scale.
• Michigan State University Federal Credit Union: MSUFCU is a large Michigan-headquartered credit union with multi-billion-dollar assets serving state-wide membership, overlapping significantly with KCCU's consumer and small business banking offerings but at much greater scale.
• Digital Federal Credit Union (DCU): DCU is a large federally chartered credit union offering nationwide digital-first consumer banking, mortgages, and auto loans, comparable to KCCU's product set but with materially greater scale and a primarily digital delivery model.

Direct peers

• Genisys Credit Union: Genisys is a Michigan-based community credit union serving similar Greater Michigan / Metro Detroit markets with a comparable full-service retail and small business banking offering, making it one of the closest direct competitors in footprint and product set.
• Adventure Credit Union: Adventure Credit Union is a Michigan-based community credit union of similar size and product scope, serving overlapping Southwest/Mid-Michigan geographies with consumer and business banking products comparable to KCCU's.
• Connexus Credit Union: Connexus is a national community credit union offering full-service consumer, mortgage, and business banking with a similar member-owned cooperative structure, overlapping with KCCU on consumer deposits, lending, and digital channels.
• Bethpage Federal Credit Union: Bethpage is a federally chartered community credit union with comparable retail, mortgage, and business banking products and a community/membership-driven value proposition similar to KCCU, though serving a different East Coast geography.
• Safe Credit Union: Safe Credit Union is a mid-sized California-based community credit union with comparable consumer, mortgage, and business banking offerings and a member-owned cooperative structure similar to KCCU.
• SchoolsFirst Federal Credit Union: SchoolsFirst FCU is a large community-chartered credit union with a similar full-service retail, mortgage, and small business banking suite, comparable to KCCU's offerings but with a defined-membership focus.

Regional players

• United Federal Credit Union: United Federal Credit Union operates across Michigan, Indiana, Nevada, North Carolina, and Georgia with community-focused retail and small business banking comparable to KCCU's offering, though its geographic focus is broader and partially non-overlapping.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCoJrjhP5zIc8jhn2CZj9yBQ
• Facebookfacebook.com/KelloggCCU
• LinkedInlinkedin.com/company/kellogg-community-credit-union
• Instagraminstagram.com/kelloggccu

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kellogg Community Credit Union