What are the current interest rates at Kellogg Community Credit Union?

Current rates for Kellogg Community Credit Union include: 12-Month CD: 2.00%, 24-Month CD: 2.25%, 60-Month CD: 3.00%, Savings: 0.50%, MMA: 3.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Kellogg Community Credit Union

iAdvertiser Disclosure

Kellogg Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kellogg Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Kellogg Community Credit Union's top rates as of October 10, 2026 are 4.55% APY on its 5 Month CD, 0.50% APY on savings, 3.50% APY on money market accounts, 0.50% APY on checking, 6.88% on its Fixed rate mortgage, 10 yr, personal loans from 10.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Kellogg Community Credit Union CD rates include 5 Month IRA CD at 4.55%, 5 Month CD at 4.45%, and 5 Month IRA CD at 4.45%. Other Kellogg Community Credit Union mortgage rates include Fixed rate mortgage, 15 yr at 7.00%, Fixed rate mortgage, 20 yr at 7.25%, and Fixed rate mortgage, 30 yr at 7.38%. MonitorBankRates evaluates the financial stability of Kellogg Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.68%. Rates last updated and verified on 10/10/2026.

Kellogg Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kellogg Community Credit Union? Share your experience about Kellogg Community Credit Union by leaving a review below, or read customer reviews before you decide to use Kellogg Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.68%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Kellogg Community Credit Union
2nd Street

41 2nd St
Battle Creek, MI 49014-6286

https://www.kelloggccu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kellogg Community Credit Union CD Rates

Product	Rate	APY	Term
5 Month Certificate	-	4.55%	5 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised 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. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Month IRA Certificate	-	4.55%	5 Month
Min Deposit $50,000 Details The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Rates advertised 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Month Certificate	-	4.45%	5 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised 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. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Month IRA Certificate	-	4.45%	5 Month
Min Deposit $500 Details The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Rates advertised 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month Certificate	-	4.35%	14 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised 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. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month IRA Certificate	-	4.35%	14 Month
Min Deposit $50,000 Details The 14-month IRA certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Rates advertised 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month Certificate	-	4.25%	14 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised 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. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month IRA Certificate	-	4.25%	14 Month
Min Deposit $500 Details The 14-month IRA certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Rates advertised 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Child Certificate ages 0-5	3.94%	4.00%
Min Deposit $100 Min Balance $100 Details Age: 0-5; Tier 1: A dividend rate of 3.94% will be paid on the portion of your average daily balance that is less than or equal to $5000.00. The annual percentage yield for this tier is 4.00%. Tier 2: A dividend rate of 0.00% will be paid on the portion of your average daily balance that is greater than $5000.00. The annual percentage yield for this tier will range from 1.33% to 4.00%, depending on the balance in the account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Teen Certificate ages 13-17	3.94%	4.00%
Min Deposit $100 Min Balance $100 Details Age: 13-17; Tier 1: A dividend rate of 3.94% will be paid on the portion of your average daily balance that is less than or equal to $5000.00. The annual percentage yield for this tier is 4.00%. Tier 2: A dividend rate of 0.00% will be paid on the portion of your average daily balance that is greater than $5000.00. The annual percentage yield for this tier will range from 1.33% to 4.00%, depending on the balance in the account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Youth Certificate ages 6-12	3.94%	4.00%
Min Deposit $100 Min Balance $100 Details Age: 6-12; Tier 1: A dividend rate of 3.94% will be paid on the portion of your average daily balance that is less than or equal to $5000.00. The annual percentage yield for this tier is 4.00%. Tier 2: A dividend rate of 0.00% will be paid on the portion of your average daily balance that is greater than $5000.00. The annual percentage yield for this tier will range from 1.33% to 4.00%, depending on the balance in the account. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year Certificate	-	3.25%	5 year
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year IRA Certificate	-	3.25%	5 year
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Oct 1, 20263.00%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year Certificate	-	3.10%	4 year
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year IRA Certificate	-	3.10%	4 year
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.10% → 3.10% ▼ 0.00 pts · high 3.10% / low 2.85% Oct 10, 20263.10%▲ from 2.85% Oct 1, 20262.85%▼ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year Certificate	-	3.00%	4 year
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year IRA Certificate	-	3.00%	4 year
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year Certificate	-	3.00%	5 year
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year IRA Certificate	-	3.00%	5 year
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year Certificate	-	2.85%	3 year
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year IRA Certificate	-	2.85%	3 year
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year Certificate	-	2.75%	3 year
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year IRA Certificate	-	2.75%	3 year
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year Certificate	-	2.35%	2 year
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year IRA Certificate	-	2.35%	2 year
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.10% Oct 10, 20262.35%▲ from 2.10% Oct 1, 20262.10%▼ from 2.35% Sep 14, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year Certificate	-	2.25%	2 year
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year IRA Certificate	-	2.25%	2 year
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year Certificate	-	2.10%	1 year
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year IRA Certificate	-	2.10%	1 year
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.10% / low 1.85% Oct 10, 20262.10%▲ from 1.85% Oct 1, 20261.85%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year Certificate	-	2.00%	1 year
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year IRA Certificate	-	2.00%	1 year
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month Certificate	-	1.85%	6 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month IRA Certificate	-	1.85%	6 month
Min Deposit $50,000 Min Balance $50,000 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month Certificate	-	1.75%	6 months
Min Deposit $500 Details APY = Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month IRA Certificate	-	1.75%	6 month
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	0.50%
Min Deposit $0 Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Health Savings Account	-	0.35%
Min Deposit $0 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Health Savings Account	-	0.25%
Min Deposit $0 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Christmas Club	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Regular Savings	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Secondary Savings	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Max	-	3.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	3.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	3.50%
Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.50%
Min Balance $250,000 Details Balance: $250,000.01 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.25%
Min Balance $200,000 Details Balance: $200,000.01 - $250,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.15%
Min Balance $100,000 Details Balance: $100,000.01 - $200,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.85%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.75%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.70%
Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	0.10%
Min Balance $2,000,000 Details Balance: $2,000,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Max	-	2.75%
Min Balance $100,000 Details Maximum Balance: $249,999.99; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	2.75%
Min Balance $250,000 Details Maximum Balance: $499,999.99; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	2.75%
Min Balance $500,000 Details Maximum Balance: $1,999,999.99; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	1.00%
Min Balance $100,000 Details Maximum Balance:; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.85%
Min Balance $25,000 Details Maximum Balance: $50,000.00; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.85%
Min Balance $50,000 Details Maximum Balance: $100,000.00; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.50%
Min Balance $1,000 Details Maximum Balance: $25,000.00; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	0.10%
Min Balance $1,000 Details Maximum Balance: $99,999.99; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	0.10%
Min Balance $2,000,000 Details Maximum Balance:; APY = Annual Percentage Yield. Minimum balance must be met to earn dividend. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	-	0.35%
Min Deposit $0 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Checking	-	0.30%
Min Deposit $0 Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Checking	-	0.20%
Min Deposit $0 Min Balance $5,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Business Checking Rates

Product	Rate	APY
Business Preferred Checking	-	0.50%
Min Balance $100,000 Details Balance: $100,000.01 - $150,000.00 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Preferred Checking	-	0.50%
Min Balance $150,000 Details Balance: $150,000.01 - $200,000.00 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Preferred Checking	-	0.50%
Min Balance $200,000 Details Balance: $200,000.01 - no maximum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Preferred Checking	-	0.30%
Min Balance $50,000 Details Balance: $50,000.00 - $75,000.00 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Preferred Checking	-	0.30%
Min Balance $75,000 Details Balance: $75,000.01 - $100,000.00 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed rate mortgage, 10 yr	6.875%	-	7.277%	10 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 7.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 15 yr	7.00%	-	7.287%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 20 yr	7.25%	-	7.484%	20 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 7.48% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 30 yr	7.375%	-	7.557%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 7.56% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
5 year fixed home equity	-	-	6.00%	5 year
Details Home Equity Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
10 year fixed home equity	-	-	6.75%	10 year
Details Home Equity Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Home Equity Line of Credit	-	-	6.75%
Details Home Equity Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
15 year fixed home equity	-	-	7.00%	15 year
Details Home Equity Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details As Low As; * Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 1, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Credit Card Rates

Product	Rate	APR
Edge Credit Card	-	8.99%
Details Intro rate expires: 12 months; Regular APR: 8.99%-17.99% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Elite Credit Card	-	11.50%
Details Intro rate expires: 12 months; Regular APR: 11.50%-23.50% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Oct 10, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.99%	Up to 60 months
Details As Low As; Rates are subject to change without notice. Subject to credit approval and other conditions. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	-	-	4.25%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications:Kasasa Checking Accounts Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Kasasa Saver Savings	-	-	1.75%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications:Kasasa Saver Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Roth IRA	-	-	0.60%
Min Deposit $5 Min Balance $5 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Save to Win	-	-	2.00%
Min Deposit $0 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Traditional IRA	-	-	0.60%
Min Deposit $5 Min Balance $5 Details APY=Annual Percentage Yield. All 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 will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kellogg Community Credit Union’s Texas Ratio fell from 4.21% in Q3 2023 to 1.68% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	1.68%	5.0	A+
March 31, 2026	$1.0B	2.12%	5.0	A+
December 31, 2025	$962M	2.92%	5.0	A+
September 30, 2025	$925M	2.09%	5.0	A+
June 30, 2025	$928M	2.48%	5.0	A+
March 31, 2025	$933M	2.19%	5.0	A+
December 31, 2024	$908M	3.50%	5.0	A+
September 30, 2024	$894M	2.47%	5.0	A+
June 30, 2024	$893M	1.68%	5.0	A+
March 31, 2024	$896M	1.54%	5.0	A+
December 31, 2023	$857M	3.20%	5.0	A+
September 30, 2023	$839M	4.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kellogg Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kellogg Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kellogg Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kellogg Community Credit Union

Website https://www.kelloggccu.org

Address 41 2nd St, Battle Creek, MI 49014-6286

Phone 269-968-9251

Fax 269-966-0648

President Henry Pat Rolfe

CEO Tracy Miller

Full-Time Employees 154

Part-Time Employees 3

Branch Locations 14

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.68%

Return on Assets (ROA)

0.7196%

Return on Equity (ROE)

4.3029%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

1,020,238,170

Total Amount of Shares and Deposits

846,760,270

Total Shares and Deposits < 1 Year

828,423,966

Total Shares and Deposits 1 3 Years

10,635,621

Total Shares and Deposits > 3 Years

7,700,682

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

97,673,815

Total Uninsured Shares and Deposits > $250K (F+J)

97,673,815

Total Insured Shares and Deposits > $250K (item 17 less item K)

749,086,455

Total Interest Expense (Sum of items 6 8)

8,843,304

Share Certificates

6,036

Number of Accounts for Share Drafts

30,649

IRA KEOGH Accounts

1,244

Number of Accounts for Regular Shares

66,104

All other shares

2,450

Money Market Shares

7,226

Net Income (unless the amount is already included in Undivided Earnings)

7,341,823

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

135,937,354

Total Liabilities

855,879,811

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Kellogg Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/kellogg-community-credit-union-rates-review-68678">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Kellogg Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Kellogg Community Credit Union

Frequently Asked Questions About Kellogg Community Credit Union

How many branches does Kellogg Community Credit Union operate?

Kellogg Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kellogg Community Credit Union?

Yes, to access services at Kellogg Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kellogg Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kellogg Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kellogg Community Credit Union offer online and mobile banking?

Most modern institutions like Kellogg Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kelloggccu.org.

Current Kellogg Community Credit Union Rates

12-Month CD2.00%
24-Month CD2.25%
60-Month CD3.00%
Savings0.50%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kellogg Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kellogg Community Credit Union Texas Ratio

Kellogg Community Credit Union Health Trend

Kellogg Community Credit Union CD Rates

Kellogg Community Credit Union Savings Rates

Kellogg Community Credit Union Money Market Rates

Kellogg Community Credit Union Business Money Market Rates

Kellogg Community Credit Union Checking Rates

Kellogg Community Credit Union Business Checking Rates

Kellogg Community Credit Union Mortgage Rates

Kellogg Community Credit Union Home Equity & HELOC

Kellogg Community Credit Union Auto Loan Rates

Kellogg Community Credit Union Credit Card Rates

Kellogg Community Credit Union Personal Loan Rates

Kellogg Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kellogg Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kellogg Community Credit Union

How many branches does Kellogg Community Credit Union operate?

Is a member application needed to join Kellogg Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kellogg Community Credit Union offer online and mobile banking?

Current Kellogg Community Credit Union Rates

Compare to Other Credit Unions