Credit union · NCUA insured
KCCU
Top CarrotA $1B credit union headquartered in Battle Creek, MI, with 50,750 members and 14 branches in Michigan. Best rates: CDs 4.55% and savings 2.00% APY.
KCCU Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#1 of 17 in Battle Creek, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KCCU
Headquartered in Battle Creek, Michigan, Kellogg Community Credit Union is a member-owned financial cooperative founded in 1941.
Originally operating out of the Battle Creek Kellogg Company plant, the credit union serves members across Michigan with branches throughout the state.
- Headquarters
- 41 2nd St, Battle Creek, MI 49014-6286
- NCUA charter
- 68678
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in Michigan, as well as businesses and other legal entities located in Michigan, are eligible to join.
Family and household
- Relatives of KCCU members are eligible for credit union membership.
Cost to join
- KCCU membership requires a minimum savings account deposit of $5.00.
Branches
14 branches in Michigan
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Michigan
14 branches
Battle Creek area · 7
- 2nd StreetMain office41 2nd St, Battle Creek, MI 49014Directions
- B Drive6427 B Dr N, Battle Creek, MI 49014Directions
- Downtown Branch51 Michigan Ave W, Battle Creek, MI 49017Directions
- NorthPointe Woods700 North Ave, Battle Creek, MI 49017Directions
- Pennfield1425 Capital Ave NE, Battle Creek, MI 49017Directions
- Marshall107 N Park Ave, Marshall, MI 49068Directions
- Dickman2925 W Dickman Rd, Springfield, MI 49037Directions
Kalamazoo area · 5
- Drake Road1650 S Drake Rd, Kalamazoo, MI 49006Directions
- Gull Rd Branch5067 Gull Rd, Kalamazoo, MI 49048Directions
- Portage499 Romence Rd, Portage, MI 49024Directions
- Richland9010 E D Ave, Richland, MI 49083Directions
- Schoolcraft500 N Grand St, Schoolcraft, MI 49087Directions
Grand Rapids area · 1
- Metro Health2270 Gezon Pkwy SW, Grand Rapids, MI 49519Directions
Sturgis area · 1
- Three Rivers Branch915 W Michigan Ave, Three Rivers, MI 49093Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.71% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.48% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalNet worth ratio16.71%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KCCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.