Credit union · NCUA insured
KCCU CD Rates
Top CarrotKCCU’s best CD rate is 4.55% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How KCCU’s CD rates compare
Compared with banks and credit unions near Battle Creek, MI, where KCCU has the most branches. $10,000, best rate first.
This credit union’s best
KCCU
4.45%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $183
Certificate Specials
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
KCCU CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.45%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where KCCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.45%APY · 2 terms
Limited time offer. Membership Required. Certificate bonus is only available on new certificates. Advertised rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. Penalty may apply for early withdrawal. At maturity the 5-month certificate term and 14-month certificate term will renew at a 12-month term at then current rate.
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsAdvertised APY as high as 4.45% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.20% on balances $500.00 - $49,999.99 | 4.45% | — | 4.45% | $183 |
| 5 monthsAdvertised APY as high as 4.55% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.30% on balances $50,000 and greater | — | 4.55% | —4.55% from $50k | — |
| 14 monthsAdvertised APY as high as 4.25% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.00% on balances $500.00 - $49,999.99 | 4.25% | — | 4.25% | $498 |
| 14 monthsAdvertised APY as high as 4.35% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.10% on balances $50,000.00 and greater | — | 4.35% | —4.35% from $50k | — |
Sources (1)
- kccu4u.org/personal/bank/savings-rates · captured Oct 5, 2026
Regular Certificate Accounts
Up to 3.00%APY · 6 terms
Membership required. Certificate bonus is only available on new certificates. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAdvertised APY as high as 1.75% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.50% | 1.75% | — | 1.75% | $87 |
| 6 monthsAdvertised APY as high as 1.85% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.60% | — | 1.85% | —1.85% from $50k | — |
| 12 monthsAdvertised APY as high as 2.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.75% | 2.00% | — | 2.00% | $200 |
| 12 monthsAdvertised APY as high as 2.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.85% | — | 2.10% | —2.10% from $50k | — |
| 24 monthsAdvertised APY as high as 2.25% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.00% | 2.25% | — | 2.25% | $455 |
| 24 monthsAdvertised APY as high as 2.35% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.10% | — | 2.35% | —2.35% from $50k | — |
| 36 monthsAdvertised APY as high as 2.75% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.50% | 2.75% | — | 2.75% | $848 |
| 36 monthsAdvertised APY as high as 2.85% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.60% | — | 2.85% | —2.85% from $50k | — |
| 48 monthsAdvertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75% | 3.00% | — | 3.00% | $1,255 |
| 48 monthsAdvertised APY as high as 3.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.85% | — | 3.10% | —3.10% from $50k | — |
| 60 monthsAdvertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75% | 3.00% | — | 3.00% | $1,593 |
| 60 monthsAdvertised APY as high as 3.25% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 3.00% | — | 3.25% | —3.25% from $50k | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate Specials
Up to 4.45%APY · 2 terms
Limited time offer. Membership Required. Certificate bonus is only available on new certificates. Advertised rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. Penalty may apply for early withdrawal. At maturity the 5-month IRA certificate term and 14-month IRA certificate term will renew at a 12-month term at then current rate.
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsAdvertised APY as high as 4.45% includes 0.25% APY increase using 20,000 VIP Lifetime Reward Points; standard APY is 4.20% on balances $500.00 - $49,999.99 | 4.45% | — | 4.45% | $183 |
| 5 monthsAdvertised APY as high as 4.55% includes 0.25% APY increase using 20,000 VIP Lifetime Reward Points; standard APY is 4.30% on balances $50,000 and greater | — | 4.55% | —4.55% from $50k | — |
| 14 monthsAdvertised APY as high as 4.25% includes 0.25% APY increase using 20,000 VIP Lifetime Reward Points; standard APY is 4.00% on balances $500.00 - $49,999.99 | 4.25% | — | 4.25% | $498 |
| 14 monthsAdvertised APY as high as 4.35% includes 0.25% APY increase using 20,000 VIP Lifetime Reward Points; standard APY is 4.10% on balances $50,000.00 and greater | — | 4.35% | —4.35% from $50k | — |
Sources (1)
- kccu4u.org/personal/bank/savings-rates · captured Oct 16, 2026
IRA Certificate
Up to 3.00%APY · 6 terms
Membership Required. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate stated minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Certificate bonus is only available on new certificates.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAdvertised APY as high as 1.75% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.50% | 1.75% | — | 1.75% | $87 |
| 6 monthsAdvertised APY as high as 1.85% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.60% | — | 1.85% | —1.85% from $50k | — |
| 12 monthsAdvertised APY as high as 2.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.75% | 2.00% | — | 2.00% | $200 |
| 12 monthsAdvertised APY as high as 2.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 1.85% | — | 2.10% | —2.10% from $50k | — |
| 24 monthsAdvertised APY as high as 2.25% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.00% | 2.25% | — | 2.25% | $455 |
| 24 monthsAdvertised APY as high as 2.35% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.10% | — | 2.35% | —2.35% from $50k | — |
| 36 monthsAdvertised APY as high as 2.75% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.50% | 2.75% | — | 2.75% | $848 |
| 36 monthsAdvertised APY as high as 2.85% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.60% | — | 2.85% | —2.85% from $50k | — |
| 48 monthsAdvertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75% | 3.00% | — | 3.00% | $1,255 |
| 48 monthsAdvertised APY as high as 3.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.85% | — | 3.10% | —3.10% from $50k | — |
| 60 monthsAdvertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75% | 3.00% | — | 3.00% | $1,593 |
| 60 monthsAdvertised APY as high as 3.25% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 3.00% | — | 3.25% | —3.25% from $50k | — |
Sources (1)
- kccu4u.org/personal/bank/savings-rates · captured Oct 16, 2026
Child Certificate
1.96%APY on $10,000
Designed for kids age 0 to 5. On the date the owner reaches 6th birthday, account converts to Youth Certificate account at prevailing rate. Tier 1: A dividend rate of 3.94% (4.00% APY) is paid on portion of average daily balance <= $5,000.00. Tier 2: A dividend rate of 0.00% is paid on portion > $5,000.00, yielding 1.33% to 4.00% APY depending on balance.
| Part of the balance | Rate on that part |
|---|---|
| $100 – $5,000 | 3.94% |
On $10,000 the tiers blend to about 1.96% APY, earning $196 a year.
Sources (3)
- kccu4u.org/rates
- kccu4u.org/files/kellogg/1/fil…Disclosure%206-24-25.pdf
- kccu4u.org/personal/bank/certificates
All captured Oct 16, 2026
Teen Certificate
1.96%APY on $10,000
Designed for teens ages 13 to 17. Once the owner reaches 18th birthday, account terms adjust. Tier 1: A dividend rate of 3.94% (4.00% APY) is paid on portion of average daily balance <= $5,000.00. Tier 2: A dividend rate of 0.00% is paid on portion > $5,000.00, yielding 1.33% to 4.00% APY depending on balance.
| Part of the balance | Rate on that part |
|---|---|
| $100 – $5,000 | 3.94% |
On $10,000 the tiers blend to about 1.96% APY, earning $196 a year.
Sources (3)
- kccu4u.org/rates
- kccu4u.org/files/kellogg/1/fil…Disclosure%206-24-25.pdf
- kccu4u.org/personal/bank/certificates
All captured Oct 16, 2026
Youth Certificate
1.96%APY on $10,000
Designed for youth ages 6 to 12. On the date the owner reaches 13th birthday, account converts to Teen Certificate account at prevailing rate. Tier 1: A dividend rate of 3.94% (4.00% APY) is paid on portion of average daily balance <= $5,000.00. Tier 2: A dividend rate of 0.00% is paid on portion > $5,000.00, yielding 1.33% to 4.00% APY depending on balance.
| Part of the balance | Rate on that part |
|---|---|
| $100 – $5,000 | 3.94% |
On $10,000 the tiers blend to about 1.96% APY, earning $196 a year.
Sources (3)
- kccu4u.org/rates
- kccu4u.org/files/kellogg/1/fil…Disclosure%206-24-25.pdf
- kccu4u.org/personal/bank/certificates
All captured Oct 16, 2026
Who can join KCCU
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.
Membership information collected October 5, 2026.