Credit union · NCUA insured
KCCU Savings Rates
Top CarrotKCCU’s best savings rate is 2.00% APY on $10,000, with its Save to Win. Rates checked October 16, 2026.
How KCCU’s savings 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
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Save to Win
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
KCCU savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.50%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Max
0.10%APY
Interest accrues daily, paid monthly. Minimum $1,000 account balance to earn dividend/interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Minimum balance must be met to earn dividend. | 0.10% | $10 | Minimum balance must be met to earn dividend. |
| $100,000 – $250,000Minimum balance must be met to earn dividend. | 3.50% | — | Minimum balance must be met to earn dividend. |
| $250,000 – $500,000Minimum balance must be met to earn dividend. | 3.50% | — | Minimum balance must be met to earn dividend. |
| $500,000 – $2,000,000Minimum balance must be met to earn dividend. | 3.50% | — | Minimum balance must be met to earn dividend. |
| $2,000,000 and upMinimum balance must be met to earn dividend. | 0.10% | — | Minimum balance must be met to earn dividend. |
Sources (2)
All captured Sep 18, 2026
Money Market Plus
0.70%APY
Interest accrues daily, paid monthly. Minimum $1,000 account balance to earn dividend/interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Minimum balance must be met to earn dividend. | 0.70% | $70 | Minimum balance must be met to earn dividend. |
| $10,000 – $25,000Minimum balance must be met to earn dividend. | 0.75% | — | Minimum balance must be met to earn dividend. |
| $25,000 – $50,000Minimum balance must be met to earn dividend. | 0.85% | — | Minimum balance must be met to earn dividend. |
| $50,000 – $100,000Minimum balance must be met to earn dividend. | 1.50% | — | Minimum balance must be met to earn dividend. |
| $100,000 – $200,000Minimum balance must be met to earn dividend. | 2.15% | — | Minimum balance must be met to earn dividend. |
| $200,000 – $250,000Minimum balance must be met to earn dividend. | 2.25% | — | Minimum balance must be met to earn dividend. |
| Over $250,000Minimum balance must be met to earn dividend. | 2.50% | — | Minimum balance must be met to earn dividend. |
Sources (2)
All captured Sep 18, 2026
Save to Win
2.00%APY
Every $25 deposited gives a chance to win cash prizes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 2.00% | $200 |
Sources (2)
All captured Oct 16, 2026
Kasasa Saver
1.75%APY
Links to free Kasasa Cash or Kasasa Cash Back checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.75% | $175 |
Sources (2)
All captured Oct 16, 2026
Regular Savings
0.10%APY
KCCU membership requires a regular savings account with a minimum deposit of $5.00, equal to one share in the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Secondary Savings
0.10%APY
May be opened for budgeting purposes or special purchases.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Coverdell Education Savings Account
0.60%APY
Can be opened for any child under age 18 to fund educational expenses. Earnings grow tax-free if used for qualified education expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.60% | $60 |
Sources (2)
- kccu4u.org/personal/bank/individual-retirement-account
- kccu4u.org/files/kellogg/1/fil…Savings%20Disclosure.pdf
All captured Oct 16, 2026
Roth IRA
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.60% | $60 |
Sources (2)
All captured Oct 16, 2026
SEP IRA
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.60% | $60 |
Sources (1)
- kccu4u.org/files/kellogg/1/fil…Savings%20Disclosure.pdf · captured Oct 16, 2026
Traditional IRA
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.60% | $60 |
Sources (2)
All captured Oct 16, 2026
Health Savings Account
Up to 0.35%APY
Tax-advantaged savings account designed for medical expenses; requires a High Deductible Health Plan.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.25% | $25 |
| $10,000 and up | 0.35% | $35 |
| $25,000 and up | 0.50% | — |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.10%APY
Designed to save money throughout the year for holiday expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
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.