Kellogg Community Credit Union Three Rivers MI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Kellogg Community at our Three Rivers Branch, located at 915 W Michigan Ave, Three Rivers, MI 49093. Since our establishment in 1941, we have proudly served our community with a commitment to providing personalized financial solutions that make a real difference in our members' lives. With a total membership of 49,062, we understand the unique needs of our community and strive to meet them through tailored services. At Kellogg Community, we believe in the power of local banking. With total assets amounting to an impressive $893,700,448 and total deposits reaching $92,471,496, we are well-equipped to support you with a range of financial products including auto loans, mortgages, and personal loans. Our dedicated team has facilitated over 32,501 loans and leases, ensuring that our members have access to the funds they need when they need them. Led by CEO Tracy Miller and Board President Henry Pat Rolfe, our team is committed to fostering trust and transparency. We pride ourselves on being more than just a credit union; we are your partners in achieving financial success. Whether you need help with budgeting or planning for your future, we're here for you every step of the way. While members can visit us at our Three Rivers location for friendly service and expert advice, please note that official correspondence should be sent to our mailing address: PO Box 140, Battle Creek, MI 49016. We invite you to explore all that Kellogg Community has to offer. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. For any inquiries or assistance, feel free to call us at 269-279-7444 or visit our website at kelloggccu.org. Join us today and experience the difference of community-focused banking!

Branch History & Mission

At Kellogg Community, our journey began in 1941, rooted in the heart of Three Rivers, MI. Since our doors first opened at 915 W Michigan Ave, we have been dedicated to serving our members with integrity and commitment. Over the decades, we have grown from a small community credit union into a trusted financial partner for over 49,000 members. Today, we proudly manage total assets exceeding $893 million, reflecting our strength and stability in providing essential financial services. Our mission is simple yet powerful: to enhance the financial well-being of our members while actively supporting the communities we serve. We believe that everyone deserves access to quality financial products and services that empower them to achieve their goals. Whether it's helping families secure auto loans or offering tools for personal banking, we strive to make a meaningful impact on each member's life. While members can visit us at 915 W Michigan Ave Three Rivers Mi 49093, official correspondence should be sent to PO Box 140, Battle Creek, MI 49016. Our branch is conveniently located near local landmarks, making it easy for you to drop by and speak with our friendly staff about your financial needs. At Kellogg Community, we are not just about transactions; we are about building relationships. We understand the importance of community support and have established various outreach programs aimed at improving lives and enhancing local initiatives. Our dedication extends beyond banking; we actively participate in events that uplift our neighborhoods and foster a sense of belonging among our members. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we embrace technology to offer online and mobile banking options that fit modern lifestyles. With features like mobile payments and electronic statements, managing your finances has never been easier or more accessible. Your safety is paramount to us. We ensure ADA compliance across all facilities and take pride in offering drive-thru banking options for added convenience. Our ATM is available for quick cash withdrawals whenever you need it. As we look ahead, Kellogg Community remains committed to innovation and excellence in service. We invite you to join us on this journey experience the benefits of membership today! Call us at (269) 279-7444 or visit our website at Kellogg Community to learn more about how we can support your financial goals together.

Branch Location & Accessibility

Convenient Access

Our branch is situated near several local landmarks, making it a familiar stop for many. You can easily visit us after enjoying a day at Scidmore Park or while running errands in the area. We offer ample parking space right outside our doors, ensuring that your visit is hassle-free. Plus, our facility is fully ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services comfortably.

Operating Hours

Kellogg Community's Three Rivers Branch operates Monday through Friday from 9:00 AM to 5:00 PM. We strive to accommodate your busy schedule, providing convenient hours for all your banking needs.

Services Offered

Inside, you'll find a range of services tailored to help you manage your finances effectively. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we have you covered. Our drive-thru service allows you to make deposits and withdrawals without leaving your car, and our ATM is available for quick cash access whenever you need it. If you require further assistance or want to know more about what we offer, please feel free to give us a call at 269-279-7444. Our friendly team is ready to help! While members can visit us at 915 W Michigan Ave, official correspondence should be sent to PO Box 140, Battle Creek, MI 49016. We look forward to welcoming you soon!

Member Eligibility

At Kellogg Community, we believe that joining our credit union is like stepping into a warm and welcoming family. Becoming a member is easy and open to many! If you live, work, worship, or attend school in the Three Rivers area, you're likely eligible to join us. We want to make sure that everyone feels included, so even if you have family members who are already part of our community, you can also become a member. This means you'll enjoy all the benefits of our services tailored just for you. To learn more about the specific eligibility requirements, check out our detailed page at http://www.kccu4u.org/about-us/membership-eligibility. When you're ready to take the next step toward membership at Kellogg Community, opening an account is straightforward! You can apply online anytime by visiting this link. If you have any questions or need assistance during the process, don't hesitate to give us a call at (269) 279-7444. Our friendly staff is here to help you every step of the way!

Business Banking & Commercial Services

Loan Options Tailored for Growth

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. - We also support the broader business community with $47 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $67,999,478, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services that simplify payment processing. Imagine a retail shop that can now accept card payments easily through our reliable systems. This means faster sales and happier customers! Our services are designed to help you focus on what you do best while we handle the financial details. Visit us at 915 W Michigan Ave Three Rivers Mi 49093 in Three Rivers, MI, or call us at (269) 279-7444 to learn how we can partner with you on your business journey.

Comprehensive List Of Services

Business Banking Services

For our members who run businesses, we offer business banking solutions including merchant services and business loans designed to help you thrive. We recognize the challenges small businesses face, and our team is here to assist you with tailored financial advice and services.

Convenient Digital Banking

In today's fast-paced world, managing your finances on the go is essential. At Three Rivers Branch, we provide robust online and mobile banking services that allow you to check balances, pay bills, transfer funds, and more all from the comfort of your home or while out running errands. Our ATM and cash withdrawal services ensure you have access to your cash whenever needed. With features like person-to-person payments and electronic signatures for added security, managing your money has never been easier. For those who prefer in-person transactions, our drive-thru service offers a quick way to handle deposits, withdrawals, and other simple transactions without leaving your vehicle.

Join Us Today!

We invite you to experience the exceptional service at Kellogg Community where we're committed to meeting all of your financial needs. To learn more about how we can assist you or if you're ready to open an account today, please give us a call at (269) 279-7444 or visit us online at https://www.kccu4u.org/. Let us be part of your financial journey!

Personal Banking Solutions

We offer a variety of personal banking options tailored for individuals and families. You can open checking and savings accounts that fit your lifestyle, giving you easy access to your funds while earning interest on your savings. If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing solutions make it easier than ever to get behind the wheel. We also provide mortgage loans and refinancing options, ensuring that you can find the right terms for your dream home. For those looking to consolidate debt or cover unexpected expenses, our personal loans offer flexible terms that can help ease financial burdens. Plus, with our credit cards featuring rewards programs, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

With features like electronic signature authorization, signing documents is quick and hassle-free. No more printing or mailing forms just sign electronically and you're good to go! If you prefer paperless options, we also offer e-statements. This way, you can easily track your financial activity while keeping everything organized. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send cash directly from your account in just a few taps. And if you're someone who loves the convenience of mobile payments, rest assured that we support this feature too!

Security and Ease-of-Use

At Kellogg Community, we prioritize your security. Our online banking platform uses advanced encryption technology to keep your personal information safe. You can rest easy knowing that your data is protected while you manage your finances online. Overall, our digital banking services are designed with you in mind. Whether you're at home or on the go, you'll find that accessing and managing your accounts has never been easier or more secure. Join us today at https://www.kccu4u.org/ and experience the convenience of digital banking with Kellogg Community!

Financial Strength

Commitment to Growth

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 ability to lend is robust; with $56,679 in used auto loans and a total of $659,931,944 in loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

Total Share Accounts stand at 110,397, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments (Net Shares) amount to $3,636,757, highlighting our capability to meet your needs effectively. 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 915 W Michigan Ave Three Rivers Mi 49093 or call 269-279-7444 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive net income of $11,498,620 reflects our operational efficiency, 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.

Secure Savings Options

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.

Strong Financial Position

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 provide competitive rates and flexible terms to ensure you find an option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $67,999,478 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business operations, we have tailored solutions just for you. If you're interested in any of these loan products or want to learn more about refinancing options available at our branch located at 915 W Michigan Ave Three Rivers MI 49093, feel free to contact us at 269-279-7444. 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're committed to helping you navigate your financial journey with confidence!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $58,702,865, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your current mortgage, our team is here to guide you through the process.

Unsecured Credit Cards

Managing day-to-day expenses can be easier with our unsecured credit card loans. We 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 can be great for those looking for short-term financing solutions.

Loan Aggregator

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KELLOGG COMMUNITY CREDIT UNION - Three Rivers, MI

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