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Kellogg Community Federal Credit Union

Overview / Commentary
269-968-9251
P.O. Box 140
Battle Creek, MI 49016

Kellogg Community Federal Credit Union is headquartered in BATTLE CREEK and is the 22nd largest credit union in the state of Michigan. It is also the 509th largest credit union in the nation. It was established in 1941 and as of December of 2013, it had grown to 90 employees and 33,602 members. Kellogg Community Federal Credit Union's money market rates are 14% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Eligible members are people who live, work, worship or attend school in, and businesses and other legal entities located in Allegan County, Barry County, Berrien County, Branch County, Calhoun County, Cass County, Kalamazoo County, St. Joseph County and Van Buren County, Michigan. Relatives of KCFCU members are also eligible for credit union membership. KCFCU membership requires a minimum Savings Account deposit of just $5.00. - See Details

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Kellogg Community Federal Credit Union had $3.37 million in non-current loans and owned real-estate with $54.66 million in equity and loan loss allowances on hand to cover it. This gives Kellogg Community Federal Credit Union a Texas Ratio of 6.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Kellogg Community Federal Credit Union decreased slightly from 8.37% as of December 31, 2012 to 6.16% as of December 31, 2013, resulting in a positive change of 26.41%.This indicates that the balance sheet and financial strength for Kellogg Community Federal Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Kellogg Community Federal Credit Union has increased its total deposits by $18.29 million, resulting in 5.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kellogg Community Federal Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kellogg Community Federal Credit Union has $419.09 million in assets with $54.66 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

Institution Statistics

Overall
NCUA #4702
Year Chartered1941
Employees90
Primary Regulator
Assets and Liabilities
Assets$419.09 million
Loans$214.60 million
Deposits$364.68 million
Equity Capital$50.54 million
Loan Loss Allowance$4.12 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$723,000
Historic Data - December 2012
Assets$398.65 million
Equity Capital$48.58 million
Loan Loss Allowance$4.48 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$1.06 million
Profit Margin - Quarterly
Net Interest Margin4.9%
Return on Assets0.9%
Return on Equity7.48%
Interest Income$13.97 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Kellogg Community Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Kellogg Community Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.12%--Regular Savings
0.12%--Secondary Savings
0.12%--Christmas Club Account

Kellogg Community Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$200k-Money Market Plus Account
0.40%$50k-Money Market Checking Account

Kellogg Community Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$1kGreen Checking Account
2.00%--Green Checking Account

Kellogg Community Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.90%$50k-5-Year Golden Term Share Account
1.65%$500-5-Year Term Share Account
1.55%$50k-4-Year Golden Term Share Account
1.25%$500-4-Year Term Share Account
1.25%$50k-3-Year Golden Term Share Account
1.00%$500-3-Year Term Share Account
0.85%$50k-2-Year Golden Term Share Account
0.70%$500-2-Year Term Share Account
0.60%$50k-1-Year Golden Term Share Account
0.50%$500-1-Year Term Share Account
0.45%$50k-6 Month Golden Term Share Account
0.35%$500-6 Month Term Share Account

Kellogg Community Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.90%$50k-5-Year IRA Golden Term Share Account (Traditional,Roth,CESA)
1.65%$500-5-Year IRA Term Share Account (Traditional,Roth,CESA)
1.55%$50k-4-Year IRA Golden Term Share Account (Traditional,Roth,CESA)
1.25%$50k-3-Year IRA Golden Term Share Account (Traditional,Roth,CESA)
1.25%$500-4-Year IRA Term Share Account (Traditional,Roth,CESA)
1.00%$500-3-Year IRA Term Share Account (Traditional,Roth,CESA)
0.85%$50k-2-Year IRA Golden Term Share Account (Traditional,Roth,CESA)
0.70%$500-2-Year IRA Term Share Account (Traditional,Roth,CESA)
0.60%$50k-1-Year IRA Golden Term Share Account (Traditional,Roth,CESA)
0.50%$500-1-Year IRA Term Share Account (Traditional,Roth,CESA)
0.45%$50k-6 Month IRA Golden Term Share Account (Traditional,Roth,CESA)
0.35%$500-6 Month IRA Term Share Account (Traditional,Roth,CESA)
Locations


Kellogg Community Federal Credit Union Locations
Branch Office915 W Michigan AveThree Rivers, MI 49093
Branch Office1425 Capital Ave NEBattle Creek, MI 49017
Branch Office2925 W Dickman RdSpringfield, MI 49037-7939
Branch Office10306 Miller DrGalesburg, MI 49053-9581
Branch Office499 Romence RdPortage, MI 49024
Branch Office41 2nd StBattle Creek, MI 49014-6286
Branch Office5067 Gull RdKalamazoo, MI 49048
Branch Office51 Michigan Ave WBattle Creek, MI 49017-3603
Branch Office6247 B Dr NBattle Creek, MI 49014-8315
Branch Office15877 W Michigan AveMarshall, MI 49068