CDs

Earn more on your savings with Kalsee’s Certificates of Deposit. Choose a term that fits your goals and enjoy guaranteed, competitive returns with peace of mind.

Looking to earn good interest on your savings?

Okay with the funds being held in a protected account (no withdrawals allowed until the account’s maturity date)? That’s a CD!

  • Minimum deposit of just $500.
  • Add-On CD option allows you to continue to deposit to the CD during its term.
  • Youth CDs available with a minimum deposit of just $100 and an add-on option.
  • Interest compounds quarterly.
  • Don’t worry, your funds are always yours. You can still redeem your CD early in an emergency.1
 
 
 

Add-On CDs

Looking to save for a down payment on a house? Your kids’ college education? The vacation of a lifetime? Add-On CDs (with an option to continue making deposits to your CD during its term) make great goal savings accounts.

  1. Decide when you want to hit your goal (your CD term) and how much you want to save.
  2. Use our online calculators or work with a Member Service Representative to decide how much you need to be saving each month to reach your goal in time.
  3. Set up automatic monthly transfers from your checking account to your #LifeGoals account via online banking or our mobile app so that you stay on track!

Not Your Grandma’s CD

While CDs may seem old fashioned, they’re a great option for safe, longer-term savings at a better interest rate than regular savings accounts. They also protect your funds so you’re less likely to get off track with your savings goals.


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CD Rates

 
6 months 2.50%   /   2.475%
 2.75%   /   2.725%
 3.00%   /   2.970%
9 months 2.75%   /   2.725% 3.00%   /   2.970% 3.25%   /   3.210%
1 year 2.80%   /   2.775%
 3.05%   /   3.015%
 3.20%   /   3.165%
18 months 2.50%   /   2.475% 2.75%   /   2.725 % 3.00%   /   2.970%
2 year 2.50%   /   2.475%
 2.75%   /   2.725%
 3.00%   /   2.970%
30 months 2.25%   /   2.225% 2.50%   /   2.475% 2.75%   /   2.725%
3 year 2.25%   /   2.225%
 2.50%   /   2.475%
 2.75%   /   2.725%
4 year 2.25%   /   2.225%
 2.55%   /   2.525%
 2.75%   /   2.725%
5 year 2.25%   /   2.225%
 2.75%   /   2.725%
 2.75%   /   2.725%
Term
$500 – $9,999 
($100 min for youth)
APY1 / Dividend Rate
$10,000 +
 
APY1 / Dividend Rate
$100,000 +
 
APY1 / Dividend Rate



















Pro Tip:

Instead of placing all your funds in a single CD, CD laddering involves opening multiple CDs with staggered maturity dates. This strategy gives you the flexibility to access funds more frequently—typically every six months—while still benefiting from the higher rates of longer-term CDs. For example, start with a 6-month and a 12-month CD. When the 6-month CD matures, reinvest it into a new 12-month CD. Over time, you'll have a series of 12-month CDs maturing every six months.

CD Ladder Calculator


















































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1 APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings. CDs are subject to early redemption penalties: 6-month CD, loss of 30 days interest; 1-year CD, loss of 90 days interest; 2-5-year CD, loss of 180 days interest. Rates effective .