Kellogg Community Credit Union Battle Creek MI | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Kellogg Community, your trusted financial partner since 1941. Located at 51 Michigan Ave W, Battle Creek, MI 49017, our Downtown Branch is dedicated to serving our members with integrity and care. With a strong commitment to the community, we proudly support over 49,000 members and manage total assets of $893,700,448. At Kellogg Community, we believe in empowering our members through various financial services tailored to meet their needs. From personal banking solutions like checking and savings accounts to auto loans and business banking, we are here to help you achieve your financial goals. Our total deposits stand at an impressive $92,471,496, reflecting the trust our members place in us. Led by our CEO, Tracy Miller, and Board President, Henry Pat Rolfe, our team of 161 dedicated employees is here to assist you every step of the way. We pride ourselves on not just providing financial products but also building lasting relationships within the community. While members can visit us at our branch location, official correspondence should be sent to the same address: 51 Michigan Ave W, Battle Creek, MI 49017-3641. If you're looking for a credit union that genuinely cares about its members and community impact, you've come to the right place. Whether you have questions or want to explore membership options, feel free to give us a call at 269-968-9251 or visit us online at kelloggccu.org. Join us today and experience the difference!

Branch History & Mission

Welcome to Kellogg Community, a beacon of financial support and community spirit in Battle Creek, MI. Since opening our doors in 1941, we have proudly served our members and contributed to the growth of our local community. With a commitment to building lasting relationships, we now boast a total membership of over 49,000 individuals who trust us with their financial needs. Located at 51 Michigan Ave W, our branch is conveniently situated near various local landmarks that make us an integral part of the community. Whether you are coming from downtown or the nearby neighborhoods, you'll find our welcoming environment ready to assist you with all your banking needs. At Kellogg Community, we believe that our mission goes beyond just providing excellent financial services. We strive to empower our members through education and support while fostering a sense of belonging within the community. Our mission statement reflects this dedication: "To enhance the lives of our members and improve the communities we serve." This guiding principle shapes everything we do, from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. As we've grown over the decades, we've also embraced modern advancements to better serve you. Our digital services include online and mobile banking options, making it easier for members to manage their accounts anytime, anywhere. We are proud to be ADA compliant, ensuring that all members can access our services comfortably. While we do not have a drive-thru service, we offer ATM availability for quick cash withdrawals and balance checks. While our physical branch is located at 51 Michigan Ave W, official correspondence should be directed to 51 Michigan Ave W, Battle Creek, MI 49017-3641 for any administrative needs. Our dedicated team is here during operating hours from 9:00 AM to 5:00 PM on weekdays. Kellogg Community has also made significant strides in outreach efforts by partnering with local organizations to give back. We understand that thriving communities make for happier members; thus, we actively engage in initiatives that uplift those around us. Join us at Kellogg Community! Experience firsthand how being part of our credit union means more than just banking; it's about joining a family that supports your financial journey and values your contributions to the community. To learn more about becoming a member or explore the benefits we offer, visit our website or call us at 269-968-9251 today!

Branch Location & Accessibility

Welcome to the Kellogg Community Downtown Branch, conveniently located at 51 Michigan Ave W in the heart of Battle Creek, MI. This prime location makes it easy for our members to access all the financial services they need. Just a stone's throw from local landmarks and community hotspots, visiting us is not only simple but also a pleasant experience. While you can drop by our branch at 51 Michigan Ave W, please note that official correspondence should be sent to the same address. Our branch is situated in Calhoun County, offering ample parking spaces for your convenience and ensuring accessibility for everyone with ADA-compliant features. Our lobby hours are designed to fit your busy schedule, open Monday through Friday from 9:00 AM to 5:00 PM. Whether you're stopping in for personal banking needs, exploring auto loans, or looking into mortgage options, our friendly staff is here to assist you every step of the way. For quick cash withdrawals or balance inquiries, we offer ATM services right on-site. While we currently do not have drive-thru banking available, our welcoming lobby is ready to serve you. If you have any questions or need assistance before your visit, feel free to call us at 269-968-9251. We can't wait to welcome you to Kellogg Community!

Member Eligibility

Becoming a member of Kellogg Community feels like joining a close-knit family that truly cares about your financial well-being. If you're looking to enjoy the benefits of personalized banking, you'll be pleased to know that eligibility is straightforward! At Kellogg Community, we welcome anyone who lives, works, worships, or attends school in Calhoun County, as well as their immediate family members. This inclusive approach means more people can access our valuable services, from competitive loans to everyday banking solutions. If you're ready to take the next step, opening an account is easy! Just visit us at our branch located at 51 Michigan Ave W, Battle Creek, MI 49017, or give us a call at 269-968-9251 for any questions. For detailed eligibility information and updates, feel free to check out our resource page at http://www.kccu4u.org/about-us/membership-eligibility. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $212 in commercial loans for our members, helping businesses scale and succeed. Imagine having the financial backing to purchase new equipment or hire additional staff this is what our member loans can do for you.

Non-Member Support

We also support the broader business community with $47 in non-member commercial loans, providing flexible financing solutions. This means that even if you're not yet a member, we can still help your business reach its goals.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $67,999,478, we continue to drive economic growth by financing new and expanding businesses. Our team at Battle Creek, MI is dedicated to providing personalized service and practical solutions tailored to your specific requirements. Let us partner with you on your journey to success. Visit us at 51 Michigan Ave W Battle Creek Mi 49017 or call us at (269) 968-9251 to learn more about how our business banking services can benefit you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car, our auto loans can help make your dream vehicle a reality. We understand that buying a car is a big decision, so we provide competitive rates and flexible terms to suit your budget. Our financing options ensure you get behind the wheel without breaking the bank.

Business Banking Services

For our business members, we provide specialized banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your business goals.

Convenient Online & Mobile Banking

Managing your finances has never been easier thanks to our online and mobile banking features. Check balances, transfer money, pay bills, and even deposit checks right from your phone or computer anytime and anywhere. Plus, our ATM services offer basic access like withdrawals and balance checks when you're on the go. At Kellogg Community, we're committed to making your banking experience as convenient as possible. If you'd like more information about any of our services or if you're ready to open an account, give us a call at 269-968-9251 or visit us today! Your financial future starts here.

Credit Cards with Rewards

Enjoy shopping and earn rewards while doing it! Our credit cards come with benefits that make every purchase more rewarding. From cash back offers to points redeemable for travel or merchandise, there's something for everyone.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are here to support you every step of the way. Whether you're a first-time homebuyer or looking to refinance an existing loan for better rates, we have solutions that simplify the process and save you money.

Personal Banking Solutions

When it comes to managing your finances, our personal banking options are tailored just for you. We offer checking and savings accounts that help you keep track of your money while earning interest. Whether you're saving for a vacation or just want easy access to your funds, we have the right account for you.

Personal Loans & Debt Consolidation

For those unexpected expenses or if you're looking to consolidate debt, our personal loans offer quick access to cash when you need it most. We work with you to find a repayment plan that fits within your budget, helping ease financial stress.

Digital & Online Banking

Key Features

Our online banking platform, available at https://www.kccu4u.org/, allows you to check balances, transfer funds, and pay bills with just a few clicks. You'll love how simple it is to stay on top of your finances! Plus, with the option for e-statements, you can go paperless and access your financial statements whenever you need them all while helping the environment. For those who are always on the go, our mobile application offers a convenient way to manage your accounts from the palm of your hand. Whether you're making person-to-person transfers or using mobile payments to shop, everything is just a tap away. And if you ever need to sign documents digitally, our electronic signature authorization feature makes that hassle-free too.

Security and Convenience

We prioritize your security as much as we value convenience. Our platform uses advanced security measures to protect your personal information and transactions. You can bank confidently knowing that we have robust systems in place. By choosing Kellogg Community for your banking needs, you're opting for accessibility and ease-of-use. Real-time account management means you're always in control of your finances. Discover how our digital services can simplify your life today!

Financial Strength

Growing Together

The trust our members place in us is reflected by our growing member base with 110,397 total share accounts. This shows that more people are choosing Kellogg Community as their trusted partner in achieving their financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kellogg Community is your trusted partner. Visit us at 51 Michigan Ave W Battle Creek Mi 49017 or call 269-968-9251 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $267,302,822 in share certificates and $189,812,209 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident with a net income of $11,498,620, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 152 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Members

With $131,032,643 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $65,993,194 in total loans and leases including $5,679 in used auto loans.

Solid Foundation

With a net worth of $147,782,091, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.51% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $83,567,239 in used vehicle loans and $107,232,572 in new vehicle loans already helping members get on the road. We aim to make the car-buying process straightforward and stress-free.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $67,999,478 provide the capital needed to expand operations or invest in new initiatives. We are dedicated to supporting local businesses and fostering economic development within our community. If you're interested in any of these loan products or want more information about eligibility and refinancing options available at Kellogg Community Credit Union, visit us online or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

Credit Lines

For those who need extra flexibility with their finances, our total credit lines amount to $199,408,688. This service allows you to borrow as needed while only paying interest on what you use perfect for ongoing projects or emergencies.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $58,702,865, making buying or refinancing simple. We offer competitive rates and flexible terms to fit your budget. Plus, if you're considering refinancing your current mortgage, we have options available that could help reduce your monthly payments.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $18,870,441 in loans helping members manage their finances effectively. This option provides a convenient way to handle unexpected expenses while enjoying rewards on your purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. Each loan comparison reflects current rates and terms available in the market, allowing users to make informed choices without second-guessing the information provided.