About KCCU

When it all started

In January 1956, a group of Kent County Employees pooled resources and started Kent County Employees Credit Union. At that time, anyone who worked for Kent County or had a blood relative that was already a member could join the credit union. Kent County Employees Credit Union was given approval to operate by the Financial Institutions Bureau, State of Michigan in 1956. The founding group chose seven members to create the first Board of Directors. Committees were also formed shortly thereafter. The first paid manager was Clarence Johnston. He served as manager until the early 1980s at which time he retired.

In 2003, Kent County Employees Credit Union’s board of directors made the decision to open up membership to anyone who lives, works, worships or attends post high school institutions in Kent County. In 2004, the word Employees was removed from the credit union’s name to better reflect the membership in which we serve. Both of these events were approved by the State of Michigan’s Office of Financial and Insurance Services which has become the Office of Financial and Insurance Regulation.

old photo of Grand Rapids

Kent County Credit Union is regulated by two main governmental bodies, but each of these work in conjunction with various other governmental entities. The first is the State of Michigan’s Department of Insurance and Financial Services. The DIFS has direct oversight of regulating state chartered credit unions in Michigan, of which Kent County Credit Union is one. The second is the National Credit Union Administration which regulates all Federally chartered credit unions in the United States of America as well as all credit unions which have the NCUIF (National Credit Union Insurance Fund) that insures member’s deposits. The insurance fund is 100% funded by credit unions and is one of the strongest governmental insurance bodies.


Today, Kent County Credit Union has two offices in Kent County to serve more than 6,000 members. We are also part of a vast shared branch network which allows members of our credit union to transact business on their accounts at various other credit unions or service centers, state wide and nationally. As part of the Co-Op Network our members have access to over 30,000 ATMs nationwide With services such as online banking, telephone banking, shared branch networks, ATMs, debit cards, and so much more, we can serve our members where ever life may take them today and in the future.

Members are our owners, and each member owns a share in the credit union. That share allows every member the opportunity to vote for directors, by-law changes and various other events. It also means that every member shares in the progress we make often seen in the form of lower loan rates and competitive savings rates. Our Board of Directors, elected by the members at the Annual Meeting, serve without any form of pay. They are volunteers that give of their time so that all of the members have the opportunity to benefit. Directors set the policies the credit union operates by and hires a CEO to carry out those policies. Directors are not involved in day to day operation, however the CEO does provide regular monthly updates to directors on the operation.

Hand in hand, we all work to provide a safe, secure, professional operation that provides the needed financial products and services that help our members prosper. We are stronger together, and together we build a future. Membership is so much more than just a loan or savings account, we invite you to explore all that is available to you. Apply for Membership today, just click here to get started.

Our Mission:

To provide financial solutions in a personal and professional manner.

Our Vision:

To reach, serve and educate our financial family.

Our Value Statement:

Building Relationships for Life, while serving Kent County one member at a time.

Supporting our nation, our state and our local community, we are proud to have the following affiliations:

Local Governmental Agencies

(County and City links for the local cities)