We think Credit Unions deserve more than just a day to be celebrated, so this year we are going to celebrate International Credit Union Day all month long! AND because we wouldn’t be us without you, that means we are going to make it rain on you*!

 

Kellogg Credit Union is celebrating YOU with cash, perks, and prizes all month long. Here’s how you can join the fun:

Auto Loan Bonus
Bring your auto loan to Kellogg Credit Union and get:

• Up to $150 cash bonus
• 90 days no payments

Double the Referral
Normally, you earn $50 when you refer a new member.
This October, it’s doubled!

• Earn $100 for each new member referral.

Checking Account Reward
Open a new checking account + set up direct deposit ($500/month or more).

• Get $100 after 3 months of deposits.

Teen Checking Match
Help your teen start strong!

• We’ll match their first payroll deposit up to $100.

More Ways to Earn $10
This October, earn $10 each when you complete any of these:

• Enroll in eStatements
• Open an extra share account
• Activate Round Up savings
• Sign up for and make your first mobile deposit

 

Do one, two, or all of them—the more you do, the more it rains rewards!

 

*Full Terms

Promotional Period
Offer valid on applications submitted between October 1, 2025 and October 31, 2025. Loan funding and account openings must be completed by October 31, 2025 to qualify.

Auto Loan Refinance or Purchase Offer
Members who refinance a vehicle loan from another lender or finance a new purchase with KMFCU during the promotional period can earn cash back and enjoy 90 days with no payments. Cash back is tiered by loan amount: $50 for $10,000–$24,999, $100 for $25,000–$49,999, and $150 for $50,000 or more, deposited into the member’s account after funding. Applications must be submitted online and reference the offer. The no payment option does not apply to existing KMFCU loans, and interest accrues from the disbursement date. All loans are subject to credit approval; rates and terms depend on creditworthiness and membership eligibility. Rates are as low as 4.74% APR, or 4.49% APR with auto pay and eStatements. For example, a $20,000 loan at 4.49% APR for 36 months has a monthly payment of $594.83. You must mention International Credit Union Month and apply online to receive the bonus.

New Checking Account Bonus
Members who open a new personal checking account with KMFCU and establish a qualifying direct deposit of at least $500 per month will receive a $100 bonus. The bonus will be deposited into the member’s primary share account after three consecutive calendar months of eligible direct deposits. The third monthly deposit must post to the account by January 31st, 2026. Accounts must remain open and in good standing at the time of payout. Offer valid only for members without an open checking account. Contact the Credit Union and mention International Credit Union Month when you have met the criteria to claim your bonus.

Teen Checking Deposit Match Offer
New teen checking accounts opened for members between the ages of 13 and 17 are eligible for a special bonus. KMFCU will match the first payroll direct deposit up to $100, provided the direct deposit is received by November 30, 2025 and includes the teen’s name on the payroll deposit. The bonus will be deposited into the teen’s primary share account within 30 days of the eligible deposit. Contact the Credit Union and mention International Credit Union Month when you have met the criteria to claim your bonus.

Referral Bonus
During the promotional period, members will earn a $100 bonus for each new member they refer. New member must open a checking account with Direct Deposit or get a new loan to be eligible for the referral bonus. All loans subject to credit approval. New member cannot live in the same household as the referring member. The referring member must be in good standing, and the new member must meet membership eligibility and open a new account during October 2025. Bonuses will be deposited into the referring member’s primary share account within 30 days of qualifying. Contact the Credit Union and mention International Credit Union Month when you have met the criteria to claim your bonus.

$10 Account Bonus:
Earn $10 for each new qualifying service you complete: enrolling in eStatements, opening an additional share account, activating Round Up savings, or sign up for and make your first mobile deposit of at least $100. Services must be new to you and are optional—not required to maintain your account. Eligibility may vary. Bonuses will be deposited to your primary share within 30 days of verification. Contact the Credit Union and mention International Credit Union Month when you have met the criteria to claim your bonus.

Additional Terms
Offers cannot be combined with any other promotion unless otherwise stated. Membership eligibility is required. KMFCU reserves the right to modify or terminate the promotion at any time without notice. Contact the Credit Union and mention International Credit Union Month when you have met the criteria to claim your bonus. The amount deposited will be a bonus dividend to your account with KMFCU and will be tax reportable on Form 1099-INT. Other restrictions may apply. Offer subject to change. Federally insured by NCUA.