Kellogg Community Federal Credit Union

Kellogg Community Federal Credit Union Locations

41 Second Street
Battle Creek, MI 49014
800.854.5421
www.kelloggcommunityfcu.org

OverView
Rates
Health
Reviews

Kellogg Community Federal Credit Union is headquartered in Battle Creek and is the 24^th largest credit union in the state of Michigan. It is also the 524^th largest credit union in the nation. It was established in 1941 and as of September of 2011, it had grown to 70 employees and 29,706 members. Kellogg Community Federal Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

4.99% 7-Month CD ($5K Max) at Kellogg Community FCU in Michigan - Local Only - 6/22/2009

Kellogg Community FCU is having a grand opening special with a 4.99% APY 7-month certificate. Minimum deposit is $500, and the maximum is $4,999. It requires that you also open a checking account with direct deposit of at least $100. It's scheduled to...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Kellogg Community Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
4.00%	-	$1k	Green Checking - Qualifying
0.35%	$50k	-	Money Market Checking

Kellogg Community Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	-	-	IRA Savings
1.00%	-	-	Roth IRA Savings
1.00%	-	-	CESA Savings
0.15%	-	-	Regular Savings
0.15%	-	-	Secondary Savings
0.15%	-	-	Christmas Club Account

Kellogg Community Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.70%	$150k	-	Money Market Plus

Kellogg Community Federal Credit Union CD Rates

Apy	Min	Max	Product
2.15%	$50k	-	5-Year Golden Term Share CD
2.00%	$500	-	5-Year Term Share CD
1.80%	$50k	-	4-Year Golden Term Share CD
1.70%	$500	-	4-Year Term Share CD
1.50%	$50k	-	3-Year Golden Term Share CD
1.30%	$500	-	3-Year Term Share CD
1.20%	$50k	-	2-Year Golden Term Share CD
1.10%	$500	-	2-Year Term Share CD
0.80%	$50k	-	1-Year Golden Term Share CD
0.80%	$50k	-	17-Month Golden Term Share CD
0.75%	$500	-	1-Year Term Share CD
0.75%	$500	-	17-Month Term Share CD
0.50%	$50k	-	26-Week Golden Term Share CD
0.50%	$50k	-	9-Month Golden Term Share 1-Time No Penalty CD
0.50%	$50k	-	9-Month Golden Term Share CD
0.40%	$500	-	26-Week Term Share CD
0.40%	$1k	-	9-Month Term Share 1-Time No Penalty CD
0.40%	$1k	-	9-Month Term Share CD

Kellogg Community Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.15%	$50k	-	5-Year Golden Term Share IRA
2.15%	$50k	-	5-Year Golden Term Share Roth IRA
2.15%	$50k	-	5-Year Golden Term Share CESA
2.00%	$500	-	5-Year Term Share IRA
2.00%	$500	-	5-Year Term Share Roth IRA
2.00%	$500	-	5-Year Term Share CESA
1.80%	$50k	-	4-Year Golden Term Share IRA
1.80%	$50k	-	4-Year Golden Term Share Roth IRA
1.80%	$50k	-	4-Year Golden Term Share CESA
1.70%	$500	-	4-Year Term Share IRA
1.70%	$500	-	4-Year Term Share Roth IRA
1.70%	$500	-	4-Year Term Share CESA
1.50%	$50k	-	3-Year Golden Term Share IRA
1.50%	$50k	-	3-Year Golden Term Share Roth IRA
1.50%	$50k	-	3-Year Golden Term Share CESA
1.30%	$500	-	3-Year Term Share IRA
1.30%	$500	-	3-Year Term Share Roth IRA
1.30%	$500	-	3-Year Term Share CESA
1.20%	$50k	-	2-Year Golden Term Share IRA
1.20%	$50k	-	2-Year Golden Term Share Roth IRA
1.20%	$50k	-	2-Year Golden Term Share CESA
1.10%	$500	-	2-Year Term Share IRA
1.10%	$500	-	2-Year Term Share Roth IRA
1.10%	$500	-	2-Year Term Share CESA
0.80%	$50k	-	1-Year Golden Term Share IRA
0.80%	$50k	-	17-Month Golden Term Share IRA
0.80%	$50k	-	1-Year Golden Term Share Roth IRA
0.80%	$50k	-	17-Month Golden Term Share Roth IRA
0.80%	$50k	-	1-Year Golden Term Share CESA
0.80%	$50k	-	17-Month Golden Term Share CESA
0.75%	$500	-	1-Year Term Share IRA
0.75%	$500	-	17-Month Term Share IRA
0.75%	$500	-	1-Year Term Share Roth IRA
0.75%	$500	-	17-Month Term Share Roth IRA
0.75%	$500	-	1-Year Term Share CESA
0.75%	$500	-	17-Month Term Share CESA
0.50%	$50k	-	26-Week Golden Term Share IRA
0.50%	$50k	-	9-Month Golden Term Share 1-Time No Penalty IRA
0.50%	$50k	-	9-Month Golden Term Share IRA
0.50%	$50k	-	26-Week Golden Term Share Roth IRA
0.50%	$50k	-	9-Month Golden Term Share 1-Time No Penalty Roth IRA
0.50%	$50k	-	9-Month Golden Term Share Roth IRA
0.50%	$50k	-	26-Week Golden Term Share CESA
0.50%	$50k	-	9-Month Golden Term Share 1-Time No Penalty CESA
0.50%	$50k	-	9-Month Golden Term Share CESA
0.40%	$500	-	26-Week Term Share IRA
0.40%	$1k	-	9-Month Term Share 1-Time No Penalty IRA
0.40%	$1k	-	9-Month Term Share IRA
0.40%	$500	-	26-Week Term Share Roth IRA
0.40%	$1k	-	9-Month Term Share 1-Time No Penalty Roth IRA
0.40%	$1k	-	9-Month Term Share Roth IRA
0.40%	$500	-	26-Week Term Share CESA
0.40%	$1k	-	9-Month Term Share 1-Time No Penalty CESA
0.40%	$1k	-	9-Month Term Share CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

KELLOGG COMMUNITY
NCUA #	4702
BankRate Report	View
Year Established	1941
Employees	70
Primary Regulator
Assets and Liabilities
Assets	$363.54 million
Loans	$195.60 million
Deposits	$313.85 million
Equity Capital	$45.85 million
Loan Loss Allowance	$4.53 million
Unbacked Noncurrent Loans	$5.37 million
Real Estate Owned	$530,000
Historic Data - September 2010
Assets	$343.68 million
Equity Capital	$43.05 million
Loan Loss Allowance	$4.02 million
Unbacked Noncurrent Loans	$4.06 million
Real Estate Owned	$1.29 million
Profit Margin - Quarterly
Net Interest Margin	3.98%
Return on Assets	0.85%
Return on Equity	6.76%
Interest Income	$11.42 million
Non-Interest Income	$3.40 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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 September 30, 2011 Kellogg Community Federal Credit Union had $5.9 million in non-current loans and owned real-estate with $50.38 million in equity and loan loss allowances on hand to cover it. This gives Kellogg Community Federal Credit Union a Texas Ratio of 11.70% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Kellogg Community Federal Credit Union held steady from 11.37% as of September 30, 2010 to 11.70% as of September 30, 2011, resulting in a negative change of 2.94%. This indicates that the balance sheet and financial strength for Kellogg Community Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Kellogg Community Federal Credit Union has increased its total deposits by $16.53 million, resulting in 5.56% 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
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 $363.54 million in assets with $50.38 million in equity, resulting in a capitalization level of 13.86%, which is excellent.