Kalsee’s Employee Empowerment Program (KEEP)

Kalsee's Employee Empowerment Program (KEEP) Let us help you KEEP your employees. As a business, your #1 strength and responsibility is your people. And financially stable employees become a dependable workforce. We believe that everyone can achieve worry-free, healthy finances. And we’ll work with your team members as their financial partner and coach, [...]

2019-07-25T10:57:38-04:00July 24th, 2019|

Celebrating 65 years with Personal Loans as low as 6.50% APR!

Celebrating 65 years with Personal Loans as low as 6.50% APR!* Need a vacation? Have a home project? Looking to consolidate debt? In honor of our 65th anniversary, we're offering personal loans as low as 6.50% APR. Apply online *APR = Annual Percentage Rate. Some restrictions may apply. Approval subject to [...]

2019-06-20T14:42:07-04:00July 1st, 2019|

1% of Loan Amount Off Business Real Estate Loan Closing Costs

For a limited time, we’re offering borrowers up to 100 bps of your business real estate loan balance in a closing cost credit.* For example, a $500,000 loan would receive up to $5,000 in closing cost credits. We’ll invest in you. Literally.

2019-06-14T15:03:06-04:00June 14th, 2019|

Buying vs. Renting a Home: Are You Getting the Right Advice?

Buying vs. Renting a Home: Are You Getting the Right Advice? The average person moves residences about 11 times in their lifetime. That provides a lot of opportunity to confront the following question: is it better to own your home or to rent it? It’s a huge decision that [...]

2019-06-12T13:39:17-04:00June 12th, 2019|

Be the Kalamazoo Growlers Playball Kid!

Be the Kalamazoo Growlers Playball Kid! KALSEE is proud to support the Kalamazoo Growlers! Playball Kid: Give your kid the experience of a lifetime! Your son or daughter could be picked to kick off the next Growlers game by standing on the field and yelling "play ball!" into the microphone. You'll also get: [...]

2019-05-24T09:26:11-04:00May 1st, 2019|

The Dos and Don’ts of Debt Repayment

Consumer debt is an extremely contradictory part of our personal finances: it’s at once common and incredibly personal. According to numerous sources, the majority of US adults owe money in some way, shape or form—and yet what this consumer debt represents can vary drastically from person to person.

2019-05-28T10:39:53-04:00February 13th, 2019|

Kasasa Cash+

Kasasa Cash+ Free Rewards Checking Free! No monthly service fee. No minimum balance. 4.25% APY* on up to $25,000 and 0.35% APY* on the portion of your balance $25,000+. $25 a month in ATM fee refunds. Use the ATM most convenient for you, not us. Qualifying is easy. 24 debit card purchases per montheStatementsLogin to [...]

2019-02-26T11:23:05-04:00February 11th, 2019|

MoneyDesktop Discontinued

Unfortunately, our MoneyDesktop service is being discontinued. As of January 31st, we’ll no longer be offering the MoneyDesktop budgeting tool inside It’s Me 247 Online Banking or the MoneyMobile app. We’re so sorry to see it go and for your inconvenience. There are a number of other great options for budgeting apps out there. [...]

2019-01-14T16:58:53-04:00January 14th, 2019|

Cash in on Rewards from Love My Credit Union Rewards

Cash in on Rewards from Love My Credit Union Rewards This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for each new line you activate, up to 3 lines, when you switch to Sprint®. Here’s how it works: Members get a $100 cash [...]

2018-10-11T14:37:18-04:00September 20th, 2018|

When Is Social Security Income Taxable?

Social Security and Your Retirement When is Social Security income taxable? The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since [...]

2018-11-20T14:49:48-04:00August 24th, 2018|

Samsung Pay

Samsung Pay Spend with your KALSEE Visa credit card via your Samsung device! Samsung Pay works in-store, in-app, and online with the added security of your fingerprint, pin number, or iris scan and Samsung Knox tokenization. Accepted at merchants where you see either of these icons: Download the Samsung Pay app [...]

2018-08-06T14:34:50-04:00August 6th, 2018|

7 Tips for Tracking Down Your Dream Career

7 Tips for Tracking Down Your Dream Career Choosing a career is tough Whether you’re a new grad or considering a career change, it’s easy to feel overwhelmed when tasked with selecting your next gig. And why shouldn’t it? It’s an enormously costly decision, in terms of both time [...]

2019-05-28T10:43:05-04:00June 7th, 2018|

Smart Strategies for Investing in a CD or Money Market

Smart Strategies for Investing in a CD or Money Market Reflective of market trends, CD and Money Market rates are on the rise. While not at the levels that you or your parents may have cashed in on during the 80s, these investments still offer a solid savings strategy and [...]

2019-03-22T16:02:27-04:00June 6th, 2018|

Rethinking Diversification

Rethinking Diversification In today's volatile market, retirement savers face new challenges. Traditional portfolio diversification may no longer be the answer to growing your savings without the risk of losing it all. Luckily, there are new ways to manage investment risk. Join us for a no-cost, no-obligation informational seminar that can [...]

2018-05-30T15:16:58-04:00May 30th, 2018|

Kids & Money: It’s never too early to start teaching kids the “money” facts of life

Kids and Money It’s never too early to start teaching kids the “money” facts of life. April 24th is Teach Children to Save Day! Being a parent can be a tad overwhelming at times. But taking just a few minutes every day, you can foster solid money management skills in your children. [...]

2018-04-23T14:42:50-04:00April 23rd, 2018|

Download our FREE Home Buying Guide!

Download our FREE Home Buying Guide! Purchasing a home is an emotional journey. After all, you're not just buying a house. You're investing in family dinners, lazy Sunday mornings in bed, and a yard built for backyard barbecues on sunny summer afternoons. No pressure, right? Buying a home doesn't have to be scary. [...]

2018-04-20T11:56:39-04:00April 20th, 2018|

Overdraft Options

Overdraft Options KALSEE offers several options for payment of overdrafted checking account items: Courtesy Pay Whether you need a little help when money is tight or the reassurance that we’ve got you covered in case of an error in your budgeting, Courtesy Pay allows us to honor your check, ACH, and electronic [...]

2018-01-31T10:48:59-04:00October 20th, 2017|

5 Good Money Habits to Boost Your Retirement Savings

5 Good Money Habits to Boost Your Retirement Savings [Infographic correction 11/7/17] Think back to your most recent savings goal. How long did you have to save in order to reach it? Was it a concert ticket or some new shoes that took a few weeks of budgeting? Was [...]

2019-05-28T10:45:20-04:00September 29th, 2017|

Equifax Data Breach

Equifax Data Breach On September 7th, 2017, credit rating firm Equifax revealed that they had discovered a data breach. As many as 143 million Americans may have had their personal information compromised as a result, including name, credit card, social security number, date of birth, home address, and drivers license number. KALSEE recommends [...]

2018-01-10T14:09:07-04:00September 11th, 2017|

When Buying a Used Car Privately, Beware of Curbstoning

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-28T10:45:52-04:00July 31st, 2017|

Advisor Saundra Ivy Named Fast Start Award Winner

Advisor Saundra Ivy Named Fast Start Award Winner Saundra Ivy, a financial advisor with KALSEE Retirement & Investment Services located at KALSEE Credit Union, has been named a Fast Start Award winner – a recognition presented by CUNA Brokerage Services, Inc. (CBSI) which honors new advisors for their superior performance after attending new advisor [...]

2018-02-02T11:25:17-04:00July 31st, 2017|

Kalamazoo Building Trades Credit Union Merges with KALSEE

Kalamazoo Building Trades Credit Union Merges with KALSEE At this year’s annual meeting, members of Kalamazoo Building Trades Credit Union (KBTCU) voted to merge with KALSEE Credit Union. A small credit union with $2.8 million in assets, KBTCU leadership and members made the decision to merge to provide expanded services to their membership. [...]

2018-01-10T14:14:40-04:00July 3rd, 2017|

The Secret History of the Wall Street Bull

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-28T10:53:13-04:00June 1st, 2017|

Ending CO-OP Shared Branch Services at Westnedge and Stadium Offices

Ending CO-OP Shared Branch Services at Westnedge and Stadium Offices As of June 1st, 2017, KALSEE will no longer offer CO-OP Shared Branch (CU Service Centers) services at our Westnedge and Stadium Drive locations. For a list of alternative service locations, please visit the CO-OP website. KALSEE will continue to offer service to [...]

2018-03-05T11:03:15-04:00May 1st, 2017|

5 Ways to Lower the Cost of Tuition

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-28T10:53:43-04:00March 31st, 2017|

The Challenges of Choosing a Career

When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s “good” and what’s “bad.” Aside from the obvious examples, the guidelines are a bit murky; plus, the financial advice gurus often contradict each other.

2019-05-24T17:00:14-04:00March 1st, 2017|

Fake Checks

Fake Checks   And what to look for when you’ve "won the prize, lottery, or earned some easy money." Check scams continue to get the best of their unsuspecting victims. Consumer.ftc.gov, the website for the FTC (Federal Trade Commission), works to prevent fraudulent, deceptive, and unfair business practices in the marketplace. The [...]

2019-04-02T14:02:37-04:00February 24th, 2017|

Aspire Financial Counseling

Aspire Financial Counseling   You matter, and we can help. Our mission is to help you gain personal financial success. If you’re struggling with financial hardships, you’re not alone. We're here for you. With KALSEE’s confidential Aspire Financial Counseling program, we’ll help you gain control of your finances through [...]

2019-09-04T10:39:27-04:00February 15th, 2017|

Use Psychology to Build a Budget You’ll Stick With

When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s “good” and what’s “bad.” Aside from the obvious examples, the guidelines are a bit murky; plus, the financial advice gurus often contradict each other.

2019-05-24T17:01:44-04:00February 6th, 2017|

Important Facts About U.S. Currency

Important Facts About U.S. Currency   And how to recognize counterfeit bills Counterfeit money has been around since bills were first exchanged for payment. And from a crook’s perspective, what better way to line the proverbial pocket? But as a consumer, it is important to be aware of counterfeit money and recognize [...]

2019-04-02T13:59:27-04:00January 6th, 2017|

Money Mobile

Money Mobile MoneyMobile - a powerful and engaging financial mobile app that will change the way you feel about financial management. MoneyMobile's award winning design makes managing money not only easier and more convenient - but a lot more enjoyable and exciting as well. Manage your finances in MoneyDesktop in It's Me 247 [...]

2018-01-03T11:10:02-04:00December 9th, 2016|

Keep or Toss: How Long Should I Hang Onto My Financial Documents?

Picture this scenario: you’re steering your shopping cart through the sliding doors of the supermarket, shopping list in hand. As you walk the aisles, there’s a strategy you can use to save an average of 33% on your entire purchase!

2019-05-28T16:21:47-04:00December 3rd, 2016|

Four Questions to Ask Yourself Before Signing a Mortgage

Picture this scenario: you’re steering your shopping cart through the sliding doors of the supermarket, shopping list in hand. As you walk the aisles, there’s a strategy you can use to save an average of 33% on your entire purchase!

2019-05-28T16:22:43-04:00November 1st, 2016|

Manage Your Money

Manage Your Money MoneyDesktop Control your money. Don't let it control you. MoneyDesktop is an online money management tool, integrated into It's Me 247 Online Banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization and mobile access are just a few of the tools [...]

2019-01-03T09:22:48-04:00October 3rd, 2016|

How to Counter the Effects of Inflation

When most people think of inflation, their response is usually similar to when they see a vintage advertisement: reminiscing about the cheaper prices of the past (15 cents for a burger? Awesome!) while simultaneously feeling some resentment towards today’s ever-rising prices.

2019-05-28T16:25:17-04:00August 1st, 2016|

Apple Pay

Apple Pay Pay with a single touch Use Apple Pay™ and your KALSEE Visa credit card to pay the easy, secure and private way at hundreds of thousands of stores and participating apps. See a complete list of merchants at apple.com/apple-pay. A secure way to pay Rest [...]

2019-05-28T16:54:03-04:00May 26th, 2016|

Protect Older People From Fraud

Protect Older People From Fraud The National Credit Union Administration (NCUA) offers many resources aimed at helping older Americans protect themselves from fraud and manage their finances. NCUA's Pocket Cents - financial literacy website with a section on issues older Americans face MyCreditUnion.gov - website with tips for handling personal finance and protecting [...]

2018-01-29T09:56:33-04:00May 20th, 2016|

Summer Starts Here

Summer Starts Here KALSEE Boat & Recreational Vehicle Loans Start your summer off right with an affordable, easy boat or recreational vehicle loan from KALSEE! It's as simple as asking for KALSEE financing at D&R Sports Center. Or apply online to get pre-approved. No application fee! You can also use our easy loan calculator to [...]

2018-03-19T11:31:57-04:00March 25th, 2016|

Living On Your Own And “Bill Time”

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2019-05-28T16:30:18-04:00February 1st, 2016|

To Lease or To Finance: That is the Question!

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2019-05-28T16:31:01-04:00January 3rd, 2016|

Emergency Fund Boot Camp

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2019-05-28T16:31:44-04:00November 30th, 2015|

Why Is It Called A Credit Union?

While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood and unknown to many. Credit union is an unusual term, isn’t it? Is it just another name for a bank? Is it a credit card company? Do I have to be in a union to join?

2019-05-28T16:33:53-04:00September 30th, 2015|

Phishing Scam: Disconnect Suspicious Calls

Phishing Scam: Disconnect Suspicious Calls Members of other credit unions have recently been targeted in a phone phishing scam in which they receive a call with a prerecorded message from "MasterCard" falsely claiming that their debit card has been compromised, and to press "1" to reactivate the card by entering the card number. These [...]

2018-01-03T13:57:08-04:00August 18th, 2015|

Ways to Make a Loan Payment

Ways to Make a Loan Payment We offer several convenient ways to make a loan payment. Pick from the options below. (KALSEE does not send payment books for loans.) Transfer funds from your KALSEE checking or savings: Register for online banking, then call us at 269.382.7800 to have your temporary password activated. Once you've [...]

2019-05-28T17:06:20-04:00July 23rd, 2015|

Merchant Services

Easy credit and debit payment options for your customers are no longer optional but vital to the success of your business. Let us help handle your payment technology, freeing you to focus on your clients. Through our partnership with the Michigan Retailers Association, we offer card terminals and point-of-sale systems that support EMV chip cards, Apple Pay, Samsung Pay, Google Wallet, and more!

2019-06-14T15:29:21-04:00June 24th, 2015|

Choosing Your Financial Institution

Choosing Your Financial Institution As you contemplate moving beyond your piggy bank, the two types of financial institutions that you're most likely to deal with are banks and credit unions.  They offer essentially the same products and services, including savings and checking accounts, credit cards, auto loans, mortgages, and [...]

2019-05-28T16:39:55-04:00April 1st, 2015|