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News and Announcements Dear Valued Members, This year, KCCU is celebrating an incredible milestone—85 years of serving our members and strengthening our community. It’s a moment filled with pride, gratitude, and excitement for what’s ahead. We’re thrilled to share a major step forward in our journey: KCCU has invested in land at 3160 Watkins Road in Battle Creek to build a new corporate office. For nearly 40 years, our corporate office, originally built in 1986, has been the home to our administrative and operational team and the place where so much of our growth and service innovation began. It has supported our credit union, team, and members through decades of expansion and change. Looking back 40 years we are proud to have steady growth. When our current office was built, we had $51 million in assets and 13,000 members. Today we serve over 55,000 members and have nearly $1 billion in assets. Why We’re Investing This isn’t just about a building—it’s about our future. It’s a powerful reflection of KCCU’s unwavering commitment to you – our members, to our dedicated team, and to the community we are honored to serve every single day. This investment represents the next evolution of how we serve our members—rooted in the same values that have guided us since the beginning in 1941. Honoring our Past, Building our Future From our early days in the Battle Creek Kellogg Company plant to our current corporate office, each chapter in KCCU’s story has been shaped by a commitment to service, community, and progress. As a member-owned institution, every step we take is guided by our shared values and vision. This new corporate office is a strategic investment in our future, positioning us for sustainable growth, deeper relationships, and continued excellence in service. Thank you for being a member of KCCU and for being part of this journey. Sincerely, Tracy Miller Pat Rolfe Kellogg Community Credit Union (KCCU) successfully concluded its annual holiday toy drive, helping ensure local children could experience the joy and excitement of the holidays. This year marked the 23rd consecutive year KCCU has proudly supported children in need through this meaningful tradition. KCCU collaborated with the Salvation Army's Angel Tree program at its Battle Creek, Kalamazoo, and Grand Rapids branches. The Three Rivers branch and Schoolcraft branch partnered with the St. Joseph County United Way to support local foster children, while the Marshall branch worked alongside There's Enough. Thanks to the incredible generosity of KCCU members and staff, more than 800 toys were collected. These donations will make a lasting difference for many families and bring holiday cheer to children throughout the communities KCCU serves. "The holidays are truly a magical time for children, but for many families, this season can also bring financial stress," said Tracy Miller, CEO of KCCU. "That's why this toy drive is so important to us - it allows us to come together as a credit union and as a community to help ensure every child can experience the joy and excitement of the season, while giving financial relief to those who need it most. Seeing the generosity of our members, team, and community partners year after year is incredibly heartwarming, and we are deeply grateful to everyone who helped make the holidays brighter for so many local children and families." ### Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full-service financial institution serving people who live, work, worship, or attend school in the state of Michigan. With $951 million in assets, KCCU proudly serves over 55,000 members in Michigan, with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers. A community leader since 1941, KCCU consistently outperforms other financial institutions with outstanding service satisfaction ratings and a long history of growth. For more information, please visit www.kccu4u.org. Connect with KCCU on Facebook, Instagram, and LinkedIn. KCCU is proud to announce they have been honoured for the third consecutive year as one of America's Best Credit Unions in 2026 by Newsweek, placing them in the top 500 credit unions in the nation! This award recognizes KCCU's strong community impact and commitment to their vision of "providing financial opportunity, choice, and lifelong value to our members and our community." Newsweek, in partnership with the market research firm Plant-A Insights Group, assessed over 8,800 banks and credit unions, obtained feedback from 66,000 U.S. customers, and evaluated over 82 million online reviews. In their results, they spotlighted the top 500 credit unions in the United States on Newsweek.com, and KCCU is honored to be named on this list! Credit Unions were highlighted in their own category as being recognized that they were a financial cooperative owned by their members. Plant-A Insights Group based their assessment on factors of the financial institution's profitability, lending activity, overall financial health and stability, operational performance, and reputation. "We are honored and thrilled to receive the American's Best Credit Union award from Newsweek for the 3rd year in a row! This award reflects our unwavering commitment to delivering exceptional value and service to our members, so they are empowered to achieve their financial goals," said Tracy Miller, CEO of KCCU. "We are deeply grateful for the dedication of our team and the continued trust and loyalty of our outstanding members." "More than financial service providers, credit unions are community partners, showing up in neighborhoods, participating in local initiatives and helping strengthen the connections that bind their members together," said Jennifer H. Cunningham, Editor-in-Chief of Newsweek. You can find more detailed information on Newsweek's website, America's Best Regional Banks & Credit Unions 2026. ### Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full-service financial institution serving people who live, work, worship, or attend school in the state of Michigan. With $951 million in assets, KCCU proudly serves over 55,000 members in Michigan, with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers. A community leader since 1941, KCCU consistently outperforms other financial institutions with outstanding service satisfaction ratings and a long history of growth. For more information, please visit www.kccu4u.org. Connect with KCCU on Facebook, Instagram, and LinkedIn. Kellogg Community Credit Union (KCCU) is proud to kick off our annual toy drive, bringing joy to children who might otherwise go without a gift during the holidays. Now in its 23rd year, KCCU continues this heartwarming tradition of collecting toys and gifts for local children in need. This year, all KCCU branches are excited to support local organizations dedicated to bringing holiday joy to children of all ages - from infants to teens. We invite our members and the community to join us by donating new toys and games for kids up to 17 years old. For our teenage recipients, gift cards make a wonderful choice, giving them the chance to choose something special from their own wish list. Donations can be dropped off at any KCCU branch from November 10th through December 13th, 2025. Please remember to keep the donated gifts unwrapped. By contributing a gift, you can help brighten a child's holiday and bring the joy of the season to families across West Michigan! "At KCCU, the holiday season is a time to reflect on the importance of generosity and community," shared Tracy Miller, CEO of KCCU. "We are honored to once again host our annual toy drive, helping to bring joy and hope to children and teens during this special time of year. We invite our members and the broader community to join us in making a meaningful difference - together, we can help ensure the season is brighter for those who need it most." ### Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full-service financial institution serving people who live, work, worship, or attend school in the state of Michigan. With $925 million in assets, KCCU proudly serves over 54,000 members in Michigan, with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers. A community leader since 1941, KCCU consistently outperforms other financial institutions with outstanding service satisfaction ratings and a long history of growth. For more information, please visit www.kccu4u.org. Connect with KCCU on Facebook, Instagram, and LinkedIn.
On October 16th, we celebrate International Credit Union Day - a time to recognize the vital role credit unions play in supporting their communities and helping individuals achieve their financial goals. For 77 years, this day has honored credit unions for their commitment to people over profit, offering personalized service, financial empowerment, and genuine responsiveness to members' needs. As we mark the milestone anniversary, we acknowledge the impact credit unions continue to have across the country in advancing financial literacy, inclusion, and building stronger, more resilient communities. The idea of credit unions first began in Germany during the 1850s, where early models were created to provide various financial services to communities that were excluded from traditional banking systems. Pioneers such as Friedrich Willhelm Raiffeisen and Hermann Schulze-Delitzsch were a key part of creating cooperative financial institutions that accentuated self-help and community collaboration. These institutions went against the practice of usury and aimed to provide affordable loans to rural and urban populations. In North America, Alphonse Desjardins founded the first credit union in Canada called Caisse Populaire de Lévis in 1900. Consequently, this model inspired the first credit union in the United States, St. Mary's Cooperative Credit Association, in 1909, located in Manchester, New Hampshire. Desjardins sparked innovative groundwork for credit unions in America, further pushing for cooperative banking among local communities. Credit Unions began to flourish with the Federal Credit Union Act of 1934, which provided a legal framework for federal credit unions and granted access to operate across state lines. This legislation was a key component in expanding credit unions and further ensuring their reliability during economic hardships, such as the Great Depression. During the 20th Century, the seeds of credit unions blossomed from small, community-focused organizations into significant figures in the financial landscape, allowing them to serve millions of members. Credit unions became known for prioritizing their members by offering lower fees and better interest rates compared to traditional banks. Additionally, industrial unions contributed to the establishment of credit unions fitted for the financial needs of workers in various industries. You may be wondering what makes a credit union stand out compared to a bank. While they're both financial institutions, there are various components that set them apart. For starters, credit unions are non-profit institutions owned by their members, while banks are for-profit institutions owned by shareholders. This leads to a difference in services, fees, and interest rates. Since credit unions are owned by members, any profits are returned to members through lower fees and better interest rates on loans and savings accounts. Conversely, since banks are for-profit, either privately owned or publicly traded, they aim to maximize profits for their shareholders. This can lead to higher fees and lower interest rates on savings accounts. Furthermore, credit unions often emphasize community involvement and customer service, leading to a more personalized financial experience. Banks may also engage in community efforts, but their primary focus remains on profitability and shareholder returns. If you want to join the fun and celebrate International Credit Union Day, there are several ways to contribute your support: 1. Talk about your credit union experience: Share your stories and successes you've had with your credit union through word of mouth, social media, or online reviews. This will inspire others to explore what financial options they have. 2. Promote financial literacy: Support financial education through sharing knowledge and resources with others, especially the youth, to empower them with financial skills. 3. Join KCCU on October 16th at your favorite branch for Credit Union Day and grab some giveaway items and refreshments! We invite everyone to join us for this celebration, as it recognizes our team for their dedication as well as our members who inspire us to strive for community cooperation and financial well-being every day. We hope to see you there! Happy International Credit Union Day! Kellogg Community Credit Union (KCCU) is thrilled to announce the winners of its recent home equity promotion, OMG (Oh my gosh) My Home Equity Loan is Free? Raffle. The Raffle ran from June 1 - August 31, 2025. Everyone who opened a new fixed rate home equity loan or home equity line of credit of $20,000 or more were automatically entered into the drawing for a chance to have their loan paid off, up to $25,000. KCCU members, Melanie & Clint have been named the winners of the 2025 OMG! My Home Equity Loan is Free? Raffle! A celebration took place at KCCU's B Drive Branch in Battle Creek, where team members gathered to congratulate the long-time members. Melanie and Clint were stunned when they received the surprising news—and even more so when they saw the check made out in their name. "When the KCCU team called us to let us know we had won, we couldn't believe it happened to us," said Melanie. "It is a huge blessing for sure. To be able to pay off our loan sooner than expected is really exciting. We are so grateful to have won this!" She continued, "KCCU has always gone above and beyond for us to make our dreams come true. We've purchased homes that needed remodeling and presented challenges, and the lenders always got us what we needed when we needed it. KCCU has always been so good to us." "We always look forward to our 'OMG!' Raffle with great excitement," said Tracy Miller, CEO of KCCU. "It's incredibly rewarding to give one of our members up to $25,000 to put towards paying off their loan. Seeing their reaction when they walked through the doors to claim their prize was unforgettable. Moments like these truly remind us why we do what we do at KCCU. We're proud to support our members on their financial journeys and honored by the trust they place in us. Being able to make a meaningful difference in our members lives is what it's all about." To check out the video capturing the surprise, visit KCCU's website, www.kccu.org. Photo caption: Pictured are KCCU Team members celebrating with OMG! Raffle winners, Melanie and Clint, who are in the center holding the prize check. ### Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full-service financial institution serving people who live, work, worship, or attend school in the state of Michigan. With $931 million in assets, KCCU proudly serves over 54,000 members in Michigan, with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, Schoolcraft, and Three Rivers. A community leader since 1941, KCCU consistently outperforms other financial institutions with outstanding service satisfaction ratings and a long history of growth. For more information, please visit www.kccu4u.org. Connect with KCCU on Facebook, Instagram, and LinkedIn. Do you ever feel like managing your money is a full-time job? Between paying bills, remembering due dates, and waiting in line to deposit checks, it's easy to feel overwhelmed. Fortunately, there's a simple solution that can save you hours every month and reduce financial stress: automating your payments and deposits. Let’s break down how this works. Automatic payments and deposits are financial tools that allow money to move in and out of your account without you having to manually do anything each time. These systems use your bank routing number (a nine-digit number that identifies your bank) and account number (your personal bank account) to securely move money. With these two numbers, you can: · Set up direct deposit of your paycheck, government benefits, or other regularly scheduled deposits. · Quickly move money from payment systems such as Venmo, PayPal, Cash App, etc. to your account. · Authorize automatic bill payments for utilities, rent, loans, subscriptions, and more. Whether you want your paycheck to go directly into your account or have your gym or utility bill automatically deducted from your account, all you need is KCCU’s routing number and your full account number. KCCU’s routing number is 272476734. Our routing number can be found on multiple locations on our website, including in the footer, on the Contact Us page, and within online banking. Your full account number can be obtained by stopping into a branch or by conveniently accessing it within your secure online banking account. To view your full account number from online banking, follow these easy steps: 1. Log into online banking. 2. Go to the main “Account Summary” screen. 3. Find the account you want the account number for, then click on the three dots (…) to the right of your balance. 4. Select “Account Details” from the menu options. 5. On the next screen, click the “More Account Details” button and your full account number and the routing number will be in the “Account Information” section. Automating your finances might be the simplest way to buy back your time, reduce stress, and take control of your money. All it takes is a few pieces of information and a little setup time. Kellogg Community Credit Union (KCCU) will kick off its annual coat drive on September 15 to help the members of the communities they serve stay warm this winter. The coat drive will run until October 31, and items can be dropped off in the lobby at any KCCU branch location. Financial hardship can make it difficult for some families and individuals to ensure they are dressed properly this fall and winter, making this annual coat drive especially timely. KCCU knows their team, members, and the community will come together and show support for this worthy cause, as they have done for many years past. KCCU is committed to helping provide cold-weather gear for those who may need assistance, so they are collecting new and gently used coats, snow pants, hats, mittens, and scarves that are clean and in good condition, in all sizes from adults to infants and everything in between. The items collected will be distributed to local families in need by community partners. "KCCU is deeply committed to supporting the communities we serve in every way possible," said KCCU's CEO, Tracy Miller. "With the colder months just around the corner, we want to make sure everyone in our community has access to warm clothing. Our annual Coat Drive is one of the many ways we strive to give back and embody our 'people helping people' philosophy. Together with our incredible community partners, we're honored to make a positive difference for families and individuals who may need a little extra help as the cold weather approaches. A heartfelt thank you to everyone who donates and helps us make a lasting impact!" KCCU's vision statement includes, "providing opportunity and lifelong value to our members and our community." KCCU takes this statement seriously, and for the past twenty-one years, they have hosted a Coat Drive in partnership with community-based organizations as part of their commitment to their vision. ### Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full-service financial institution serving people who live, work, worship, or attend school in the state of Michigan. With $928 million in assets, KCCU proudly serves over 54,000 members in Michigan, with branches in Battle Creek, Marshall, Kalamazoo, Portage, Richland, Grand Rapids, and Three Rivers. A community leader since 1941, KCCU consistently outperforms other financial institutions with outstanding service satisfaction ratings and a long history of growth. For more information, please visit www.kccu4u.org. Connect with KCCU on Facebook, Instagram, and LinkedIn. KCCU is thrilled to announced that it has been recognized as one of America’s Best Regional Banks and Credit Unions 2025 by Newsweek and Plant-A Insights Group for the second year in a row. Newsweek and Plant-A Insights Group recognized top regional banks and credit unions in the United States, by conducting a large-scale study based on the analysis of over 9,000 institutions, more than 70,000 customer surveys and millions of social media reviews. This award recognizes KCCU’s community impact and commitment to the company’s vision of “providing financial opportunity, choice, and lifelong value to our members and our community.” Multiple factors were analyzed when compiling the list of the region’s best banks and credit unions, including simplicity of account management, minimization of account holder risk, enhanced transaction experience, and staff interaction. "It is truly affirming to our dedicated team and loyal members to be recognized as a top credit union for the second year in a row,” stated Tracy Miller, KCCU’s CEO. “We strive to provide our members with the best value and services possible to support them in their financial journeys. We wouldn’t have been granted this honor if it wasn’t for our members!" Global Editor in Chief for Newsweek, Nancy Cooper said, “Regional banks and credit unions are the financial backbone of communities nationwide as they support small businesses, fund local projects, and ensure easy access to essential banking services.” Cooper added, “Newsweek and market-data research firm Plant-A Insights are proud to introduce ‘America’s Best Regional Banks and Credit Unions 2025’, highlighting companies utilizing a community- and customer-centric approach to make a big financial impact in their neighborhoods.” Readers of the Battle Creek Shopper and community members voted KCCU as the Best of the Best for: "We are truly humbled and honored to be recognized by our members and the community in three amazing categories; Best Credit Union, Best Bank, and Best Mortgage Lender" said Tracy Miller, CEO of KCCU. "At KCCU, we don't just work here, we live in the communities we serve. We're your neighbors, your friends, and your biggest financial cheerleaders," she continued. "We see this recognition as a testament to the dedication of our incredible team and the trust and support of our members. It's our pleasure to provide the best financial solutions to help enrich the communities we serve." The Morning Star and The Recorder newspapers cover Eastern Calhoun and Jackson County. Readers from these areas voted KCCU as the "Best Bank/Credit Union." "It has been an absolute honor to receive such meaningful and positive feedback from our members and the community" said Tracy Miller, CEO of KCCU. "Our members are at the heart of everything we do, and this recognition means the world to us as it comes directly from the communities we are proud to serve. This award is a reflection of the strong relationships we've built together, and we are so grateful for the trust and support you have placed in us." Photo caption: Pictured from L-R: SWMI First Chamber Director, Clarence Lloyd; KCCU CEO, Tracy Miller; KCCU CCO, Amber Mallernee; KCCU VP of HR, Jessica Bissenden; SWMI First Chamber Membership & Events Coordinator, Kevin Crittenden; Chamber Ambassador, Rex Simpson, Owner of Hobby-Sports Kellogg Community Credit Union is thrilled and honored to announce that we have received the Best Workplace award for 2022 by the Southwest Michigan First Chamber! The 2022 Chamber’s Choice awards exist to partner with our community to recognize and celebrate the businesses and leaders that are making a huge impact in Kalamazoo County. There are currently (8) Chamber’s Choice awards and (10) Best of Kalamazoo County awards. One of the Best of Kalamazoo County award categories is Best Workplace which recognizes an organization that is a leader in workplace employee happiness, engagement, culture, retention, and attraction. Based on this description and after the votes were tabulated, Kellogg Community Credit Union received the highest total number of votes in this category! “The Southwest Michigan First Chamber is honored to celebrate the team at Kellogg Community Credit Union as the winner for the Best of Kalamazoo County – Best Workplace award for 2022,” stated Clarence Lloyd, Director, Southwest Michigan First Chamber. “There has never been a more critical time for companies to focus on building world-class employee culture and serving their business mission by first serving their teams. Congratulations to the team at KCCU for being awarded this community recognition.” “We feel truly honored to receive Southwest Michigan First’s 2022 Best of Kalamazoo County Award for Best Workplace!” said Amber Mallernee, KCCU’s CCO. “KCCU was nominated and selected by public vote, based on our workplace culture and engagement. We are incredibly grateful for our team, our members, and the community!” 
We’re building more than a building—we’re building a future, together.
CEO Board Chairman
History of Credit Unions
Credit Unions and Banks - The Difference
How to Celebrate International Credit Union Day
What are Automatic Payments and Deposits?
How to Set Up Automatic Payments and Deposits
Tips for Managing Automated Finances
Final Thoughts
KCCU named as one of America's best credit unions
KCCU was named "Best of the Best" in three categories by the community (Feb 2025).
KCCU was named "Best of the Best" by The Morning Star and The Recorder newspaper readers (Aug 2025)
KCCU receives Best Workplace award
October 14, 2022
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