# Kellogg Community Credit Union CD and share certificate rates

As of October 23, 2026, Kellogg Community Credit Union's highest tracked CD (share certificate) rate is 4.55% APY on a 5-month relationship CD ($50,000 minimum). That is 3.3 times the FDIC national average for 6-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/kellogg-community-credit-union
Institution: Kellogg Community Credit Union (NCUA 68678)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:56.000Z (October 23, 2026)
Official source: https://www.kccu4u.org/personal/bank/savings-rates
Coverage: Membership required. Advertised certificate APYs include a 0.25 percentage-point bonus redeemed with 20,000 VIP Lifetime Reward Points. Members without enough points receive a lower rate. Separate balance tiers begin at $500 and $50,000. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 Month Certificate | relationship | 5 months | $50,000 | 4.55% | Not ZIP-priced | +0.21% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 5 Month Certificate | relationship | 5 months | $500 | 4.45% | Not ZIP-priced | +0.11% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 6 Month Certificate | relationship | 6 months | $50,000 | 1.85% | Not ZIP-priced | −2.49% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 6 Month Certificate | relationship | 6 months | $500 | 1.75% | Not ZIP-priced | −2.59% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 1 Year Certificate | relationship | 12 months | $50,000 | 2.10% | Not ZIP-priced | −2.36% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 1 Year Certificate | relationship | 12 months | $500 | 2.00% | Not ZIP-priced | −2.46% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 14 Month Certificate | relationship | 14 months | $50,000 | 4.35% | Not ZIP-priced | −0.15% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 14 Month Certificate | relationship | 14 months | $500 | 4.25% | Not ZIP-priced | −0.25% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 2 Year Certificate | relationship | 24 months | $50,000 | 2.35% | Not ZIP-priced | −2.35% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 2 Year Certificate | relationship | 24 months | $500 | 2.25% | Not ZIP-priced | −2.45% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 3 Year Certificate | relationship | 36 months | $50,000 | 2.85% | Not ZIP-priced | −1.93% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 3 Year Certificate | relationship | 36 months | $500 | 2.75% | Not ZIP-priced | −2.03% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 4 Year Certificate | relationship | 48 months | $50,000 | 3.10% | Not ZIP-priced | −1.71% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 4 Year Certificate | relationship | 48 months | $500 | 3.00% | Not ZIP-priced | −1.81% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 5 Year Certificate | relationship | 60 months | $50,000 | 3.25% | Not ZIP-priced | −1.59% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |
| 5 Year Certificate | relationship | 60 months | $500 | 3.00% | Not ZIP-priced | −1.84% | 2026-10-23T11:33:56.000Z | [Snapshot 1013](https://apyledger.com/snapshots/1013) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.