Kellogg Community Credit Union Has 29-Month CD Special

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Deal Summary: Winter CD Specials – 29-month (3.15% APY), 19-month (3.00% APY), and 9-month (2.50% APY), $500 minimum deposit.

Availability: Residents of 15 west Michigan counties.

Kellogg Community Credit Union (KCCU) is hoping you’ll “feel the warmth” with the “hot” rates being offered on its Winter CD Specials: 29-month (3.15% APY), 19-month (3.00% APY), and 9-month (2.50% APY). Of the three, the 29- and 19-month CD Specials offer the more competitive rates. These limited-time specials require a $500 minimum opening deposit, with no stated balance cap.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.15%$500-Kellogg Community Credit Union29 Month CD Special
3.15%$500-Kellogg Community Credit Union29 Month IRA Certificate Special (Traditional, Roth, CESA)
3.00%$500-Kellogg Community Credit Union19 Month CD Special
3.00%$500-Kellogg Community Credit Union19 Month IRA Certificate Special (Traditional, Roth, CESA)
2.50%$500-Kellogg Community Credit Union9 Month CD Special
2.50%$500-Kellogg Community Credit Union9 Month IRA Certificate Special (Traditional, Roth, CESA)
Rates as of March 26, 2019.

The CD Specials are also available as IRAs (Traditional, Roth, CESA), earning the same APYs with the same funding requirements.

According to CSR, the Early Withdrawal Penalty for the 9-month CD Special is 90 days interest, and 180 days interest for the 19- and 29-month CD Specials.

eChecking and Kasasa Cash

KCCU is the only credit union I can think of that offers two separate rewards checking accounts.

APYMINMAXINSTITUTIONPRODUCTDETAILS
4.25%-$7.5kKellogg Community Credit UnionKasasa Cash
4.00%-$15kKellogg Community Credit UnioneChecking - Qualifying
Rates as of March 26, 2019.

In 2015, KCCU introduced its eChecking account, which still earns 4.00% APY on qualifying balances up to $15k. The monthly qualifying requirements are,

  • Minimum of $500 in Direct Deposits
  • Minimum of four online banking logins
  • Minimum of 20 debit card transactions
  • Receive eStatements
  • Enroll in bill pay

KCCU added the Kasasa brand to its product line last December, with the Kasasa Cash account earning a higher 4.25% APY, but with a much lower balance cap of $7.5k. The Kasasa Cash qualifying requirements are quite similar to that of the eChecking account.

  • Minimum of $500 in Direct Deposits
  • Minimum of one online banking logins
  • Minimum of 12 debit card transactions
  • Receive eStatements
  • Maintain a valid e-mail address

Availability

Headquartered in Battle Creek, Kellogg Community Credit Union’s field of membership (FOM) is residency-based, with individuals who live, work, worship, or attend school in the Michigan counties of Allegan, Barry, Berrien, Branch, Calhoun, Cass, Ionia, Kalamazoo, Kent, Montcalm, Newaygo, Ottawa, St. Joseph, and Van Buren eligible to join.

Relatives of current KCCU members also qualify for membership. (The website does not specify which relatives qualify.)

Joining KCCU can be done online, or at any of 14 Michigan branches located in Battle Creek (5), Grand Rapids (2), Kalamazoo (3), Marshall, Portage, Springfield, and Three Rivers.

According to CSR, opening a CD Special can be done at any of the above mentioned branch locations or by calling 269.968.9251. Current KCCU members may also open a CD Special by logging into their online banking account.

Credit Union Overview

Kellogg Community Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas ratio of 2.22% (excellent) based on September 30, 2018 data. In the past year, KCCU increased its total non-brokered deposits by $18.37 million, an excellent growth rate of 4.4%. Please refer to our financial overview of Kellogg Community Credit Union (NCUA Charter# 68678) for more details.

In 1941, twelve Kellogg Company employees contributed $5 each and applied for a charter, forming a credit union to serve the financial needs of Kellogg Company employees and retirees in Battle Creek.

And so began a 77-year community co-operative financial journey. Kellogg Community Credit Union currently has assets in excess of $526 million and serves over 38,200 members.

How the CD Specials Compare

When compared to 185 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within FOM, Kellogg Community Credit Union's 29-month CD Special APY currently ranks second.

When compared to 205 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within FOM, Kellogg Community Credit Union's 19-month CD Special APY currently ranks second.

The above rates are accurate as of 12/17/2018.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Grand Rapids checking accounts, reward checking accounts, 1-year CD rates, 5-year CD rates

Comments
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Availability: Residents of 15 west Michigan counties.

Kellogg Community Credit Union’s (KCCU) has two added “Pot of Gold” Certificate Specials: 8-month and 18-month with tiered APYs ($500 and $50k minimum deposits). These limited-time specials require new money.

”Pot of Gold” IRA (Traditional, Roth, CESA) Certificate Specials are also available, earning the same tiered APYs with the same funding...

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Availability: Residents of nine Southwestern Michigan counties.

Kellogg Community Federal Credit Union’s (KCFCU) has added a new rewards checking account: eChecking, which earns 4.00% APY on qualifying balances up to $15K. eChecking offers the same benefits of KCFCU’s Classic Checking.

Monthly Qualification Requirements

  • Minimum of $500 in Direct Deposits
  • Minimum of four online banking logins
  • Minimum of 20 debit card transactions
  • Receive eStatements
  • Enrolled in bill pay

Refer A Friend Program

Current KCFCU members will receive $25 for each new referred member who opens a checking account (minimum $100 opening deposit); the new member will...

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The minimum opening deposit for the 5-year CD is a low $500, while the 5-year Golden CD requires a minimum $50K; there is no maximum balance cap for either CD. Both 5-year CDs are available as IRAs (Traditional, Roth and CESA) at the same rates, with the same funding requirements.

According to Kellogg Community FCU’s Disclosures page,

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4.99% 7-Month CD ($5K Max) at Kellogg Community FCU in Michigan - Local Only
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 last through this week but it could end at anytime. This special is not listed at the credit union's website. A reader emailed me info on this, and I just called for additional details.

The CSR said that this special is only available at their two new branches...

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