KCCU is a member-owned financial institution providing friendly, competent, and competitive financial services in the greater Grand Rapids area and throughout West Michigan. Our vision is to provide financial opportunity, choice, and lifelong value to our members and our community. KCCU offers a variety of loans at great, low rates, including mortgages, home equity, auto, boat, recreational vehicles, personal loans and credit cards. All loans are closed and serviced locally. Enjoy free savings and checking accounts, as well as certificates, IRA's, HSAs and money market accounts, which earn a higher rate of interest.