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CDs


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Certificates of Deposit (CDs)

Looking to earn good interest on your savings? Ok 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
  • (Pssst… 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.




Saving in a piggy bank

Pro Tip:

Rather than putting all your funds in one CD, choose multiple CDs and “ladder” their maturity dates. This is a great strategy for the option of accessing funds every 6 months with the higher rates of longer-term CDs.

Start by opening a 6-month CD and a 12-month CD. When the 6-month CD matures, move it to a 12-month. Now your two 12-month CDs are staggered to mature at 6 month intervals.

CD Ladder Calculator

CD Rates

As high as 3.20% APY1

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%

$500 – $9,999 
($100 min for youth)
 
$10,000 +
 
$100,000 +
Term
 APY1 Dividend Rate APY1 Dividend Rate APY1 Dividend Rate





More to Explore

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 .

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How Do I...

Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.
Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.

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